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Citizens & Northern Corp Stock: price and insider trades · United States
2 insiders bought €15k of shares over the last 90 days, the latest by Shattuck Katherine W, filed 05 Oct 2026.
Cluster: 2 buyers in 30 daysCitizens & Northern Corp: what insiders have been doing
This page follows insider dealings at Citizens & Northern Corp as filed with SEC (Form 4), a company from the Finance & Banking sector. 23 insiders have disclosed 193 filings since 22 October 2025.
On the market, 3 insiders bought (23 purchases totalling €66k) while 2 insiders sold (3 sales totalling €67k). The net balance comes to €1,037 on the selling side. Open-market purchases are the filings investors watch most closely, because the insider pays for the shares out of pocket. Biggest ticket of the year: €50k, sold by Dorwart Stephen M and made public on 3 August 2026 (0.013% of market cap). The buyers include 3 senior executives.
For context, the typical company on the same exchange (median of 3,171 companies) published 24 filings over the same period, against 193 filings here. Since 2016, the database holds 331 purchases and 16 sales by insiders of the company. In its latest annual report filed with the SEC (10-K, fiscal year ended 31 December 2025), the company reported net income of 23.4 m USD.
The data flag 22 purchases as part of a group of insiders buying within 30 days of each other. A cluster is several different insiders buying the same stock within a short window, a pattern studied more closely than a single purchase. The last insider purchase was made public on 5 October 2026, 19 days ago. Filings reach the SEC (Form 4) feed a median of 6 days after the trade. For comparison, the SEC allows two business days to file a Form 4.
Source: insider filings from SEC (Form 4). Past trades are no guide to future returns.
Insider Decl.
2,233
Thresholds
n/a
Buy Volume
€2M
331 ops. · all time
Sell Volume
€833,108
16 ops. · all time
Who traded when
BuySaleFrank G. Pellegrino23 buys
Katherine W. Shattuck23 buys
Leo F. Lambert3 buys
Christian C. Trate2 sales
Terry L. Lehman2 buys
Stephen M. Dorwart1 sale
Since the insiders bought
- -0.6%Entry US$25.74 · Close 21 Oct 2026 US$25.58
- -0.6%Entry US$25.74 · Close 21 Oct 2026 US$25.58
- +23.2%Entry US$20.76 · Close 21 Oct 2026 US$25.58
Entry is the close on the day after publication, the first price a reader could act on. Prices in the listing currency. Past moves are not a forecast.
Analyst consensus: bullish or bearish?
Analysts rate Citizens & Northern Corp Hold (neutral), based on 1 analysts. Average price target: US$27.00.
This score ranks the purchase within its own market. A position size is suggested only on the venues of the backtested strategy universe; elsewhere, signals stay on watch. Not investment advice.
Fundamental score
Ranked 4,373 of 26,286 companies
69.1
score / 100
Value68
Quality71
FCF yld6.5%
Earn yld5.1%
EV/EBITDA·
ROE8.0%
Gross mgn·
Net mgn19%
Debt/EBITDA·
Pillars2/3
Transparent value + quality ranking, distinct from the insider signal.
Financial data
as of FY 2025FY ended December 2025 · cache
US$25.63
Analyst consensus
1 analystsHold
US$27.00Target US$27.00(+5%)US$27.00
Income statement
RevenueUS$120.8M
Net incomeUS$23.2M19.9% margin
Valuation
PER (trailing)17.4x
PER (forward)9.3x
P/Book1.3x
Beta0.40
Balance sheet & cash
Market capUS$459.7M
Total debtUS$187.9M
Free Cash FlowUS$30.1M
Profitability & ownership
ROE8.0%
ROA0.9%
% insiders4.2%
% institutions34.4%
Last declaration on 5 October 2026
Declarations2,233 total
8 shares@ US$25.510.0000% mcap0.1% of flowCommon StockSEC:0001870473-26-000030:0
Canonical exit: 31 Dec 2026 (T+90)
245 shares@ US$25.510.0014% mcap1.0% of flowCommon StockSEC:0001667211-26-000028:0
Canonical exit: 31 Dec 2026 (T+90)
178 shares@ US$26.16620.0010% mcap0.7% of flowCommon StockSEC:0001667211-26-000026:0
Canonical exit: 3 Dec 2026 (T+90)
8 shares@ US$26.16620.0000% mcap0.1% of flowCommon StockSEC:0001870473-26-000028:0
Canonical exit: 3 Dec 2026 (T+90)
64 shares@ US$25.960.0004% mcap1.1% of flowCommon StockSEC:0001704635-26-000010:0
96 shares@ US$26.080.0005% mcap1.6% of flowCommon StockSEC:0001704635-26-000010:1
102 shares@ US$25.890.0006% mcap1.0% of flowCommon StockSEC:0001870473-26-000026:0
539 shares@ US$25.890.0030% mcap2.2% of flowCommon StockSEC:0001667211-26-000024:0
131 shares@ US$25.960.0007% mcap1.4% of flowCommon StockSEC:0001738341-26-000008:0
64 shares@ US$25.890.0004% mcap0.7% of flowCommon StockSEC:0001738341-26-000008:1
114 shares@ US$25.890.0006% mcap1.3% of flowCommon StockSEC:0001815916-26-000008:0
57 shares@ US$25.960.0003% mcap0.7% of flowCommon StockSEC:0001816387-26-000010:0
108 shares@ US$25.890.0006% mcap1.8% of flowCommon StockSEC:0001858668-26-000008:0
1 shares@ US$25.890.0000% mcap0.0% of flowCommon StockSEC:0001858668-26-000008:1
110 shares@ US$25.840.0006% mcap0.8% of flowCommon StockSEC:0001225817-26-000008:1
73 shares@ US$25.840.0004% mcap1.4% of flowCommon StockSEC:0001727004-26-000010:1
400 shares@ US$25.950.0023% mcap1.1% of flowCommon StockSEC:0001220808-26-000010:0
73 shares@ US$25.840.0004% mcap0.2% of flowCommon StockSEC:0001220808-26-000010:1
341 shares@ US$25.890.0019% mcap2.5% of flowCommon StockSEC:0001225817-26-000008:0
213 shares@ US$25.840.0012% mcap1.8% of flowCommon StockSEC:0001242486-26-000008:0
160 shares@ US$25.840.0009% mcap1.0% of flowCommon StockSEC:0001281535-26-000012:0
181 shares@ US$25.840.0010% mcap0.9% of flowCommon StockSEC:0001321738-26-000008:0
1 shares@ US$25.840.0000% mcap1.9% of flowCommon StockSEC:0001397536-26-000010:0
1 shares@ US$25.890.0000% mcap0.0% of flowCommon StockSEC:0001629111-26-000010:0
107 shares@ US$25.840.0006% mcap1.8% of flowCommon StockSEC:0001629111-26-000010:1
25 of 2233 declarations
About Citizens & Northern Corp
Citizens & Northern Corp (NASDAQ: CZNC) is a U.S.-listed regional banking company headquartered in Wellsboro, Pennsylvania, United States. For French-speaking investors, the name sits squarely in the community-banking segment: the group’s core business is deposit gathering, lending, and the delivery of everyday financial services to households, small businesses, and local public or institutional clients. Its principal operating subsidiary is Citizens & Northern Bank, which carries the franchise in the field. ([cnbankpa.com](https://www.cnbankpa.com/About/Explore-C-N/Press-Releases/2026-Q2/2026-Q1-Unaudited-Financial-Results?utm_source=openai))
The company’s roots date back to 1864, when The First National Bank of Wellsborough was founded. Over time, Citizens & Northern was assembled through a long series of mergers and acquisitions, evolving into a recognizable regional banking platform across northern and central Pennsylvania and into part of New York State. That heritage matters: the group emphasizes relationship banking, community presence, and long-term local customer ties rather than broad national scale. ([cnbankpa.com](https://www.cnbankpa.com/About/Explore-C-N/Press-Releases/2024-Q1/160-Years?utm_source=openai))
Read moreShow less
From a business-model perspective, C&N offers a broad but standard bank product set. Its main lines include checking and savings accounts, residential mortgages, commercial and business loans, treasury and cash-management solutions, and related banking services for retail and business clients. In practical terms, that makes the company a diversified community bank with exposure to both consumer and commercial activity, while remaining concentrated in traditional lending and deposit franchises. ([cnbankpa.com](https://www.cnbankpa.com/About?utm_source=openai))
Geographically, the company remains intentionally local and regional. As of late 2025 and early 2026, C&N reported 35 banking offices, primarily spread across multiple counties in Pennsylvania, with an additional presence in Steuben County, New York, plus a loan production office in Elmira, New York. This footprint gives the bank strong market familiarity and customer proximity, but also ties results to the economic conditions of its core regional markets and to the broader U.S. interest-rate environment. ([cnbankpa.com](https://www.cnbankpa.com/About/Explore-C-N/Press-Releases/2026-Q2/2026-Q1-Unaudited-Financial-Results?utm_source=openai))
In competitive terms, Citizens & Northern is best viewed as a mid-sized community bank rather than a national platform. Its strengths are local market knowledge, relationship-driven lending, and a deposit base built around long-standing customer relationships. The trade-off is that it competes against larger regional banks, specialized lenders, and increasingly digital financial providers, all of which pressure pricing, margins, and customer acquisition. ([cnbankpa.com](https://www.cnbankpa.com/About/Investor-Relations/C-N-Corporate-Profile?utm_source=openai))
A major recent development was the completed merger with Susquehanna Community Financial, Inc., which closed on October 1, 2025. Management stated that the transaction added meaningful assets, loans, and deposits and materially affected 2025 earnings through merger-related costs. C&N also updated investors on its 2025 and early 2026 results, underscoring that the integration of the acquisition is now a key execution point. For investors, CZNC is therefore a listed U.S. community-bank story on the NASDAQ Capital Market, with a regional footprint, a long operating history, and a growth profile shaped by selective acquisitions. ([cnbankpa.com](https://www.cnbankpa.com/About/Explore-C-N/Press-Releases/2026-Q1/2025-Q4-Unaudited-Financial-Results?utm_source=openai))
