Citizens & Northern Corporation (CZNC)

Financial Services · Banks - Regional · Small-cap · updated October 16, 2026

NOT A BUY TODAY

What this means. Citizens & Northern Corporation is an average business by our measures, its shares look fairly priced, and its share price has been doing well.

Value46

Quality42

Price trend74

Overall50

1375 of 2764rank among the US stocks we score (our core model buys the top 15)

50%of US stocks we score rank below it

Scores are 0 to 100 against every US stock we track; 50 is average. Recomputed after every US market close.

The business in numbers

Fiscal year to December 2025, from the company's annual filing with the SEC.

Return on equityprofit vs. shareholders' accounting value

6.9%

Insider trades, last 90 days

2 insiders sold $72K on the open market.

Trate Christian CDirector	SoldAug 3	560 shat $25.21 · $14K
Dorwart Stephen MDirector	SoldJul 31	2,278 shat $25.37 · $58K

From Form 4 filings with the SEC. Open-market trades only. "Plan" = a sale set up in advance under a 10b5-1 plan, usually routine.

Higher-scoring in the same industry

CARE Carter Bankshares, Inc.overall 69 · rank 60
BMRC Bank of Marin Bancorpoverall 67 · rank 119
PCB PCB Bancorpoverall 66 · rank 124
CFFI C&F Financial Corporationoverall 66 · rank 146
NECB Northeast Community Bancorp, Inc.overall 65 · rank 170

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Not financial advice. Research and education only: the same view for everyone, with no regard to your circumstances. Past results do not predict future ones. Decide for yourself or with a licensed adviser. Terms · Privacy