CZNC Citizens & Northern Corp - Common Stock
$26.08
Price · Aug 19, 2026
Fundamentals as of Aug 7, 2026
52W Range
$19–$26
97% of range
Analyst Rating
HOLD
6 analysts
Price Target
$27
+4% upside
P/E (TTM)
15.9
ROE
7.5%
Net Profit Margin
19.1%
CZNC Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range
Price
$26.07
Market Cap
$465M
P/E (TTM)
15.9
EPS (TTM)
$1.69
Revenue (TTM)
—
Div Yield
3.5%
ROE
7.5%
Debt/Equity
0.1
52W Range
$19 – $26
CZNC Stock Price Chart Daily OHLCV with technical indicators — pan, zoom, and customize your view
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10-Year Performance Revenue, net income, margins and EPS trends
Revenue & Net Income
—
EPS
$1.69
2016-12-31
→
2024-12-31
Free Cash Flow
$30M
2016-12-31
→
2025-12-31
Margins
19.1%
Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?
Metric
5Y trend
CZNC
Peer Median
P/E (TTM)
15.9
15.2
P/S (TTM)
3.8
2.1
P/B
1.4
1.0
EV / EBITDA
189.3
—
Price / FCF
15.4
—
Profitability Gross, operating and net margins; ROE, ROA, ROIC
Metric
5Y trend
CZNC
Peer Median
Net Profit Margin
19.1%
25.4%
ROA
0.82%
0.96%
ROE
7.5%
7.1%
Financial Health Debt, liquidity, solvency — balance sheet strength
Metric
5Y trend
CZNC
Peer Median
Debt / Equity
0.1
19.1
Growth Revenue, EPS and net income growth: YoY, 3Y CAGR, 5Y CAGR
Metric
5Y trend
CZNC
Peer Median
Revenue YoY
13.3%
—
Revenue CAGR 3Y
4.5%
—
Revenue CAGR 5Y
5.9%
—
EPS YoY
7.6%
—
Net Income YoY
-9.8%
—
Capital Efficiency Asset turnover, inventory turnover, receivables turnover
Metric
5Y trend
CZNC
Peer Median
Payout Ratio
69.5%
—
Dividends Yield, payout ratio, dividend history, 5Y CAGR
Dividend Yield
3.5%
Payout Ratio
69.5%
5Y Div CAGR
—
| Ex-date | Amount |
|---|---|
| Aug. 3, 2026 | $0.2800 |
| May 4, 2026 | $0.2800 |
| Feb. 2, 2026 | $0.2800 |
| Nov. 3, 2025 | $0.2800 |
| Aug. 4, 2025 | $0.2800 |
| May 2, 2025 | $0.2800 |
| Feb. 3, 2025 | $0.2800 |
| Oct. 28, 2024 | $0.2800 |
| July 29, 2024 | $0.2800 |
| May 3, 2024 | $0.2800 |
| Jan. 26, 2024 | $0.2800 |
| Oct. 27, 2023 | $0.2800 |
| July 28, 2023 | $0.2800 |
| April 28, 2023 | $0.2800 |
| Feb. 2, 2023 | $0.2800 |
| Oct. 28, 2022 | $0.2800 |
| July 29, 2022 | $0.2800 |
| April 29, 2022 | $0.2800 |
| Jan. 28, 2022 | $0.2800 |
| Oct. 29, 2021 | $0.2800 |
CZNC Analyst Consensus Bullish and bearish analyst opinions, 12-month price target, upside
SELL
6 analysts
- Strong Buy 0 0.0%
- Buy 0 0.0%
- Hold 3 50.0%
- Sell 1 16.7%
- Strong Sell 2 33.3%
12-Month Price Target
1 analysts · 2026-08-13
Low
$27.00
High
$27.00
Median target
$27.00
+3.5%
Mean target
$27.00
+3.5%
Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date
Avg Surprise
-0.16%
| Period | EPS Actual | EPS Est | Surprise |
|---|---|---|---|
| June 30, 2026 | $0.79 | $0.64 | 0.15% |
| March 31, 2026 | $0.02 | $0.59 | -0.57% |
| Dec. 31, 2025 | $0.25 | $0.60 | -0.35% |
| Sept. 30, 2025 | $0.42 | $0.52 | -0.10% |
| June 30, 2025 | $0.40 | $0.47 | -0.07% |
| March 31, 2025 | $0.41 | $0.45 | -0.04% |
Peer comparison (GICS sub-industry) Key metrics vs sector peers
| Ticker | Market Cap | P/E | Rev YoY | Net Margin | ROE | Gross Margin |
|---|---|---|---|---|---|---|
| CZNC | $359M | 12.3 | 13.3% | 19.1% | 7.5% | — |
| CBK | $336M | 8.3 | 2.1% | 41.2% | 14.7% | — |
| WTBA | $376M | 11.6 | 19.4% | 34.2% | 12.8% | — |
| CBAN | $379M | 11.2 | 14.5% | 21.4% | 8.4% | — |
| RBB | $352M | 11.3 | -2.4% | 618.3% | 6.1% | — |
| BMRC | $419M | -11.6 | -58.1% | -121.4% | -8.6% | — |
| AVBC | $337M | -93.4 | 14.7% | -3.2% | -1.1% | — |
| PLBC | $311M | 9.8 | — | 30.1% | 13.0% | — |
| TFC | $62.13B | 12.9 | 53.0% | 26.1% | 8.2% | — |
Full Fundamentals All metrics by year — income statement, balance sheet, cash flow
Income Statement 10
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest Expense | · | · | $33M | $10M | $7M | $10M | $10M | $5M | $4M | $4M | $5M | $5M | |
| Interest Income | $139M | $128M | $114M | $93M | $85M | $77M | $65M | $50M | $46M | $44M | $45M | $46M | |
| Pretax Income | $29M | $32M | $30M | $32M | $38M | $23M | $23M | $26M | $21M | $21M | $22M | $23M | |
| Income Tax | $5M | $6M | $6M | $6M | $7M | $4M | $4M | $4M | $7M | $5M | $5M | $6M | |
| Net Income | $23M | $26M | $24M | $27M | $31M | $19M | $20M | $22M | $13M | $16M | $16M | $17M | |
| EPS (Basic) | $1.46 | $1.69 | $1.57 | $1.71 | $1.92 | $1.30 | $1.46 | $1.79 | $1.10 | $1.30 | $1.35 | $1.38 | |
| EPS (Diluted) | · | $1.69 | $1.57 | $1.71 | $1.92 | $1.30 | $1.46 | $1.79 | $1.10 | $1.30 | $1.35 | $1.38 | |
| Shares (Basic) | 15,949,789 | 15,262,504 | 15,241,859 | 15,455,432 | 15,765,639 | 14,743,386 | 13,298,736 | 12,219,209 | 12,115,840 | 12,032,820 | 12,149,252 | 12,390,067 | |
| Shares (Diluted) | · | 15,262,504 | 15,241,859 | 15,458,531 | 15,771,955 | 14,747,048 | 13,321,559 | 12,257,368 | 12,155,136 | 12,063,055 | 12,171,084 | 12,412,050 | |
| EBITDA | $2M | $2M | $2M | $2M | $2M | $2M | · | $2M | · | · | · | · |
Balance Sheet 19
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $46M | $126M | $57M | $55M | $105M | $102M | $35M | $37M | $40M | $29M | $33M | $32M | |
| PP&E (Net) | $28M | $21M | $22M | $22M | $21M | $22M | $17M | $15M | $15M | $15M | $15M | $16M | |
| PP&E (Gross) | $60M | $52M | $51M | $52M | $52M | $52M | $47M | $47M | $47M | $50M | $48M | $47M | |
| Accum. Depreciation | $32M | $30M | $30M | $31M | $32M | $31M | $30M | $32M | $32M | $34M | $33M | $31M | |
| Goodwill | $63M | $53M | $53M | $53M | $53M | $53M | $28M | $12M | $12M | $12M | $12M | $12M | |
| Intangibles | $12M | $2M | $2M | $3M | $3M | $4M | $1M | $9.0K | $12.0K | $17.0K | $30.0K | $52.0K | |
| Total Assets | $3.13B | $2.61B | $2.52B | $2.45B | $2.33B | $2.24B | $1.65B | $1.29B | $1.28B | $1.24B | $1.22B | $1.24B | |
| Short-term Debt | $29M | $2M | $34M | $80M | $2M | $20M | $86M | $13M | $62M | $26M | $53M | $6M | |
| Total Liabilities | $2.79B | $2.34B | $2.25B | $2.20B | $2.03B | $1.94B | $1.41B | $1.09B | $1.09B | $1.06B | $1.04B | $1.05B | |
| Long-term Debt | · | · | · | · | · | · | · | $36M | $9M | $38M | $39M | $73M | |
| Total Debt | $29M | $2M | $34M | $80M | $2M | $20M | · | $13M | $62M | $26M | $53M | $6M | |
| Common Stock | · | · | · | · | · | · | · | · | · | · | $13M | $13M | |
| Paid-in Capital | $186M | $144M | $144M | $144M | $144M | $144M | $105M | $73M | $72M | $72M | $72M | $72M | |
| Retained Earnings | $171M | $166M | $157M | $152M | $143M | $130M | $126M | $123M | $114M | $113M | $109M | $106M | |
| Treasury Stock | $11M | $13M | $17M | $13M | $7M | $1M | $4M | $6M | $8M | $10M | $9M | $7M | |
| AOCI | $-23M | $-37M | $-38M | $-50M | $5M | $12M | $4M | $-4M | $-2M | $-898.0K | $3M | $5M | |
| Stockholders' Equity | $342M | $275M | $262M | $249M | $301M | $300M | $244M | $197M | $188M | $186M | $187M | $188M | |
| Liabilities + Equity | $3.13B | $2.61B | $2.52B | $2.45B | $2.33B | $2.24B | $1.65B | $1.29B | $1.28B | $1.24B | $1.22B | $1.24B | |
| Shares Outstanding | 17,823,444 | 15,433,494 | 15,295,135 | 15,518,819 | 15,759,090 | 15,911,984 | 13,716,445 | 12,319,330 | 12,214,525 | 12,113,228 | 12,180,623 | 12,279,980 |
Cash Flow 18
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| D&A | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | · | · | · | |
| Stock-based Comp | · | · | · | · | · | · | · | · | · | · | $606.0K | $565.0K | |
| Deferred Tax | $3M | $-2M | $836.0K | $-400.0K | $-1M | $-361.0K | $172.0K | $-187.0K | $2M | $-156.0K | $79.0K | $1M | |
| Amort. of Intangibles | $1M | $389.0K | $408.0K | $439.0K | $535.0K | $540.0K | $223.0K | $3.0K | $5.0K | $13.0K | $22.0K | $35.0K | |
| Other Non-cash | $3M | $6M | $6M | $6M | $4M | $4M | · | $2M | · | · | · | · | |
| Operating Cash Flow | $32M | $33M | $34M | $35M | $35M | $25M | $22M | $26M | $19M | $19M | $20M | $22M | |
| CapEx | $2M | $2M | $2M | $3M | $2M | $3M | $3M | $1M | $2M | $2M | $1M | $801.0K | |
| Investing Cash Flow | $196.0K | $-21M | $-53M | $-235M | $-104M | $97M | $23M | $-22M | $-31M | $-29M | $18M | $-9M | |
| Debt Issued | · | · | · | · | · | $26M | $48M | $33M | $8M | $0 | $0 | · | |
| Net Debt Issued | · | · | · | · | · | $-29M | · | $27M | $-29M | $-313.0K | $-37M | $-278.0K | |
| Stock Repurchased | · | · | · | · | · | $163.0K | $189.0K | $0 | $0 | $4M | $4M | $4M | |
| Net Stock Activity | · | · | · | · | · | $-163.0K | · | · | $0 | $-4M | $-4M | $-4M | |
| Dividends Paid | $16M | $16M | $16M | $16M | $16M | $14M | $14M | $12M | $11M | $11M | $11M | $11M | |
| Financing Cash Flow | $-111M | $59M | $25M | $152M | $69M | $-56M | $-47M | $-8M | $20M | $6M | $-36M | $-20M | |
| Net Change in Cash | · | · | · | · | · | · | $-2M | $-4M | $8M | $-5M | $2M | $-7M | |
| Taxes Paid | $9M | · | · | · | · | · | · | · | · | · | · | · | |
| Free Cash Flow | $30M | $31M | $31M | $31M | $33M | $22M | · | $25M | $18M | $17M | $19M | $21M | |
| Levered FCF | · | · | $5M | $23M | $28M | $14M | · | $21M | $15M | $14M | $15M | $18M |
Profitability 5
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 19.1% | 24.0% | 23.0% | 24.8% | 29.4% | 20.9% | · | 33.2% | 23.0% | 27.6% | 28.3% | 29.8% | |
| Pretax Margin | 23.3% | 29.4% | 29.1% | 30.1% | 36.3% | 25.2% | · | 39.6% | 35.3% | 37.0% | 37.5% | 39.7% | |
| EBITDA Margin | 1.9% | 2.0% | 2.1% | 2.2% | 2.1% | 2.1% | · | 2.6% | · | · | · | · | |
| ROA | 0.82% | 1.0% | 0.97% | 1.1% | 1.3% | 0.99% | · | 1.7% | 1.1% | 1.3% | 1.3% | 1.4% | |
| ROE | 7.5% | 9.4% | 9.6% | 10.9% | 10.2% | 6.5% | · | 11.4% | 7.1% | 8.4% | 8.7% | 9.1% |
Liquidity & Solvency 1
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.1 | 0.0 | 0.1 | 0.3 | 0.0 | 0.1 | · | 0.1 | 0.3 | 0.1 | 0.3 | 0.0 |
Efficiency 1
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | · | 0.1 | 0.0 | 0.0 | 0.0 | 0.0 |
Growth Rates 9
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue YoY | 13.3% | 3.4% | -2.5% | 3.6% | 12.8% | · | · | · | · | · | · | · | |
| Revenue CAGR 3Y | 4.5% | 1.4% | 4.4% | · | · | · | · | · | · | · | · | · | |
| Revenue CAGR 5Y | 5.9% | · | · | · | · | · | · | · | · | · | · | · | |
| EPS YoY | · | 7.6% | -8.2% | -10.9% | 47.7% | · | · | · | · | · | · | · | |
| EPS CAGR 3Y | · | -4.2% | 6.5% | · | · | · | · | · | · | · | · | · | |
| Net Income YoY | -9.8% | 7.5% | -9.3% | -12.9% | 59.0% | · | · | · | · | · | · | · | |
| Net Income CAGR 3Y | -4.2% | -5.3% | 7.9% | · | · | · | · | · | · | · | · | · | |
| Net Income CAGR 5Y | 4.0% | · | · | · | · | · | · | · | · | · | · | · | |
| Dividend CAGR 5Y | 2.4% | · | · | · | · | · | · | · | · | · | · | · |
Valuation (TTM) 17
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $123M | $108M | $105M | $108M | $104M | $92M | $74M | $66M | $58M | $57M | $58M | $57M | |
| Net Income TTM | $23M | $26M | $24M | $27M | $31M | $19M | $20M | $22M | $13M | $16M | $16M | $17M | |
| Market Cap | $359M | $287M | $343M | $355M | $412M | $316M | · | $326M | $293M | $317M | $256M | · | |
| Enterprise Value | $342M | $163M | $320M | $380M | $308M | $234M | · | $301M | $318M | $315M | $276M | · | |
| P/E | 12.3 | 11.0 | 14.3 | 13.4 | 13.6 | 15.3 | 19.3 | 14.8 | 21.8 | 20.2 | 15.6 | 15.0 | |
| P/S | 2.9 | 2.6 | 3.3 | 3.3 | 4.0 | 3.4 | · | 4.9 | 5.0 | 5.6 | 4.4 | · | |
| P/B | 1.1 | 1.0 | 1.3 | 1.4 | 1.4 | 1.1 | · | 1.6 | 1.6 | 1.7 | 1.4 | · | |
| P / Tangible Book | 1.3 | 1.3 | 1.7 | 1.8 | 1.7 | 1.3 | · | · | · | · | · | · | |
| P / Cash Flow | 11.2 | 8.7 | 10.2 | 10.3 | 11.8 | 12.7 | · | 12.6 | 15.1 | 17.1 | 13.0 | · | |
| P / FCF | 11.9 | 9.2 | 11.0 | 11.3 | 12.5 | 14.6 | · | 13.2 | 16.6 | 18.7 | 13.7 | · | |
| EV / EBITDA | 144.8 | 74.8 | 148.8 | 159.0 | 144.8 | 118.1 | · | 171.6 | · | · | · | · | |
| EV / FCF | 11.4 | 5.2 | 10.2 | 12.1 | 9.4 | 10.8 | · | 12.2 | 18.0 | 18.6 | 14.8 | · | |
| EV / Revenue | 2.8 | 1.5 | 3.1 | 3.5 | 3.0 | 2.5 | · | 4.5 | 5.4 | 5.5 | 4.7 | · | |
| Dividend Yield | 4.5% | 5.4% | 4.5% | 4.5% | 3.9% | 4.6% | · | 3.6% | 3.8% | 3.5% | 4.4% | · | |
| Earnings Yield | 8.1% | 9.1% | 7.0% | 7.5% | 7.3% | 6.6% | 5.2% | 6.8% | 4.6% | 5.0% | 6.4% | 6.7% | |
| Payout Ratio | 69.5% | 59.8% | 64.5% | 59.6% | 52.3% | 75.3% | · | 53.4% | 83.0% | 70.5% | 68.3% | 66.7% | |
| Annual Payout | $16M | $16M | $16M | $16M | $16M | $14M | $14M | $12M | $11M | $11M | $11M | $11M |
Income Statement 10
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest Expense | · | · | · | · | · | · | · | · | · | $11M | · | $9M | $8M | $5M | · | $3M | |
| Interest Income | $42M | $41M | $41M | $34M | $32M | $32M | $33M | $33M | $31M | $30M | $30M | $29M | $28M | $26M | $26M | $24M | |
| Pretax Income | $17M | $335.0K | $5M | $8M | $8M | $8M | $10M | $8M | $7M | $6M | $6M | $9M | $7M | $8M | $10M | $5M | |
| Income Tax | $3M | $62.0K | $926.0K | $1M | $1M | $1M | $2M | $1M | $1M | $1M | $2M | $2M | $1M | $1M | $2M | $858.0K | |
| Net Income | $14M | $273.0K | $4M | $7M | $6M | $6M | $8M | $6M | $6M | $5M | $4M | $8M | $6M | $6M | $8M | $4M | |
| EPS (Basic) | $0.79 | $0.02 | $0.23 | $0.42 | $0.40 | $0.41 | $0.53 | $0.41 | $0.40 | $0.35 | $0.28 | $0.50 | $0.39 | $0.40 | $0.50 | $0.29 | |
| EPS (Diluted) | $0.79 | $0.02 | · | $0.42 | $0.40 | $0.41 | · | $0.41 | $0.40 | $0.35 | · | $0.50 | $0.39 | $0.40 | $0.50 | $0.29 | |
| Shares (Basic) | 17,771,901 | 17,732,537 | -30,146,009 | 15,398,262 | 15,359,004 | 15,338,532 | -30,499,729 | 15,267,120 | 15,264,533 | 15,230,580 | -30,554,123 | 15,154,797 | 15,231,505 | 15,409,680 | -30,995,681 | 15,364,075 | |
| Shares (Diluted) | 19,790 | 17,732,537 | · | 15,398,262 | 15,359,004 | 15,338,532 | · | 15,267,120 | 15,264,533 | 15,230,580 | · | 15,154,797 | 15,231,505 | 15,410,617 | -31,002,406 | 15,367,189 | |
| EBITDA | · | $687.0K | · | · | · | $553.0K | · | · | · | $509.0K | · | · | · | $570.0K | · | · |
Balance Sheet 17
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $83M | $55M | $46M | $123M | $100M | $115M | $126M | $184M | $100M | $46M | · | $53M | $52M | $52M | · | $64M | |
| PP&E (Net) | $27M | $27M | $28M | $21M | $21M | $21M | $21M | $22M | $22M | $22M | · | $21M | $21M | $21M | · | $22M | |
| PP&E (Gross) | · | · | $60M | · | · | · | $52M | · | · | · | · | · | · | · | · | · | |
| Accum. Depreciation | · | · | $32M | · | · | · | $30M | · | · | · | · | · | · | · | · | · | |
| Goodwill | $63M | $63M | $63M | $53M | $53M | $53M | $53M | $53M | $53M | $53M | $53M | $53M | $53M | $53M | · | $53M | |
| Intangibles | $10M | $11M | $12M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | · | $3M | $3M | $3M | · | $3M | |
| Total Assets | $3.15B | $3.16B | $3.13B | $2.66B | $2.61B | $2.61B | $2.61B | $2.67B | $2.59B | $2.52B | · | $2.48B | $2.47B | $2.43B | · | $2.40B | |
| Short-term Debt | $15M | $14M | $29M | $1M | $533.0K | $571.0K | $2M | $11M | $17M | $49M | · | $23M | $31M | $93M | · | $2M | |
| Total Liabilities | $2.81B | $2.83B | $2.79B | $2.37B | $2.32B | $2.33B | $2.34B | $2.39B | $2.33B | $2.26B | · | $2.24B | $2.22B | $2.17B | · | $2.16B | |
| Total Debt | $15M | $14M | · | $1M | $533.0K | $571.0K | · | $11M | $17M | $49M | · | $23M | $31M | $93M | · | $2M | |
| Paid-in Capital | $184M | $184M | $186M | $143M | $143M | $143M | $144M | $143M | $143M | $143M | · | $144M | $144M | $143M | · | $144M | |
| Retained Earnings | $176M | $166M | $171M | $172M | $170M | $168M | $166M | $162M | $160M | $158M | · | $157M | $154M | $152M | · | $148M | |
| Treasury Stock | $8M | $9M | $11M | $11M | $12M | $12M | $13M | $14M | $15M | $15M | · | $17M | $17M | $13M | · | $13M | |
| AOCI | $-24M | $-25M | $-23M | $-26M | $-31M | $-33M | $-37M | $-30M | $-41M | $-41M | · | $-60M | $-48M | $-43M | · | $-56M | |
| Stockholders' Equity | $346M | $336M | $342M | $294M | $286M | $282M | $275M | $277M | $263M | $262M | $262M | $240M | $248M | $256M | $249M | $239M | |
| Liabilities + Equity | $3.15B | $3.16B | $3.13B | $2.66B | $2.61B | $2.61B | $2.61B | $2.67B | $2.59B | $2.52B | · | $2.48B | $2.47B | $2.43B | · | $2.40B | |
| Shares Outstanding | 17,942,105 | 17,909,958 | 17,823,444 | 15,531,700 | 15,514,943 | 15,482,848 | 15,433,494 | 15,414,132 | 15,375,982 | 15,378,065 | · | 15,275,686 | 15,268,096 | 15,485,035 | · | 15,500,416 |
Cash Flow 12
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| D&A | $689.0K | $687.0K | $687.0K | $561.0K | $562.0K | $553.0K | $551.0K | $578.0K | $545.0K | $509.0K | $518.0K | $529.0K | $534.0K | $570.0K | $609.0K | $767.0K | |
| Deferred Tax | $-18.0K | $-658.0K | $3M | $-723.0K | $-723.0K | $759.0K | $-166.0K | $-1M | $-495.0K | $339.0K | $601.0K | $82.0K | $-373.0K | $526.0K | $-307.0K | $-554.0K | |
| Amort. of Intangibles | $814.0K | $815.0K | $879.0K | $106.0K | $106.0K | $106.0K | $97.0K | $97.0K | $98.0K | $97.0K | $102.0K | $102.0K | $102.0K | $102.0K | $110.0K | $110.0K | |
| Other Non-cash | · | $8M | · | · | · | $-6M | · | · | · | $-425.0K | · | · | · | $2M | · | · | |
| Operating Cash Flow | $15M | $9M | $11M | $11M | $9M | $2M | $12M | $7M | $9M | $6M | $8M | $8M | $8M | $10M | $8M | $13M | |
| CapEx | $150.0K | $188.0K | $452.0K | $426.0K | $485.0K | $542.0K | $352.0K | $150.0K | $660.0K | $744.0K | $884.0K | $830.0K | $275.0K | $276.0K | $302.0K | $825.0K | |
| Investing Cash Flow | $36M | $-34M | $50M | $-29M | $-17M | $-4M | $-6M | $22M | $-18M | $-19M | $-13M | $-19M | $-48M | $27M | $-54M | $-20M | |
| Dividends Paid | $5M | $5M | $5M | $4M | $4M | $4M | $4M | $4M | $4M | $4M | $4M | $4M | $4M | $4M | $4M | $4M | |
| Financing Cash Flow | $-24M | $34M | $-137M | $42M | $-7M | $-9M | $-64M | $56M | $64M | $2M | $10M | $13M | $40M | $-38M | $39M | $2M | |
| Net Change in Cash | $28M | $9M | · | $24M | $-15M | $-11M | · | $85M | $54M | $-10M | · | $2M | $50.0K | $-2M | · | · | |
| Free Cash Flow | · | $8M | · | · | · | $1M | · | · | · | $5M | · | · | · | $9M | · | · | |
| Levered FCF | · | · | · | · | · | · | · | · | · | $-4M | · | · | · | $5M | · | · |
Profitability 5
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 35.7% | 0.74% | · | 22.2% | 20.9% | 23.3% | · | 23.3% | 22.4% | 20.6% | · | 29.0% | 22.4% | 23.7% | · | 16.8% | |
| Pretax Margin | 44.2% | 0.91% | · | 27.1% | 25.7% | 28.5% | · | 28.6% | 27.4% | 25.1% | · | 36.1% | 27.6% | 29.0% | · | 20.0% | |
| EBITDA Margin | · | 1.9% | · | · | · | 2.1% | · | · | · | 2.0% | · | · | · | 2.2% | · | · | |
| ROA | 0.49% | 0.01% | · | 0.25% | 0.24% | 0.25% | · | 0.25% | 0.24% | 0.21% | · | 0.31% | 0.25% | 0.26% | · | 0.19% | |
| ROE | 4.4% | 0.09% | · | 2.3% | 2.2% | 2.3% | · | 2.5% | 2.4% | 2.1% | · | 3.2% | 2.4% | 2.4% | · | 1.7% |
Liquidity & Solvency 1
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.1 | 0.2 | · | 0.1 | 0.1 | 0.4 | · | 0.0 |
Efficiency 1
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 |
Valuation (TTM) 15
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $135M | $122M | · | $113M | $111M | $107M | · | $106M | $106M | $105M | · | $106M | $106M | $106M | · | $99M | |
| Net Income TTM | $27M | $19M | · | $25M | $25M | $24M | · | $25M | $25M | $25M | · | $24M | $24M | $25M | · | $26M | |
| Market Cap | $418M | $400M | · | $308M | $294M | $312M | · | $304M | $275M | $289M | · | $268M | $295M | $331M | · | $375M | |
| Enterprise Value | $350M | $359M | · | $186M | $195M | $197M | · | $131M | $192M | $291M | · | $239M | $274M | $372M | · | $313M | |
| P/E | 18.6 | 17.9 | · | 12.1 | 11.7 | 12.8 | · | 11.9 | 10.9 | 11.5 | · | 11.1 | 12.4 | 13.3 | · | 14.5 | |
| P/S | 3.1 | 3.3 | · | 2.7 | 2.7 | 2.9 | · | 2.9 | 2.6 | 2.7 | · | 2.5 | 2.8 | 3.1 | · | 3.8 | |
| P/B | 1.2 | 1.2 | · | 1.0 | 1.0 | 1.1 | · | 1.1 | 1.0 | 1.1 | · | 1.1 | 1.2 | 1.3 | · | 1.6 | |
| P / Tangible Book | 1.5 | 1.5 | · | 1.3 | 1.3 | 1.4 | · | 1.4 | 1.3 | 1.4 | · | 1.4 | 1.5 | 1.7 | · | 2.0 | |
| P / Cash Flow | · | 46.2 | · | · | · | 196.8 | · | · | · | 50.4 | · | · | · | 34.7 | · | · | |
| P / FCF | · | 47.3 | · | · | · | 299.2 | · | · | · | 57.9 | · | · | · | 35.7 | · | · | |
| EV / EBITDA | · | 522.4 | · | · | · | 356.9 | · | · | · | 572.1 | · | · | · | 653.1 | · | · | |
| EV / FCF | · | 42.4 | · | · | · | 189.6 | · | · | · | 58.4 | · | · | · | 40.1 | · | · | |
| EV / Revenue | 2.6 | 2.9 | · | 1.6 | 1.8 | 1.8 | · | 1.2 | 1.8 | 2.8 | · | 2.2 | 2.6 | 3.5 | · | 3.2 | |
| Earnings Yield | 5.4% | 5.6% | · | 8.3% | 8.6% | 7.8% | · | 8.4% | 9.2% | 8.7% | · | 9.0% | 8.1% | 7.5% | · | 6.9% | |
| Payout Ratio | · | 1683.5% | · | · | · | 62.5% | · | · | · | 73.0% | · | · | · | 63.2% | · | · |
Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years
Income Statement
| 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | |
|---|---|---|---|---|---|
| Net Income | $23M | $26M | $24M | $27M | $31M |
| Diluted EPS | — | $1.69 | $1.57 | $1.71 | $1.92 |
Balance Sheet
| 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | |
|---|---|---|---|---|---|
| Debt / Equity | 0.1 | 0.0 | 0.1 | 0.3 | 0.0 |
Cash Flow
| 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | |
|---|---|---|---|---|---|
| Free Cash Flow | $30M | $31M | $31M | $31M | $33M |
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Institutional owners (13F) 102 filers · $97.2M total · As of June 30, 2026
Institutions that report holding this stock in their quarterly SEC Form 13F. Long positions only; a single filer may appear twice for separate option legs. Large offsetting put/call legs typically reflect market-making or hedged inventory, not directional conviction.
Institutional activity — Q2 2026 vs prior quarter
| New positions | Exited positions | Increased | Decreased | Net shares change |
|---|---|---|---|---|
| 14 (+2 vs prior Q) | 9 (+2 vs prior Q) | 34 (0 vs prior Q) | 26 (+3 vs prior Q) | +1.1M |
Compared to Q1 2026. SEC Form 13F filings are due within 45 days of quarter-end plus a short buffer for late filers — quarters still inside that window are skipped in favor of the most recent fully-reported pair.
| Institution | Value | Shares | % of tracked 13F | Type |
|---|---|---|---|---|
| VANGUARD CAPITAL MANAGEMENT LLC | $17,754,178 | 761,655 | 18.26% | Shares |
| DIMENSIONAL FUND ADVISORS LP | $13,948,261 | 598,381 | 14.34% | Shares |
| GEODE CAPITAL MANAGEMENT, LLC | $8,926,633 | 382,853 | 9.18% | Shares |
| CITIZENS & NORTHERN CORP | $8,146,666 | 349,492 | 8.38% | Shares |
| STATE STREET CORP | $7,877,172 | 337,931 | 8.10% | Shares |
| VANGUARD PORTFOLIO MANAGEMENT LLC | $3,403,237 | 145,999 | 3.50% | Shares |
| VANGUARD FIDUCIARY TRUST CO | $2,811,466 | 120,612 | 2.89% | Shares |
| PENNSYLVANIA CAPITAL MANAGEMENT INC /ADV | $2,330,231 | 99,967 | 2.40% | Shares |
| VANGUARD GROUP INC | $2,269,589 | 112,523 | 2.33% | Shares |
| Bank of New York Mellon Corp | $2,112,422 | 90,623 | 2.17% | Shares |
| TWO SIGMA INVESTMENTS, LP | $1,499,742 | 64,339 | 1.54% | Shares |
| LOGAN CAPITAL MANAGEMENT INC | $1,404,661 | 60,260 | 1.44% | Shares |
| IVC Wealth Advisors LLC | $1,272,912 | 54,608 | 1.31% | Shares |
| CHARLES SCHWAB INVESTMENT MANAGEMENT INC | $1,266,129 | 54,317 | 1.30% | Shares |
| RENAISSANCE TECHNOLOGIES LLC | $1,235,197 | 52,990 | 1.27% | Shares |
| Squarepoint Ops LLC | $1,228,227 | 52,691 | 1.26% | Shares |
| Hudock, Inc. | $1,184,212 | 50,802 | 1.22% | Shares |
| Stone House Investment Management, LLC | $1,144,288 | 49,090 | 1.18% | Shares |
| Qube Research & Technologies Ltd | $1,120,652 | 48,076 | 1.15% | Shares |
| Cetera Investment Advisers | $1,079,300 | 46,302 | 1.11% | Shares |
| Quantinno Capital Management LP | $1,069,696 | 45,890 | 1.10% | Shares |
| Minerva Advisors LLC | $999,999 | 42,900 | 1.03% | Shares |
| Connor, Clark & Lunn Investment Management Ltd. | $967,621 | 41,511 | 1.00% | Shares |
| BRIDGEWAY CAPITAL MANAGEMENT, LLC | $811,584 | 34,817 | 0.83% | Shares |
| CITADEL ADVISORS LLC | $809,696 | 34,736 | 0.83% | Shares |
| QSV Equity Investors LLC | $688,604 | 34,140 | 0.71% | Shares |
| WEALTH ENHANCEMENT ADVISORY SERVICES, LLC | $663,765 | 29,049 | 0.68% | Shares |
| AMERICAN CENTURY COMPANIES INC | $612,191 | 26,263 | 0.63% | Shares |
| GOLDMAN SACHS GROUP INC | $549,440 | 23,571 | 0.57% | Shares |
| RHUMBLINE ADVISERS | $528,665 | 22,680 | 0.54% | Shares |
| BlackRock, Inc. | $497,016 | 21,322 | 0.51% | Shares |
| Empowered Funds, LLC | $450,279 | 19,317 | 0.46% | Shares |
| KINTRA WEALTH, LLC | $439,322 | 16,897 | 0.45% | Shares |
| DEUTSCHE BANK AG\ | $398,624 | 17,101 | 0.41% | Shares |
| ALLIANCEBERNSTEIN L.P. | $392,335 | 17,562 | 0.40% | Shares |
| BANK OF AMERICA CORP /DE/ | $366,713 | 15,732 | 0.38% | Shares |
| MORGAN STANLEY | $343,358 | 14,730 | 0.35% | Shares |
| WELLS FARGO & COMPANY/MN | $342,121 | 14,677 | 0.35% | Shares |
| COMMONWEALTH EQUITY SERVICES, LLC | $283,530 | 12,163 | 0.29% | Shares |
| Teton Advisors, LLC | $279,720 | 12,000 | 0.29% | Shares |
| OCCUDO QUANTITATIVE STRATEGIES LP | $245,314 | 10,524 | 0.25% | Shares |
| ALEXANDER LABRUNERIE & CO., INC. | $240,279 | 10,308 | 0.25% | Shares |
| MERCER GLOBAL ADVISORS INC /ADV | $235,781 | 10,115 | 0.24% | Shares |
| Innova Wealth Partners | $234,662 | 10,067 | 0.24% | Shares |
| MetLife Investment Management, LLC | $229,021 | 9,825 | 0.24% | Shares |
| Teton Advisors, Inc. | $227,280 | 12,000 | 0.23% | Shares |
| MARTINGALE ASSET MANAGEMENT L P | $210,233 | 9,019 | 0.22% | Shares |
| Russell Investments Group, Ltd. | $192,773 | 8,270 | 0.20% | Shares |
| MIRAE ASSET GLOBAL ETFS HOLDINGS Ltd. | $188,112 | 8,070 | 0.19% | Shares |
| PNC Financial Services Group, Inc. | $175,501 | 7,529 | 0.18% | Shares |
| Vanguard Global Advisers, LLC | $172,727 | 7,410 | 0.18% | Shares |
| Invesco Ltd. | $161,608 | 6,933 | 0.17% | Shares |
| Nuveen, LLC | $146,597 | 6,289 | 0.15% | Shares |
| NEW YORK STATE COMMON RETIREMENT FUND | $130,513 | 5,599 | 0.13% | Shares |
| Police & Firemen's Retirement System of New Jersey | $127,319 | 5,462 | 0.13% | Shares |
| CWM, LLC | $80,022 | 3,582 | 0.08% | Shares |
| CIBC Private Wealth Group LLC | $69,969 | 3,532 | 0.07% | Shares |
| NORTHERN TRUST CORP | $64,545 | 2,769 | 0.07% | Shares |
| BNP PARIBAS FINANCIAL MARKETS | $56,760 | 2,435 | 0.06% | Shares |
| EMERALD ADVISERS, LLC | $53,613 | 2,300 | 0.06% | Shares |
| BARCLAYS PLC | $53,287 | 2,286 | 0.05% | Shares |
| Tower Research Capital LLC (TRC) | $51,305 | 2,201 | 0.05% | Shares |
| ST GERMAIN D J CO INC | $42,611 | 1,828 | 0.04% | Shares |
| Legal & General Group Plc | $42,214 | 1,811 | 0.04% | Shares |
| Ameritas Investment Partners, Inc. | $36,084 | 1,548 | 0.04% | Shares |
| Arax Advisory Partners | $34,919 | 1,498 | 0.04% | Shares |
| Nuveen Asset Management, LLC | $34,670 | 1,864 | 0.04% | Shares |
| CITIGROUP INC | $30,326 | 1,301 | 0.03% | Shares |
| CALIFORNIA STATE TEACHERS RETIREMENT SYSTEM | $20,843 | 933 | 0.02% | Shares |
| Strategic Wealth Partners, Ltd. | $19,114 | 820 | 0.02% | Shares |
| Sandy Spring Bank | $15,734 | 782 | 0.02% | Shares |
| OSAIC HOLDINGS, INC. | $14,452 | 620 | 0.01% | Shares |
| UBS AM, a distinct business unit of UBS ASSET MANAGEMENT AMERICAS LLC | $13,963 | 625 | 0.01% | Shares |
| Versant Capital Management, Inc | $13,124 | 563 | 0.01% | Shares |
| UBS Group AG | $12,611 | 541 | 0.01% | Shares |
| ROYAL BANK OF CANADA | $12,000 | 529 | 0.01% | Shares |
| Sterling Capital Management LLC | $8,228 | 353 | 0.01% | Shares |
| AQR CAPITAL MANAGEMENT LLC | $6,713 | 288 | 0.01% | Shares |
| IFP Advisors, Inc | $5,921 | 254 | 0.01% | Shares |
| GAMMA Investing LLC | $4,732 | 203 | 0.00% | Shares |
| Integrated Wealth Concepts LLC | $3,965 | 170 | 0.00% | Shares |
| Allworth Financial LP | $2,401 | 103 | 0.00% | Shares |
| Essential Partners LLC | $2,354 | 101 | 0.00% | Shares |
| FMR LLC | $2,005 | 86 | 0.00% | Shares |
| Kilter Group LLC | $1,865 | 80 | 0.00% | Shares |
| Quarry LP | $1,072 | 46 | 0.00% | Shares |
| Larson Financial Group LLC | $979 | 42 | 0.00% | Shares |
| Optiver Holding B.V. | $932 | 40 | 0.00% | Shares |
| Farther Finance Advisors, LLC | $864 | 37 | 0.00% | Shares |
| ROTHSCHILD INVESTMENT LLC | $606 | 26 | 0.00% | Shares |
| ASSETMARK, INC | $490 | 21 | 0.00% | Shares |
| Rockefeller Capital Management L.P. | $443 | 19 | 0.00% | Shares |
| PHILADELPHIA TRUST CO | $385 | 16,499 | 0.00% | Shares |
| PRICE T ROWE ASSOCIATES INC /MD/ | $335 | 14,356 | 0.00% | Shares |
| True Wealth Design, LLC | $304 | 13 | 0.00% | Shares |
| NISA INVESTMENT ADVISORS, LLC | $256 | 11 | 0.00% | Shares |
| CANADA LIFE ASSURANCE Co | $51 | 2,187 | 0.00% | Shares |
| JPMORGAN CHASE & CO | $23 | 1 | 0.00% | Shares |
| EverSource Wealth Advisors, LLC | $23 | 1 | 0.00% | Shares |
| SBI Securities Co., Ltd. | $23 | 1 | 0.00% | Shares |
Company insiders 34 insiders · 11 officers · 14 directors
| Insider | Role | Last activity | Shares owned | Buys 12m | Sells 12m | Net 12m |
|---|---|---|---|---|---|---|
| Bradley J Scovill | PRESIDENT AND CEO | May 20, 2026 J | 6,699 | 0 | 0 | $0 |
| Charles H. Updegraff JR | Chief Executive Officer | Aug. 12, 2014 M | 3,729 | 0 | 0 | $0 |
| Craig G Litchfield | President & C.E.O. | April 4, 2010 D | 35,084 | 0 | 0 | $0 |
| William F Van Sant III | EVP, CHIEF WEALTH OFFICER | June 19, 2026 A | 6,861 | 0 | 0 | $0 |
| Shelley L D'Haene | EVP | Nov. 18, 2015 J | 2,718 | 0 | 0 | $0 |
| Deborah E Scott | Exec. VP & Sr. Trust Officer | Nov. 18, 2015 J | 7,586 | 0 | 0 | $0 |
| Anthony J Peluso | Interim Chief Financial Ofcr | Feb. 19, 2015 J | 666 | 0 | 0 | $0 |
| George Raup | EVP & CIO | Dec. 31, 2014 J | 2,584 | 0 | 0 | $0 |
| Dawn A Besse | Executive Vice President | Dec. 31, 2014 J | 4,031 | 0 | 0 | $0 |
| Matthew P Prosseda | Executive Vice President | Feb. 28, 2005 A | 0 | 0 | 0 | $0 |
| Brian L Canfield | Sr. Executive Vice President | Jan. 20, 2004 J | 8,803 | 0 | 0 | $0 |
| Stephen M Dorwart | Director | July 31, 2026 S | 4,270 | 0 | 1 | $-57,793 |
| Ann M Tyler | Director | Nov. 13, 2015 J | 4,985 | 0 | 0 | $0 |
| Edward H Owlett III | Director | Nov. 13, 2015 J | 22,789 | 0 | 0 | $0 |
| Jan E Fisher | Director | Nov. 13, 2015 J | 10,507 | 0 | 0 | $0 |
| Dennis Beardslee | Director | Nov. 13, 2015 J | 11,912 | 0 | 0 | $0 |
| Leonard Simpson | Director | Oct. 2, 2015 M | 34,293 | 0 | 0 | $0 |
| Raymond R Mattie | Director | Feb. 18, 2015 D | 21,880 | 0 | 0 | $0 |
| James E Towner | Director | Jan. 5, 2015 A | 20,756 | 0 | 0 | $0 |
| Bruce R Haner | Director | Jan. 5, 2015 A | 25,338 | 0 | 0 | $0 |
| Edward L Learn | Director | June 30, 2012 D | 6,583 | 0 | 0 | $0 |
| Robert R Decamp | Director | April 17, 2009 J | 4,412 | 0 | 0 | $0 |
| Karl W Kroeck | Director | April 18, 2008 J | 1,661 | 0 | 0 | $0 |
| Katherine W Shattuck | — | Aug. 7, 2026 P | 10,601 | 3 | 0 | $623 |
| Frank G Pellegrino | — | Aug. 7, 2026 P | 51,108 | 3 | 0 | $13,878 |
| Christian C Trate | — | Aug. 3, 2026 S | 4,798 | 0 | 2 | $-18,950 |
| David S Runk | — | May 20, 2026 J | 65 | 0 | 0 | $0 |
| Harold F Hoose III | — | May 20, 2026 J | 16,699 | 0 | 0 | $0 |
| Thomas L Rudy JR | — | May 20, 2026 J | 14,662 | 0 | 0 | $0 |
| Mark A Hughes | — | May 20, 2026 J | 19,548 | 0 | 0 | $0 |
| John M Reber | — | May 20, 2026 J | 10,085 | 0 | 0 | $0 |
| Leo F Lambert | — | Feb. 13, 2026 J | 44,549 | 0 | 0 | $0 |
| Stan R Dunsmore | — | Nov. 13, 2015 J | 55 | 0 | 0 | $0 |
| Susan E Hartley | — | Nov. 13, 2015 J | 8,722 | 0 | 0 | $0 |
Insiders from SEC Form 3/4/5 filings; net = open-market P/S only
Activists & 5%+ owners 2 positions
Investors who filed SEC Schedule 13D — beneficial ownership above 5% with an intent to influence the issuer (activist stakes, board campaigns, M&A). Each row shows the most recent known state of that filer's position.
| Filer | Filed | Stake | Status | Purpose | Filing |
|---|---|---|---|---|---|
| Sandler O'Neill Asset Management, LLC, SOAM Holdings, LLC, Malta Partners, L.P., Malta Hedge Fund, L.P., Malta Hedge Fund II, L.P., Malta Offshore, Ltd, Malta MLC Fund, LP, Malta MLC Offshore, Ltd, SOAM Capital Partners, L.P., Terry Maltese ×2 filings | Nov. 12, 2010 | — | Initial filing | Passive investment | SEC |
| Sandler O’Neill Asset Management, LLC, SOAM Holdings, LLC, Malta Partners, L.P., Malta Hedge Fund, L.P., Malta Hedge Fund II, L.P., Malta Offshore, Ltd, Malta MLC Fund, LP, Malta MLC Offshore, Ltd, SOAM Capital Partners, L.P., Terry Maltese ×3 filings | July 6, 2010 | — | Initial filing | — | SEC |
Purpose is an automated classification of the filer's own stated purpose (SEC Item 4) — not investment advice. "—" means no clear purpose was stated or the text could not be classified.
ETF ownership Held by 30 ETFs
Weight reflects direct equity holdings (N-PORT) only; leveraged or derivative-based funds may hold additional swap exposure not shown.
| Fund | Weight | Units | As of | Source |
|---|---|---|---|---|
| IWC · iShares Trust | 0.10% | 60,455 SH | Aug. 8, 2026 | Daily |
| IWN · iShares Trust | 0.03% | 180,793 SH | Aug. 8, 2026 | Daily |
| VTWV · VANGUARD SCOTTSDALE FUNDS | 0.03% | 15,276 SH | Aug. 8, 2026 | Daily |
| AVSC · AMERICAN CENTURY ETF TRUST | 0.02% | 21,608 NS | May 31, 2026 | N-PORT |
| DFAT · Dimensional ETF Trust | 0.01% | 89,168 NS | April 30, 2026 | N-PORT |
| IWM · iShares Trust | 0.01% | 449,222 SH | Aug. 8, 2026 | Daily |
| OMFS · Invesco Exchange-Traded Self-Indexe… | 0.01% | 1,483 SH | Aug. 8, 2026 | Daily |
| RSSL · Global X Funds | 0.01% | 7,440 NS | April 30, 2026 | N-PORT |
| VTWO · VANGUARD SCOTTSDALE FUNDS | 0.01% | 101,163 SH | Aug. 8, 2026 | Daily |
| DFAS · Dimensional ETF Trust | 0.01% | 58,957 NS | April 30, 2026 | N-PORT |
| ITWO · ProShares Trust | 0.01% | 812 NS | May 31, 2026 | N-PORT |
| DFSV · Dimensional ETF Trust | 0.01% | 20,511 NS | April 30, 2026 | N-PORT |
| UWM · ProShares Trust | 0.01% | 634 NS | May 31, 2026 | N-PORT |
| PRFZ · Invesco Exchange-Traded Fund Trust | 0.00% | 5,523 SH | Aug. 8, 2026 | Daily |
| URTY · ProShares Trust | 0.00% | 642 NS | May 31, 2026 | N-PORT |
| DFAC · Dimensional ETF Trust | 0.00% | 38,486 NS | April 30, 2026 | N-PORT |
| MSSM · MORGAN STANLEY PATHWAY FUNDS | 0.00% | 607 NS | May 31, 2026 | N-PORT |
| HDG · ProShares Trust | 0.00% | 16 NS | May 31, 2026 | N-PORT |
| DCOR · Dimensional ETF Trust | 0.00% | 1,517 NS | April 30, 2026 | N-PORT |
| DFSU · Dimensional ETF Trust | 0.00% | 814 NS | April 30, 2026 | N-PORT |
| IWV · iShares Trust | 0.00% | 5,901 SH | Aug. 8, 2026 | Daily |
| DFAU · Dimensional ETF Trust | 0.00% | 2,079 NS | April 30, 2026 | N-PORT |
| DFUS · Dimensional ETF Trust | 0.00% | 1,357 NS | April 30, 2026 | N-PORT |
| VXF · VANGUARD INDEX FUNDS | 0.00% | 205,390 SH | Aug. 8, 2026 | Daily |
| VTI · VANGUARD INDEX FUNDS | 0.00% | 540,305 SH | Aug. 8, 2026 | Daily |
| VTHR · VANGUARD SCOTTSDALE FUNDS | 0.00% | 1,460 SH | Aug. 8, 2026 | Daily |
| EBI · RBB Fund Trust | 0.00% | 15 NS | May 31, 2026 | N-PORT |
| AVUS · AMERICAN CENTURY ETF TRUST | 0.00% | 55 NS | May 31, 2026 | N-PORT |
| DXUV · Dimensional ETF Trust | 0.00% | 8 NS | April 30, 2026 | N-PORT |
| VFH · VANGUARD WORLD FUND | 0.00% | 28,100 SH | Aug. 8, 2026 | Daily |