Citizens & Northern (CZNC) Insider Trades, Congress & Funds

Smart money at a glance

Filings to Oct 31, 2026

Mixed: insiders sold $14K and bought $17K on the open market in 90 days (SEC Form 4). Congress: no trades disclosed in 180 days.

Company insidersSEC Form 4, last 90 days: +$3K netMixed
CongressSTOCK Act, last 180 days: NoneNo trades disclosed
Big fundsSEC 13F, latest quarter: NoneNo large changes
Federal contractsUSAspending.gov, last 12 months: No awardsNone on record

Analysts

What do analysts expect?

Analyst target and ratings are on paid plans

See the 12-month consensus target and the buy/hold/sell rating split.

Unlock the full results

Questions about CZNC filings

Are insiders buying or selling Citizens & Northern Corp (CZNC) stock?

Mixed: insiders sold $14K and bought $17K of CZNC stock on the open market in the 90 days to Oct 31, 2026, according to SEC Form 4 filings. The largest was Pellegrino, Frank G (Director), who bought $16K. The latest filing was on Oct 5, 2026.

Which members of Congress have traded CZNC recently?

None. No member of Congress disclosed a CZNC trade with a trade date in the last 180 days, according to House and Senate STOCK Act filings.

How current is this CZNC smart-money data?

This summary uses filings available on Oct 31, 2026. Insiders must report trades to the SEC within 2 business days, members of Congress have up to 45 days to disclose a trade, and funds file 13F holdings up to 45 days after each quarter ends, so the latest moves may not be public yet.

Smart money on CZNC

Lean long1 source:
- Insiders

Top traders
No tracked positions at the last update
Insiders
Lean long3 buys · $11.1K
Form 4 filings, open market.
Politicians
No recent politician filings found
Funds
No recent fund filings found
Fin-fluencers
No recent posts found

Each bar is 100% of that source’s money. The notch marks an even split.

Lean is the direction of the latest moves. Descriptive, not advice.

Questions about CZNC filings

Are insiders buying or selling Citizens & Northern Corp (CZNC) stock?

Which members of Congress have traded CZNC recently?

None. No member of Congress disclosed a CZNC trade with a trade date in the last 180 days, according to House and Senate STOCK Act filings.

How current is this CZNC smart-money data?

Insiders

What insiders are doing

12 trades · 6 mo

Bought$26KSold$72K

Buys (3)

PF
Pellegrino Frank G
Dir · Cluster · Oct 5
$6K
bought
SK
Shattuck Katherine W
Dir · Cluster · Oct 5
$204
bought
PF
Pellegrino Frank G
Dir · Cluster · Sep 8
$5K
bought

2 more trades

Pro opens all of them for $16.50/month, paid yearly.

Unlock all 2 trades

Unlock everything for $29/month

Unlock for $29/month

Reported Oct 22, 2026

Earnings came in 35.3% above what analysts expected.

Documents

Quarterly report10-Q Annual report10-K Every filing

Last report

Oct 22, 2026

Period ending

Sep 30, 2026

Earnings per share

$0.92+35.29% beat

$0.68 expected

Revenue

$51.6M

Financial statements: Alpha Vantage

EPS: Yahoo Finance

Next report

Estimated report: Nov 5, 2026, in 5 days

Previous reports

Quarter / reported	Earnings per share	Beat or miss	Revenue / income	Revenue vs last year
Sep 30, 2026Reported Oct 22, 2026	$0.92est. $0.68	+35.29%beat	$51.6MAlpha Vantage	+74.6%from $29.6M
Jun 30, 2026Reported Jul 23, 2026	$0.79est. $0.63	+25.40%beat	$39.4MSEC filing	+34.6%from $29.3M
Mar 31, 2026Reported Apr 29, 2026	$0.02est. $0.58	-96.55%miss	$36.6MSEC filing	+35.8%from $27.0M
Dec 31, 2025Reported Jan 28, 2026	$0.57est. $0.58	-1.83%miss	$36.0MAlpha Vantage	-11.1%from $40.5M
Sep 30, 2025Reported Oct 23, 2025	$0.47est. $0.53	-11.32%miss	$29.6MSEC filing	+8.3%from $27.3M
Jun 30, 2025Reported Aug 8, 2025	$0.40est. $0.47	-14.89%miss	$29.3MSEC filing	+7.3%from $27.3M
Mar 31, 2025Reported Apr 23, 2025	$0.41est. $0.44	-6.82%miss	$27.0MSEC filing	+4.9%from $25.7M
Dec 31, 2024Reported Jan 23, 2025	$0.53est. $0.45	+17.78%beat	$40.5MAlpha Vantage	+13.8%from $35.6M

Earnings per share comes from Yahoo Finance where available, then Alpha Vantage or the company release. Revenue comes from company releases, SEC filings, Alpha Vantage or Yahoo Finance. A beat or miss needs an analyst estimate on the same basis as the reported figure, so quarters without one show none. Non-USD amounts carry their currency code.

Open: $27.99
52-wk high: $28.49
High: $28.49
52-wk low: $18.20
Low: $27.92
Prev close: $27.82
Mkt cap: $502.7M
P/E: 14.3x
ROE: +11.0%
Fwd P/E: 11.2x
Beta: 0.40
Div yield: 4.03%
P/S: 2.9x
P/B: 1.5x
Profit margin: +20.0%
Op margin: +14.7%

Dec 2025 to Sep 2026

What it sold, what it cost, what was left.

RevenueProfit

Dec 2025Mar 2026Jun 2026Sep 2026

Income statement, 4 periods, all values in US dollars
USD	Dec 2025	Mar 2026	Jun 2026	Sep 2026
What came in
RevenueTotal revenue	$36.0M	$48.8M	$39.1M	$51.6M
Cost of what it soldCost of revenue	$14.3M	$25.7M	$25.7M	$8.9M
Gross profit	$21.8M	$23.0M	$13.4M	$42.7M
What it spent
Sales and adminSelling, general and administrative	$14.9M	$15.1M	$13.7M	$16.9M
Other operating costsOperating costs not itemised in the filing's summary	$1.4M	$7.6M	—	$5.5M
Total operating expenses	$16.4M	$22.7M	$13.7M	$22.3M
What was left
Operating profitOperating income	$5.4M	$335.0K	-$335.0K	$20.4M
Interest on debtInterest expense	$12.9M	$12.1M	$11.9M	$12.1M
Profit before tax	$5.4M	$335.0K	$17.4M	$20.4M
TaxIncome tax expense	$926.0K	$62.0K	$3.4M	$4.1M
Net profitNet income	$4.5M	$273.0K	$14.1M	$16.3M
EBITDAEarnings before interest, tax, depreciation, amortisation	$6.1M	$1.0M	$354.0K	$32.5M

Technicals

Price structure

This stock is in a strong uptrend, and looks overbought after a fast run-up.

Trend

Strong uptrend

85 / 100

RSI 14

79overbought

20D volatility

24%annualized

52-week range

$28.03

$18.20$28.49

20D support

$23.99recent floor

20D resistance

$28.49recent ceiling

Returns

5D +1.0%20D +9.4%60D +10.9%

Price vs moving averages

SMA20 +7.1%SMA50 +8.3%SMA200 +20.4%

Volume pace

1.14xvs prior 20D

Quarter / reported

Earnings per share

Beat or miss

Revenue / income

Revenue vs last year

Sep 30, 2026Oct 22, 2026

$0.92est. $0.68

+35.29%

$51.6MAlpha Vantage

+74.6%from $29.6M

Jun 30, 2026Jul 23, 2026

$0.79est. $0.63

+25.40%

$39.4MSEC filing

+34.6%from $29.3M

Mar 31, 2026Apr 29, 2026

$0.02est. $0.58

-96.55%

$36.6MSEC filing

+35.8%from $27.0M

Dec 31, 2025Jan 28, 2026

$0.57est. $0.58

-1.83%

$36.0MAlpha Vantage

-11.1%from $40.5M

Sep 30, 2025Oct 23, 2025

$0.47est. $0.53

-11.32%

$29.6MSEC filing

+8.3%from $27.3M

Jun 30, 2025Aug 8, 2025

$0.40est. $0.47

-14.89%

$29.3MSEC filing

+7.3%from $27.3M

Mar 31, 2025Apr 23, 2025

$0.41est. $0.44

-6.82%

$27.0MSEC filing

+4.9%from $25.7M

Dec 31, 2024Jan 23, 2025

$0.53est. $0.45

+17.78%

$40.5MAlpha Vantage

+13.8%from $35.6M

Income statement, 4 periods, all values in US dollars
USD	Dec 2025	Mar 2026	Jun 2026	Sep 2026
What came in
RevenueTotal revenue	$36.0M	$48.8M	$39.1M	$51.6M
Cost of what it soldCost of revenue	$14.3M	$25.7M	$25.7M	$8.9M
Gross profit	$21.8M	$23.0M	$13.4M	$42.7M
What it spent
Sales and adminSelling, general and administrative	$14.9M	$15.1M	$13.7M	$16.9M
Other operating costsOperating costs not itemised in the filing's summary	$1.4M	$7.6M	—	$5.5M
Total operating expenses	$16.4M	$22.7M	$13.7M	$22.3M
What was left
Operating profitOperating income	$5.4M	$335.0K	-$335.0K	$20.4M
Interest on debtInterest expense	$12.9M	$12.1M	$11.9M	$12.1M
Profit before tax	$5.4M	$335.0K	$17.4M	$20.4M
TaxIncome tax expense	$926.0K	$62.0K	$3.4M	$4.1M
Net profitNet income	$4.5M	$273.0K	$14.1M	$16.3M
EBITDAEarnings before interest, tax, depreciation, amortisation	$6.1M	$1.0M	$354.0K	$32.5M

USD

Dec 2025

Mar 2026

Jun 2026

Sep 2026

What came in

RevenueTotal revenue

$36.0M

$48.8M

$39.1M

$51.6M

Cost of what it soldCost of revenue

$14.3M

$25.7M

$8.9M

Gross profit

$21.8M

$23.0M

$13.4M

$42.7M

What it spent

Sales and adminSelling, general and administrative

$14.9M

$15.1M

$13.7M

$16.9M

Other operating costsOperating costs not itemised in the filing's summary

$1.4M

$7.6M

—

$5.5M

Total operating expenses

$16.4M

$22.7M

$13.7M

$22.3M

What was left

Operating profitOperating income

$5.4M

$335.0K

-$335.0K

$20.4M

Interest on debtInterest expense

$12.9M

$12.1M

$11.9M

$12.1M

Profit before tax

$5.4M

$335.0K

$17.4M

$20.4M

TaxIncome tax expense

$926.0K

$62.0K

$3.4M

$4.1M

Net profitNet income

$4.5M

$273.0K

$14.1M

$16.3M

EBITDAEarnings before interest, tax, depreciation, amortisation

$6.1M

$1.0M

$354.0K

$32.5M

Citizens & Northern Corp

Smart money at a glance

What do analysts expect?

Questions about CZNC filings

Smart money on CZNC

Questions about CZNC filings

What insiders are doing

How top traders are positioned

Unlock everything for $29/month

Earnings came in 35.3% above what analysts expected.

Estimated report: Nov 5, 2026, in 5 days

Previous reports

What it sold, what it cost, what was left.

Price structure

Ask it in Claude or ChatGPT.

Citizens & Northern Corp

Smart money at a glance

What do analysts expect?

Questions about CZNC filings

Smart money on CZNC

Questions about CZNC filings

What insiders are doing

How top traders are positioned

Unlock everything for $29/month

Earnings came in 35.3% above what analysts expected.

Estimated report: Nov 5, 2026, in 5 days

Previous reports

What it sold, what it cost, what was left.

Price structure

Ask it in Claude or ChatGPT.

Citizens & Northern Corp

Overview

Questions about CZNC filings

Smart money

Unlock everything for $29/month

Earnings

Previous reports

Financials

Technicals

Ask it in Claude or ChatGPT.

Citizens & Northern Corp

Overview

Questions about CZNC filings

Smart money

Unlock everything for $29/month

Earnings

Previous reports

Financials

Technicals

Ask it in Claude or ChatGPT.