Citizens & Northern Corporation (CZNC)

In the past six months, Citizens & Northern Corp.'s stock price has been impacted by several events, including the announcement of its third-quarter 2025 earnings, a stock increase following signals from the Federal Reserve Chair regarding a potential rate cut, and the declaration of a quarterly dividend of $0.28 per share. The company completed its merger with Susquehanna Community Financial, Inc. on October 1, 2025, which was anticipated to increase CZNC's assets and earnings per share. Insider buying activity was also noted in January 2026.

The banking sector experiences seasonal trends, particularly in the demand for loans and investment services. Loan demand typically sees low points in January and February, increases in March, and often peaks in August or September. There is often an increased demand for investment services in December and early January.

Citizens & Northern Corp. operates as a bank holding company for Citizens & Northern Bank, a Pennsylvania banking institution established in 1864 and headquartered in Wellsboro, Pennsylvania. The company provides a comprehensive range of banking and related financial services to individual and corporate customers, including deposit accounts, lending products, wealth management services, insurance products, mutual funds, annuities, and educational savings accounts.

Citizens & Northern Corp. primarily operates in Northcentral Pennsylvania, the Southern Tier of New York State, Southeastern Pennsylvania, and Southcentral Pennsylvania. The company provides banking and lending services through its subsidiary, C&N, from 29 banking and loan production offices located across various counties in Pennsylvania and New York.

In the past year, no significant negative events impacting Citizens & Northern Corp.'s brand reputation were found. The company's annual reports have a positive perception regarding its transparency and investor communications.

Citizens & Northern Corp. is owned by a mix of institutional shareholders, individual insiders, and retail investors. Major institutional owners include BlackRock, Inc., The Vanguard Group, Inc., and Dimensional Fund Advisors L.P. J. Bradley Scovill, the President and CEO, is the largest individual shareholder. Insider buying activity has been observed in the past three months.