Citizens & Northern
Runs a community bank serving Pennsylvania and New York households and businesses.
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Profile
Provides community banking, lending, wealth, investment, and insurance services through C&N Bank and related units. The footprint is concentrated in Pennsylvania with one Southern Tier New York branch, and the business relies on spread income, credit quality, deposit funding, regulation, and acquisition integration.
Operates through C&N Bank, with banking and lending as the core business and wealth management, investment, and insurance services around it. The company reports one community-banking segment, so the operating story is branch and relationship banking rather than a portfolio of unrelated financial businesses.
Serves Northern and Northcentral Pennsylvania, Southeastern and Southcentral Pennsylvania, Central Pennsylvania, and the Southern Tier of New York. Recent expansion came through bank acquisitions, including Susquehanna Community Financial, which added central Pennsylvania markets.
Depends on net interest income, credit performance, deposit funding and costs, banking regulation, and local-market demand. Acquisition integration is also a live operating dependency because management continues to treat bank combinations as a growth path.
Company facts
Categories
Key statistics
Year to date +27.8% · Average volume (30d) 72.0K
Analysts
No analyst consensus on record.
Earnings
EPS
Revenue
History
| Report date | EPS est | EPS | Surprise | Revenue est | Revenue | Surprise | Next session |
|---|---|---|---|---|---|---|---|
| Jul 23, 2026Q2 FY26 | $0.63 | $0.79 | +25.4% | $36.5M | $39.4M | +8.0% | +4.69% |
| May 8, 2026Q1 FY26 | $0.58 | $0.02 | −96.6% | $35.6M | $36.6M | +2.9% | −2.68% |
| Jan 28, 2026Q4 FY25 | $0.58 | $0.56 | −3.4% | $35.4M | $36.8M | +4.0% | +4.39% |
| Oct 23, 2025Q3 FY25 | $0.53 | $0.47 | −11.3% | $28.6M | $29.0M | +1.5% | +1.20% |
Financial highlights
| 12 quarters | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | |
|---|---|---|---|---|---|---|---|
| Revenue | $38.3M | $40.2M | $40.4M | $36.0M | $48.8M | $39.1M | |
| Gross profit | $26.4M | $26.5M | $26.9M | $21.8M | $23.0M | $13.4M | |
| Operating income | $7.7M | $7.5M | $8.0M | $5.4M | $335.0K | −$335.0K | |
| Net income | $6.3M | $6.1M | $6.6M | $4.5M | $273.0K | $14.1M | |
| Diluted EPS | $0.41 | $0.40 | $0.42 | $0.25 | $0.02 | $0.79 | |
| Gross margin | 68.8% | 66.0% | 66.5% | 60.4% | 47.2% | 34.2% | |
| Operating margin | 20.1% | 18.7% | 19.8% | 15.0% | 0.7% | -0.9% |
Fiscal years (4-quarter sums)FY21 $108.9M · FY22 $115.5M · FY23 $136.2M · FY24 $155.5M · FY25 $155.0M
Revenue by product · Q2 FY26
Balance sheet, Jun 30, 2026Cash & short-term investments $579.4M · Total debt $170.0M · Total assets $3.15B · Shareholders' equity $346.1M
Dividends
Raised for 15 straight years. To collect a payout, hold shares through the close before the ex-date.
History
| Ex-date | Record | Paid | Amount | Note |
|---|---|---|---|---|
| Aug 3, 2026 | Aug 3 | Aug 14 | $0.28 | |
| May 4, 2026 | May 4 | May 15 | $0.28 | |
| Feb 2, 2026 | Feb 2 | Feb 13 | $0.28 | |
| Nov 3, 2025 | Nov 3 | Nov 14 | $0.28 | |
| Aug 4, 2025 | Aug 4 | Aug 15 | $0.28 | |
| May 2, 2025 | May 4 | May 15 | $0.28 | |
| Feb 3, 2025 | Feb 3 | Feb 14 | $0.28 | |
| Oct 28, 2024 | Oct 28 | Nov 8 | $0.28 |
Ownership
Shares outstanding 17.92M · Float 16.96M · 94.7% free float
Top shareholders13F · 13D/G · Form 4
| Holder | Shares | % outstanding | Form | Filed |
|---|---|---|---|---|
| BlackRock, Inc. | 1.36M | 7.59% | 13F | Aug 7, 2026 |
| Vanguard Capital Management LLC | 761.7K | 4.25% | 13F | Aug 13, 2026 |
| Dimensional Fund Advisors LP | 637.1K | 3.56% | 13F | Aug 11, 2026 |
| Geode Capital Management, LLC | 451.4K | 2.52% | 13F | Aug 12, 2026 |
| Citizens & Northern Corp | 349.5K | 1.95% | 13F | Jul 17, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Aug 7, 2026 | Katherine W. Shattuck | director | +8 | $25.22 |
| Aug 7, 2026 | Frank G. Pellegrino | director | +208 | $25.22 |
| Aug 3, 2026 | Christian C. Trate | director | −560 | $25.21 |
| Jul 31, 2026 | Stephen M. Dorwart | director | −2,278 | $25.37 |
| Jul 8, 2026 | Frank G. Pellegrino | director | +198 | $23.03 |
Peers
- Citizens Financial Services
Close Northern Tier community-bank overlap
- Fulton Financial
Scaled Mid-Atlantic bank in PA lending and wealth
- Community Financial System
Upstate NY and Northeastern PA banking rival
- Peoples Financial Services
PA-NY community bank with deposit and lending overlap
- Mid Penn Bancorp
Central PA bank competing in loans, deposits, and trust
- Norwood Financial
Wayne Bank overlaps rural PA and NY community markets
- Univest Financial
Southeastern PA financial-services competitor
- ACNB
Southcentral PA peer with banking, mortgage, and wealth
CompareAfter-hours close
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Citizens & Northern | $25.54 | +0.04% | $457.6M | 17.3 | 9.5 | 2.8 | +46.4% |
| Citizens Financial Services | $80.98 | +0.05% | $389.1M | 9.5 | 9.2 | 2.2 | −30.0% |
| Fulton Financial | $23.69 | +0.02% | $4.53B | 11.3 | 10.6 | 2.4 | +13.5% |
| Community Financial System | $63.11 | −0.06% | $3.32B | 14.7 | 13.0 | 3.2 | +9.6% |
| Peoples Financial Services | $69.63 | −0.30% | $697.1M | 12.3 | 9.9 | 2.4 | +7.6% |
| Mid Penn Bancorp | $36.67 | +0.03% | $929.4M | 11.9 | 10.0 | 2.5 | +41.2% |
| Norwood Financial | $34.15 | −0.29% | $371.9M | 10.9 | 9.1 | 2.6 | +37.8% |
| Univest Financial | $41.57 | +0.10% | $1.15B | 12.0 | 10.7 | 2.2 | +4.1% |
| ACNB | $64.51 | −0.25% | $658.8M | 12.2 | 11.4 | 3.3 | −14.8% |
| Median | 11.9 | 10.3 | 2.5 | +8.6% |