Citizens & Northern Corporation (CZNC)

Citizens & Northern Corporation completed the acquisition of Susquehanna Community Financial, Inc. on October 1, 2025. The Q3 2025 earnings were reported on October 23, 2025, with an EPS of $0.47, missing estimates, but revenue of $29.57 million surpassed estimates. Following the earnings report, the stock price target was raised to $22 by Piper Sandler. A quarterly cash dividend was declared on October 24, 2025, payable on November 14, 2025. The stock price as of October 20, 2025, was $19.37 per share, a 2.22% increase year-over-year.

Information regarding the specific demand seasonality for Citizens & Northern Corp.'s products and services was not explicitly available in the provided search results. Generally, demand for banking products and services can be influenced by economic cycles, interest rate fluctuations, and seasonal business activities, but no specific patterns for CZNC were detailed.

Citizens & Northern Corporation operates as a bank holding company for Citizens & Northern Bank, offering banking and financial services to individual and corporate customers. The company provides deposit products like checking, savings, and retirement accounts, as well as lending products including commercial, mortgage, and consumer loans. Additionally, they offer wealth management services, insurance products, and investment products through a broker-dealer arrangement, while also reinsuring credit and mortgage life, accident, and health insurance.

Citizens & Northern Corporation primarily covers Northcentral, Southeastern, and Southcentral Pennsylvania, and the Southern tier of New York State. As of December 31, 2021, the company operated 31 branch offices, with 23 in the Northern tier/Northcentral region of Pennsylvania, 2 in the Southern tier of New York State, 4 in Southeastern Pennsylvania, and 2 in Southcentral Pennsylvania. The company also maintains a lending office in Elmira, New York. More broadly, it operates 35 banking offices across various counties in Pennsylvania (Bradford, Bucks, Cameron, Chester, Lancaster, Lycoming, McKean, Northumberland, Potter, Snyder, Sullivan, Tioga, Union, and York) and Steuben County in New York, in addition to the Elmira loan production office. The company is headquartered in Wellsboro, Pennsylvania.

Citizens & Northern Corporation has an aggregate usefulness score of 4.7 out of 5.0 based on 129 reviews. The company also has a "Fund Sentiment Score" which identifies companies with high levels of institutional accumulation, indicating positive sentiment among funds. No specific events negatively impacting Citizens & Northern Corp.'s reputation in the past year were found in the provided search results.

Citizens & Northern is owned by a mix of institutional shareholders (33.33%), insiders (9.50%), and retail investors (57.17%). Major institutional owners include BlackRock, Inc., Vanguard Group Inc, Dimensional Fund Advisors Lp, Geode Capital Management, Llc, and State Street Corp. The largest individual shareholder is J. Bradley Scovill, owning 0.84% of the company.