CZNC Citizens & Northern Corp - Common Stock
NASDAQ · Banking · View on SEC EDGAR ↗ close Oct 2, 2026 10-K/10-Q Aug 7, 2026
$25.63
· of 52w range
· above low
· to high
$18.8752w low
$26.3752w high
Market Cap (MRQ)
$460M
P/E
15.6
EPS
$1.69
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52W Range
$19–$26
Analyst Rating
HOLD
Price Target
$27
P/E
15.6
ROE
7.5%
Net Profit Margin
19.1%
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CZNC Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range
Price
$25.63
Market Cap (MRQ)
$460M
P/E
15.6
EPS
$1.69
Div Yield
3.6%
ROE
7.5%
Debt/Equity (MRQ)
0.0
52W Range
$19–$26
CZNC Stock Price Chart Daily OHLCV with technical indicators — pan, zoom, and customize your view
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Stock splits
| Ex-date | Split | Type |
|---|---|---|
| Dec. 28, 2007 | 101-for-100 | Forward |
| Dec. 28, 2006 | 101-for-100 | Forward |
| Dec. 27, 2005 | 101-for-100 | Forward |
| Dec. 24, 2003 | 101-for-100 | Forward |
| April 22, 2003 | 3-for-2 | Forward |
| Dec. 26, 2002 | 101-for-100 | Forward |
| Jan. 2, 2002 | 101-for-100 | Forward |
| Nov. 22, 2000 | 101-for-100 | Forward |
| Nov. 25, 1998 | 101-for-100 | Forward |
| Oct. 17, 1994 | 2-for-1 | Forward |
10-Year Performance Revenue, net income, margins and EPS trends
EPS$1.692016-12-31 → 2024-12-31
Free Cash Flow$30M2016-12-31 → 2025-12-31
Net margin19.1%2016-12-31 → 2025-12-31
Valuation & Ratios
Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?
| Metric | 5Y trend | CZNC | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| P/E | 15.65Y avg ≈12.9 | ≈12.9 | 11.4 | Overvalued | |
| P/S | 3.75Y avg ≈3.2 | ≈3.2 | 4.2 | Undervalued | |
| P/B (MRQ) | 1.35Y avg ≈1.2 | ≈1.2 | 1.1 | Overvalued | |
| EV / EBITDA | 185.95Y avg ≈134.4 | ≈134.4 | · | · | |
| Price / FCF (TTM) | 10.35Y avg ≈11.2 | ≈11.2 | · | · | |
| Price / Cash Flow (TTM) | 10.05Y avg ≈10.4 | ≈10.4 | 10.0 | Overvalued | |
| EV / Revenue | 3.65Y avg ≈2.8 | ≈2.8 | · | · | |
| EV / FCF | 14.65Y avg ≈9.7 | ≈9.7 | · | · | |
| Price / Tangible Book (MRQ) | 1.45Y avg ≈1.6 | ≈1.6 | · | · |
Peer median is calculated on a standardized basis per metric and may not always match the TTM/MRQ basis shown for this stock.
Profitability Gross, operating and net margins; ROE, ROA, ROIC
| Metric | 5Y trend | CZNC | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| EBITDA Margin | 1.9%5Y avg ≈2.1% | ≈2.1% | · | · | |
| Pretax Margin | 23.3%5Y avg ≈29.6% | ≈29.6% | 43.6% | In line | |
| Net Profit Margin | 19.1%5Y avg ≈24.1% | ≈24.1% | 35.0% | In line | |
| ROA | 0.82%5Y avg ≈1.1% | ≈1.1% | 0.87% | In line | |
| ROE | 7.5%5Y avg ≈9.5% | ≈9.5% | 6.9% | In line |
Financial Health Debt, liquidity, solvency — balance sheet strength
| Metric | 5Y trend | CZNC | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Debt / Equity (MRQ) | 0.05Y avg ≈0.1 | ≈0.1 | · | · |
Growth Revenue, EPS and net income growth: YoY, 3Y CAGR, 5Y CAGR
| Metric | 5Y trend | CZNC | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Revenue YoY | 13.3%5Y avg ≈6.1% | ≈6.1% | · | · | |
| Revenue CAGR 3Y | 4.5%5Y avg ≈3.4% | ≈3.4% | · | · | |
| Revenue CAGR 5Y | 5.9% | · | · | · | |
| EPS YoY | 7.6%5Y avg ≈9.0% | ≈9.0% | · | · | |
| Net Income YoY | -9.8%5Y avg ≈6.9% | ≈6.9% | · | · | |
| EPS CAGR 3Y | -4.2% | · | · | · | |
| Net Income CAGR 3Y | -4.2%5Y avg ≈-0.52% | ≈-0.52% | · | · | |
| Net Income CAGR 5Y | 4.0% | · | · | · |
Capital Efficiency Asset turnover, inventory turnover, receivables turnover
| Metric | 5Y trend | CZNC | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Asset Turnover | 0.05Y avg ≈0.0 | ≈0.0 | 0.0 | Top tier |
value · ≈ 5Y avg · industry median · verdict relative to median
Dividends Yield, payout ratio, dividend history, 5Y CAGR
Dividend Yield3.6%
Payout Ratio69.5%
Annualized Payout≈$1.12
5Y Div CAGR≈0.73%
| Ex-date | Amount | Currency | Yield |
|---|---|---|---|
| Aug 3, 2026 | $0.28 | USD | ≈4.4% |
| May 4, 2026 | $0.28 | USD | ≈5.2% |
| Feb 2, 2026 | $0.28 | USD | ≈4.9% |
| Nov 3, 2025 | $0.28 | USD | ≈5.9% |
| Aug 4, 2025 | $0.28 | USD | ≈6.1% |
| May 2, 2025 | $0.28 | USD | ≈5.9% |
| Feb 3, 2025 | $0.28 | USD | ≈5.3% |
| Oct 28, 2024 | $0.28 | USD | ≈5.9% |
| Jul 29, 2024 | $0.28 | USD | ≈5.5% |
| May 3, 2024 | $0.28 | USD | ≈6.3% |
| Jan 26, 2024 | $0.28 | USD | ≈5.4% |
| Oct 27, 2023 | $0.28 | USD | ≈6.4% |
| Jul 28, 2023 | $0.28 | USD | ≈5.3% |
| Apr 28, 2023 | $0.28 | USD | ≈5.9% |
| Feb 2, 2023 | $0.28 | USD | ≈4.8% |
| Oct 28, 2022 | $0.28 | USD | ≈4.7% |
| Jul 29, 2022 | $0.28 | USD | ≈4.6% |
| Apr 29, 2022 | $0.28 | USD | ≈4.8% |
| Jan 28, 2022 | $0.28 | USD | ≈4.5% |
| Oct 29, 2021 | $0.28 | USD | ≈4.4% |
Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date
Avg Surprise
-29.2%
Next Report
Oct 15, 2026
| Period | Report | EPS Actual | EPS Est | Surprise |
|---|---|---|---|---|
| June 30, 2026 | Jul 16, 2026 | $0.79 | $0.64 | 22.9% |
| March 31, 2026 | $0.02 | $0.59 | -96.6% | |
| Dec. 31, 2025 | $0.25 | $0.60 | -58.1% | |
| Sept. 30, 2025 | $0.42 | $0.52 | -19.3% | |
| June 30, 2025 | $0.40 | $0.47 | -15.7% | |
| March 31, 2025 | $0.41 | $0.45 | -8.6% |
Full Fundamentals All metrics by year — income statement, balance sheet, cash flow
Income Statement
| 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
| 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
| 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
| 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
| 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
| 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 |
Per Share
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Book Value / Share | $19.17 | $17.84 | $17.15 | $16.07 | $19.13 | $18.84 | · | $16.02 | $15.43 | $15.36 | $15.39 | · | |
| Revenue / Share | · | $7.10 | $6.88 | $6.96 | $6.58 | $6.24 | · | $5.41 | $4.80 | $4.71 | $4.76 | $4.63 | |
| Cash Flow / Share | · | $2.16 | $2.20 | $2.24 | $2.21 | $1.68 | · | $2.11 | $1.59 | $1.53 | $1.61 | $1.80 | |
| Cash / Share | $2.58 | $8.18 | $3.72 | $3.55 | $6.66 | $6.40 | · | $3.04 | $3.03 | $2.36 | $2.73 | · | |
| Dividend Paid / Share | · | · | · | · | · | · | · | · | · | · | $1.04 | $1.04 | |
| EPS (TTM) | $1.64 | $1.69 | $1.57 | $1.71 | $1.92 | $1.30 | $1.46 | $1.79 | $1.10 | $1.30 | $1.35 | $1.38 |
Growth Rates
| 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% | · | · | · | · | · | · | · | · | · | · | · | |
| Dividends Paid CAGR 5Y | 2.4% | · | · | · | · | · | · | · | · | · | · | · |
Valuation (TTM)
| 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
| 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 | · | 15,398,262 | 15,359,004 | 15,338,532 | · | 15,267,120 | 15,264,533 | 15,230,580 | · | 15,154,797 | 15,231,505 | 15,409,680 | · | 15,364,075 | |
| Shares (Diluted) | · | 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 | · | 15,367,189 | |
| EBITDA | · | $687.0K | · | · | · | $553.0K | · | · | · | $509.0K | · | · | · | $570.0K | · | · |
Balance Sheet
| 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
| 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
| 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
| 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
| 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 |
Per Share
| 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Book Value / Share | $19.29 | $18.74 | · | $18.93 | $18.46 | $18.20 | · | $17.99 | $17.12 | $17.01 | · | $15.72 | $16.25 | $16.50 | · | $15.41 | |
| Revenue / Share | · | $2.07 | · | $1.92 | $1.91 | $1.76 | · | $1.79 | $1.79 | $1.69 | · | $1.73 | $1.77 | $1.71 | · | $1.73 | |
| Cash Flow / Share | · | $0.49 | · | · | · | $0.10 | · | · | · | $0.38 | · | · | · | $0.62 | · | · | |
| Cash / Share | $4.60 | $3.06 | · | $7.93 | $6.42 | $7.41 | · | $11.95 | $6.53 | $3.02 | · | $3.45 | $3.39 | $3.37 | · | $4.13 | |
| Dividend Paid / Share | $0.28 | $0.28 | · | $0.28 | $0.28 | $0.28 | · | $0.28 | $0.28 | $0.28 | · | $0.28 | $0.28 | $0.28 | · | $0.28 | |
| EPS (TTM) | · | · | · | · | · | · | · | · | · | · | · | $1.79 | $1.58 | $1.67 | · | $1.67 |
Valuation (TTM)
| 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 | $143M | $132M | · | $114M | $112M | $110M | · | $106M | $104M | $104M | · | $108M | $108M | $108M | · | $105M | |
| Net Income TTM | $25M | $17M | · | $27M | $27M | $27M | · | $22M | $23M | $23M | · | $28M | $25M | $26M | · | $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 | · | · | · | · | · | · | · | · | · | · | · | 9.8 | 12.2 | 12.8 | · | 14.5 | |
| P/S | 2.9 | 3.0 | · | 2.7 | 2.6 | 2.8 | · | 2.9 | 2.6 | 2.8 | · | 2.5 | 2.7 | 3.1 | · | 3.6 | |
| 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 | · | · | |
| EV / Revenue | 2.5 | 2.7 | · | 1.6 | 1.7 | 1.8 | · | 1.2 | 1.8 | 2.8 | · | 2.2 | 2.5 | 3.5 | · | 3.0 | |
| Dividend Yield | 4.2% | 4.2% | · | 5.1% | 5.3% | 5.0% | · | 5.1% | 5.6% | 5.4% | · | 5.8% | 5.3% | 4.8% | · | 4.2% | |
| Earnings Yield | · | · | · | · | · | · | · | · | · | · | · | 10.2% | 8.2% | 7.8% | · | 6.9% | |
| Payout Ratio | · | 1683.5% | · | · | · | 62.5% | · | · | · | 73.0% | · | · | · | 63.2% | · | · | |
| Annual Payout | $18M | $17M | · | $16M | $16M | $16M | · | $16M | $15M | $15M | · | $16M | $16M | $16M | · | $16M |
Most recent period on the left · null values shown as ·
Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years
| Metric | 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 |
| Metric | 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 |
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Free Cash Flow | $30M | $31M | $31M | $31M | $33M |
Institutional owners (13F) 100 filers · $157.4M total · As of Sept. 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.
Holders
100
Value held
$157.4M
New positions
9
Exited positions
9
Institutional activity — Q2 2026 vs prior quarter
| New positions | Exited positions | Increased | Decreased | Net shares change |
|---|---|---|---|---|
| 9 (-7 vs prior Q) | 9 (+2 vs prior Q) | 40 (+5 vs prior Q) | 26 (0 vs prior Q) | +415K |
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 |
|---|---|---|---|---|
| BlackRock, Inc. | $31,685,471 | 1,359,308 | 20.13% | Shares |
| VANGUARD GROUP INC | $17,849,422 | 884,949 | 11.34% | Shares |
| VANGUARD CAPITAL MANAGEMENT LLC | $17,754,178 | 761,655 | 11.28% | Shares |
| DIMENSIONAL FUND ADVISORS LP | $14,851,557 | 637,124 | 9.44% | Shares |
| GEODE CAPITAL MANAGEMENT, LLC | $10,523,414 | 451,355 | 6.69% | Shares |
| CITIZENS & NORTHERN CORP | $8,146,666 | 349,492 | 5.18% | Shares |
| STATE STREET CORP | $7,877,172 | 337,931 | 5.01% | Shares |
| NORTHERN TRUST CORP | $3,495,590 | 149,961 | 2.22% | Shares |
| VANGUARD PORTFOLIO MANAGEMENT LLC | $3,403,237 | 145,999 | 2.16% | Shares |
| Bank of New York Mellon Corp | $2,859,257 | 122,662 | 1.82% | Shares |
| VANGUARD FIDUCIARY TRUST CO | $2,811,466 | 120,612 | 1.79% | Shares |
| PENNSYLVANIA CAPITAL MANAGEMENT INC /ADV | $2,330,231 | 99,967 | 1.48% | Shares |
| CITADEL ADVISORS LLC | $1,727,434 | 74,107 | 1.10% | Shares |
| PNC Financial Services Group, Inc. | $1,685,803 | 72,321 | 1.07% | Shares |
| TWO SIGMA INVESTMENTS, LP | $1,499,742 | 64,339 | 0.95% | Shares |
| MORGAN STANLEY | $1,422,424 | 61,022 | 0.90% | Shares |
| LOGAN CAPITAL MANAGEMENT INC | $1,404,661 | 60,260 | 0.89% | Shares |
| AQR CAPITAL MANAGEMENT LLC | $1,285,784 | 55,160 | 0.82% | Shares |
| IVC Wealth Advisors LLC | $1,272,912 | 54,608 | 0.81% | Shares |
| CHARLES SCHWAB INVESTMENT MANAGEMENT INC | $1,266,129 | 54,317 | 0.80% | Shares |
| RENAISSANCE TECHNOLOGIES LLC | $1,235,197 | 52,990 | 0.78% | Shares |
| Squarepoint Ops LLC | $1,228,227 | 52,691 | 0.78% | Shares |
| Hudock, Inc. | $1,184,212 | 50,802 | 0.75% | Shares |
| Stone House Investment Management, LLC | $1,144,288 | 49,090 | 0.73% | Shares |
| Qube Research & Technologies Ltd | $1,120,652 | 48,076 | 0.71% | Shares |
| Cetera Investment Advisers | $1,079,300 | 46,302 | 0.69% | Shares |
| Quantinno Capital Management LP | $1,069,696 | 45,890 | 0.68% | Shares |
| Minerva Advisors LLC | $999,999 | 42,900 | 0.64% | Shares |
| Connor, Clark & Lunn Investment Management Ltd. | $977,435 | 41,932 | 0.62% | Shares |
| Nuveen, LLC | $835,128 | 35,827 | 0.53% | Shares |
| BRIDGEWAY CAPITAL MANAGEMENT, LLC | $811,584 | 34,817 | 0.52% | Shares |
| QSV Equity Investors LLC | $688,604 | 34,140 | 0.44% | Shares |
| WEALTH ENHANCEMENT ADVISORY SERVICES, LLC | $663,765 | 29,049 | 0.42% | Shares |
| AMERICAN CENTURY COMPANIES INC | $612,191 | 26,263 | 0.39% | Shares |
| GOLDMAN SACHS GROUP INC | $549,440 | 23,571 | 0.35% | Shares |
| RHUMBLINE ADVISERS | $528,665 | 22,680 | 0.34% | Shares |
| Empowered Funds, LLC | $450,279 | 19,317 | 0.29% | Shares |
| KINTRA WEALTH, LLC | $439,322 | 16,897 | 0.28% | Shares |
| DEUTSCHE BANK AG\ | $398,624 | 17,101 | 0.25% | Shares |
| ALLIANCEBERNSTEIN L.P. | $392,335 | 17,562 | 0.25% | Shares |
| UBS Group AG | $376,970 | 16,172 | 0.24% | Shares |
| Invesco Ltd. | $375,081 | 16,091 | 0.24% | Shares |
| BANK OF AMERICA CORP /DE/ | $366,713 | 15,732 | 0.23% | Shares |
| WELLS FARGO & COMPANY/MN | $363,199 | 15,581 | 0.23% | Shares |
| COMMONWEALTH EQUITY SERVICES, LLC | $283,530 | 12,163 | 0.18% | Shares |
| Teton Advisors, LLC | $279,720 | 12,000 | 0.18% | Shares |
| OCCUDO QUANTITATIVE STRATEGIES LP | $245,314 | 10,524 | 0.16% | Shares |
| ALEXANDER LABRUNERIE & CO., INC. | $240,279 | 10,308 | 0.15% | Shares |
| MERCER GLOBAL ADVISORS INC /ADV | $235,781 | 10,115 | 0.15% | Shares |
| Innova Wealth Partners | $234,662 | 10,067 | 0.15% | Shares |
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 | Passive investment | 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.
Company insiders 48 insiders · 24 officers · 25 directors
| Insider | Role | Last activity | Shares owned | Buys 12m | Sells 12m | Net 12m |
|---|---|---|---|---|---|---|
| Bradley J Scovill | PRESIDENT AND CEO | Aug. 20, 2026 J | 6,772 | 0 | 0 | $0 |
| Charles H. Updegraff JR | Chief Executive Officer | Aug. 12, 2014 M | 3,729 | 0 | 0 | $0 |
| Mark A Hughes | EXEC. VP AND CFO | Aug. 20, 2026 J | 19,761 | 0 | 0 | $0 |
| Craig G Litchfield | President & C.E.O. | April 4, 2010 D | 35,084 | 0 | 0 | $0 |
| Glenn Richard James | EVP COUNSEL, CORP SECRETARY | Aug. 20, 2026 J | 335 | 0 | 0 | $0 |
| Alexander Balagour | EVP- CHIEF INFORMATION OFFICER | Aug. 20, 2026 J | 2,181 | 0 | 0 | $0 |
| Blair T Rush | EXECUTIVE VICE PRESIDENT | Aug. 20, 2026 J | 2,966 | 0 | 0 | $0 |
| Tracy Ellen Watkins | EXEC. VP | Aug. 20, 2026 J | 6,818 | 0 | 0 | $0 |
| Stan R Dunsmore | EXEC. VP, CHIEF CREDIT OFFICER | Aug. 20, 2026 J | 10,034 | 0 | 0 | $0 |
| David S Runk | EXEC. VP AND STRATEGIC ADVISOR | Aug. 20, 2026 J | 66 | 0 | 0 | $0 |
| Harold F Hoose III | EXEC. VP | Aug. 20, 2026 J | 16,880 | 0 | 0 | $0 |
| Thomas L Rudy JR | EXEC. VP | Aug. 20, 2026 J | 14,822 | 0 | 0 | $0 |
| John M Reber | EXEC. VP | Aug. 20, 2026 J | 10,195 | 0 | 0 | $0 |
| William F Van Sant III | EVP, CHIEF WEALTH OFFICER | June 19, 2026 A | 6,861 | 0 | 0 | $0 |
| Kelley A Cwiklinski | EVP CHIEF COMM LENDING OFFICER | May 20, 2026 J | 2,915 | 0 | 0 | $0 |
| Matthew L Bower | EVP, CHIEF WEALTH MGMT OFFICER | Aug. 20, 2025 J | 1,359 | 0 | 0 | $0 |
| Shelley L D'Haene | EXEC. VP | Nov. 21, 2022 J | 6,402 | 0 | 0 | $0 |
| Janice E. Ward | CHIEF WEALTH MNGMT OFFICER | Feb. 22, 2021 J | 94 | 0 | 0 | $0 |
| Deborah E Scott | EXEC. VP AND SR TRUST OFFICER | Nov. 18, 2020 J | 11,878 | 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 |
| Katherine W Shattuck | Director | Sept. 4, 2026 P | 10,711 | 12 | 0 | $4,069 |
| Frank G Pellegrino | Director | Sept. 4, 2026 P | 51,825 | 12 | 0 | $54,526 |
| Helen S Santiago | Director | Aug. 14, 2026 J | 124 | 0 | 0 | $0 |
| Stephen M Dorwart | Director | Aug. 14, 2026 J | 14,531 | 0 | 1 | $-57,793 |
| Robert G Loughery | Director | Aug. 14, 2026 J | 12,250 | 0 | 0 | $0 |
| Bobbi J Kilmer | Director | Aug. 14, 2026 J | 19,289 | 0 | 0 | $0 |
| Aaron K Singer | Director | Aug. 14, 2026 J | 10,545 | 0 | 0 | $0 |
| Christian C Trate | Director | Aug. 3, 2026 S | 4,798 | 0 | 3 | $-33,068 |
| Terry L Lehman | Director | May 13, 2026 P | 30,317 | 1 | 0 | $20,830 |
| Susan E Hartley | Director | April 24, 2025 A | 22,645 | 0 | 0 | $0 |
| Timothy E Schoener | Director | April 10, 2023 P | 5,875 | 0 | 0 | $0 |
| Clark S Frame | Director | Jan. 12, 2022 W | 1,844 | 0 | 0 | $0 |
| Leonard Simpson | Director | Oct. 27, 2020 P | 16 | 0 | 0 | $0 |
| Dennis Beardslee | Director | Feb. 7, 2020 J | 19,012 | 0 | 0 | $0 |
| Jan E Fisher | Director | April 8, 2019 P | 19,706 | 0 | 0 | $0 |
| James E Towner | Director | Jan. 3, 2019 A | 23,848 | 0 | 0 | $0 |
| Edward H Owlett III | Director | Jan. 3, 2018 A | 13,275 | 0 | 0 | $0 |
| Bruce R Haner | Director | Jan. 3, 2018 A | 30,193 | 0 | 0 | $0 |
| Ann M Tyler | Director | Jan. 4, 2017 A | 6,248 | 0 | 0 | $0 |
| Raymond R Mattie | Director | Feb. 18, 2015 D | 21,880 | 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 |
| Leo F Lambert | · | Feb. 13, 2026 J | 44,549 | 0 | 0 | $0 |
Insiders from SEC Form 3/4/5 filings; net = open-market P/S only
ETF ownership Held by 22 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 | 0.11% | 60,888 SH | Sept. 11, 2026 | Daily |
| VTWV · VANGUARD SCOTTSDALE FUNDS | 0.03% | 15,276 SH | Aug. 19, 2026 | Daily |
| DFAT · Dimensional ETF Trust | 0.02% | 88,919 NS | July 31, 2026 | N-PORT |
| IWM · iShares Trust | 0.02% | 450,135 SH | Sept. 11, 2026 | Daily |
| RSSL · Global X Funds | 0.01% | 8,352 NS | July 31, 2026 | N-PORT |
| OMFS · Invesco Exchange-Traded Self-Indexe… | 0.01% | 1,474 SH | Oct. 1, 2026 | Daily |
| VTWO · VANGUARD SCOTTSDALE FUNDS | 0.01% | 101,163 SH | Aug. 19, 2026 | Daily |
| DFAS · Dimensional ETF Trust | 0.01% | 58,957 NS | July 31, 2026 | N-PORT |
| DFSV · Dimensional ETF Trust | 0.01% | 20,511 NS | July 31, 2026 | N-PORT |
| PRFZ · Invesco Exchange-Traded Fund Trust | 0.01% | 5,534 SH | Oct. 1, 2026 | Daily |
| DXUV · Dimensional ETF Trust | 0.00% | 952 NS | July 31, 2026 | N-PORT |
| DFAC · Dimensional ETF Trust | 0.00% | 38,486 NS | July 31, 2026 | N-PORT |
| DCOR · Dimensional ETF Trust | 0.00% | 1,517 NS | July 31, 2026 | N-PORT |
| DFSU · Dimensional ETF Trust | 0.00% | 814 NS | July 31, 2026 | N-PORT |
| IWV · iShares Trust | 0.00% | 5,961 SH | Sept. 3, 2026 | Daily |
| DFAU · Dimensional ETF Trust | 0.00% | 2,799 NS | July 31, 2026 | N-PORT |
| DFUS · Dimensional ETF Trust | 0.00% | 1,810 NS | July 31, 2026 | N-PORT |
| VXF · VANGUARD INDEX FUNDS | 0.00% | 205,390 SH | Aug. 19, 2026 | Daily |
| VTI · VANGUARD INDEX FUNDS | 0.00% | 540,305 SH | Aug. 19, 2026 | Daily |
| VTHR · VANGUARD SCOTTSDALE FUNDS | 0.00% | 1,460 SH | Aug. 19, 2026 | Daily |
| VFH · VANGUARD WORLD FUND | 0.00% | 28,100 SH | Aug. 19, 2026 | Daily |
| IWN · iShares Trust | · | 181,488 SH | Sept. 11, 2026 | Daily |
CZNC Analyst Consensus Bullish and bearish analyst opinions, 12-month price target, upside
rating · 6 analysts
SELL
Median target
$27.00
+5.3%
0 0.0%
Strong Buy
0 0.0%
Buy
3 50.0%
Hold
1 16.7%
Sell
2 33.3%
Strong Sell
12-Month Price Target
1 analysts · 2026-10-01Mean target $27.00 +5.3%
Low$27.00
Mean$27.00
High$27.00
Peer comparison (GICS sub-industry) Key metrics vs sector peers
FY basis, prices as of each company's last fiscal year-end close.
| Ticker | Market Cap | P/E | Rev YoY | Net Margin | ROE | Gross Margin |
|---|---|---|---|---|---|---|
| CZNC | $359M | 12.3 | 13.3% | 19.1% | 7.5% | · |
| COFS | $443M | 14.7 | 63.6% | 12.4% | 6.3% | · |
| PDLB | $395M | 13.6 | 30.5% | 26.3% | 5.4% | · |
| FMAO | $340M | 10.2 | 19.6% | 27.4% | 9.2% | · |
| WTBA | $376M | 11.6 | 19.4% | 34.2% | 12.8% | · |
| BMRC | $419M | -11.6 | -58.1% | -121.4% | -8.6% | · |
| PBFS | $338M | 16.2 | 15.2% | 128.3% | 6.4% | · |
| RBB | $352M | 11.3 | -2.4% | 618.3% | 6.1% | · |
| FRBA | · | · | · | · | · | · |
| AVBC | $337M | -93.4 | 14.7% | -3.2% | -1.1% | · |
| CBK | $336M | 8.3 | 2.1% | 41.2% | 14.7% | · |
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Source: SEC 10-Q filed Aug 7, 2026