CZNC Citizens & Northern Corp - Common Stock
NASDAQ · Banking · Lihat di SEC EDGAR ↗ tutup Okt 2, 2026 10-K/10-Q Agu 7, 2026
$25,63
· % dari rentang 52 mgg
· di atas terendah
· ke tinggi
$18,87rendah 52m
$26,37tinggi 52m
Kapitalisasi Pasar (MRQ)
$460M
P/E
15.6
EPS
$1.69
lencana Anda
Rentang 52M
$19–$26
Peringkat Analis
HOLD
Target Harga
$27
P/E
15.6
ROE
7.5%
Margin Laba Bersih
19.1%
Strip lencana Anda kosong — sematkan metrik di mana saja di halaman ini.
CZNC Cuplikan Saham Harga, kapitalisasi pasar, P/E, EPS, ROE, utang/ekuitas, kisaran 52 minggu
Harga
$25.63
Kapitalisasi Pasar (MRQ)
$460M
P/E
15.6
EPS
$1.69
Imbal Hasil Dividen
3.6%
ROE
7.5%
D/E Utang/Ekuitas (MRQ)
0.0
Rentang 52M
$19–$26
CZNC Grafik Harga Saham OHLCV harian dengan indikator teknis — geser, perbesar, dan sesuaikan tampilan Anda
rentang
batang
Granularitas batang menyesuaikan dengan periode yang dipilih — arahkan kursor ke bagan untuk melihat buka/tinggi/rendah/tutup untuk sebuah batang.
Pemecahan saham
| Tanggal ex-dividen | Pemecahan | Tipe |
|---|---|---|
| 28 Des. 2007 | 101-for-100 | Maju |
| 28 Des. 2006 | 101-for-100 | Maju |
| 27 Des. 2005 | 101-for-100 | Maju |
| 24 Des. 2003 | 101-for-100 | Maju |
| 22 April 2003 | 3-for-2 | Maju |
| 26 Des. 2002 | 101-for-100 | Maju |
| 2 Jan. 2002 | 101-for-100 | Maju |
| 22 Nov. 2000 | 101-for-100 | Maju |
| 25 Nov. 1998 | 101-for-100 | Maju |
| 17 Okt. 1994 | 2-for-1 | Maju |
Kinerja 10 Tahun Tren Pendapatan, laba bersih, margin, dan EPS
EPS$1.692016-12-31 → 2024-12-31
Arus Kas Bebas$30M2016-12-31 → 2025-12-31
Margin bersih19.1%2016-12-31 → 2025-12-31
Valuasi & Rasio
Valuasi Rasio P/E, P/S, P/B, EV/EBITDA — apakah sahamnya mahal atau murah?
| Metrik | Tren 5 Tahun | CZNC | rata-rata 5T | Median Rekan | Kesimpulan |
|---|---|---|---|---|---|
| P/E | 15.6rata-rata 5T ≈12.9 | ≈12.9 | 11.4 | Terlalu mahal | |
| P/S | 3.7rata-rata 5T ≈3.2 | ≈3.2 | 4.2 | Kurang nilai | |
| P/B (MRQ) | 1.3rata-rata 5T ≈1.2 | ≈1.2 | 1.1 | Terlalu mahal | |
| EV / EBITDA | 185.9rata-rata 5T ≈134.4 | ≈134.4 | · | · | |
| Harga / FCF (TTM) | 10.3rata-rata 5T ≈11.2 | ≈11.2 | · | · | |
| Harga / Arus Kas (TTM) | 10.0rata-rata 5T ≈10.4 | ≈10.4 | 10.0 | Terlalu mahal | |
| EV / Revenue (EV / Pendapatan) | 3.6rata-rata 5T ≈2.8 | ≈2.8 | · | · | |
| EV / FCF | 14.6rata-rata 5T ≈9.7 | ≈9.7 | · | · | |
| Harga / Nilai Buku Berwujud (MRQ) | 1.4rata-rata 5T ≈1.6 | ≈1.6 | · | · |
Median rekan dihitung berdasarkan basis standar per metrik dan mungkin tidak selalu cocok dengan basis TTM/MRQ yang ditampilkan untuk saham ini.
Profitabilitas Margin kotor, operasional, dan bersih; ROE, ROA, ROIC
| Metrik | Tren 5 Tahun | CZNC | rata-rata 5T | Median Rekan | Kesimpulan |
|---|---|---|---|---|---|
| EBITDA Margin (Margin EBITDA) | 1.9%rata-rata 5T ≈2.1% | ≈2.1% | · | · | |
| Pretax Margin (Margin Sebelum Pajak) | 23.3%rata-rata 5T ≈29.6% | ≈29.6% | 43.6% | Sejajar | |
| Net Profit Margin (Margin Laba Bersih) | 19.1%rata-rata 5T ≈24.1% | ≈24.1% | 35.0% | Sejajar | |
| ROA | 0.82%rata-rata 5T ≈1.1% | ≈1.1% | 0.87% | Sejajar | |
| ROE | 7.5%rata-rata 5T ≈9.5% | ≈9.5% | 6.9% | Sejajar |
Kesehatan Keuangan Utang, likuiditas, solvabilitas — kekuatan neraca
| Metrik | Tren 5 Tahun | CZNC | rata-rata 5T | Median Rekan | Kesimpulan |
|---|---|---|---|---|---|
| Utang / Ekuitas (MRQ) | 0.0rata-rata 5T ≈0.1 | ≈0.1 | · | · |
Pertumbuhan Pertumbuhan Pendapatan, EPS, dan Laba Bersih: YoY, CAGR 3T, CAGR 5T
| Metrik | Tren 5 Tahun | CZNC | rata-rata 5T | Median Rekan | Kesimpulan |
|---|---|---|---|---|---|
| Revenue YoY (Pendapatan YoY) | 13.3%rata-rata 5T ≈6.1% | ≈6.1% | · | · | |
| Revenue CAGR 3Y (CAGR Pendapatan 3T) | 4.5%rata-rata 5T ≈3.4% | ≈3.4% | · | · | |
| Revenue CAGR 5Y (CAGR Pendapatan 5T) | 5.9% | · | · | · | |
| EPS YoY | 7.6%rata-rata 5T ≈9.0% | ≈9.0% | · | · | |
| Net Income YoY (Laba Bersih YoY) | -9.8%rata-rata 5T ≈6.9% | ≈6.9% | · | · | |
| EPS CAGR 3Y (CAGR EPS 3T) | -4.2% | · | · | · | |
| Net Income CAGR 3Y (CAGR Laba Bersih 3T) | -4.2%rata-rata 5T ≈-0.52% | ≈-0.52% | · | · | |
| Net Income CAGR 5Y (CAGR Laba Bersih 5T) | 4.0% | · | · | · |
Efisiensi Modal Perputaran aset, perputaran persediaan, perputaran piutang
| Metrik | Tren 5 Tahun | CZNC | rata-rata 5T | Median Rekan | Kesimpulan |
|---|---|---|---|---|---|
| Asset Turnover (Perputaran Aset) | 0.0rata-rata 5T ≈0.0 | ≈0.0 | 0.0 | Tingkat teratas |
nilai · ≈ rata-rata 5T · median industri · penilaian relatif terhadap median
Dividen Yield, rasio pembayaran, riwayat dividen, CAGR 5 tahun
Imbal Hasil Dividen3.6%
Rasio Pembayaran Dividen69.5%
Pembayaran Tahunan≈$1.12
CAGR Dividen 5T≈0.73%
| Tanggal ex-dividen | Jumlah | Mata Uang | Imbal Hasil |
|---|---|---|---|
| Agu 3, 2026 | $0,28 | USD | ≈4.4% |
| Mei 4, 2026 | $0,28 | USD | ≈5.2% |
| Feb 2, 2026 | $0,28 | USD | ≈4.9% |
| Nov 3, 2025 | $0,28 | USD | ≈5.9% |
| Agu 4, 2025 | $0,28 | USD | ≈6.1% |
| Mei 2, 2025 | $0,28 | USD | ≈5.9% |
| Feb 3, 2025 | $0,28 | USD | ≈5.3% |
| Okt 28, 2024 | $0,28 | USD | ≈5.9% |
| Jul 29, 2024 | $0,28 | USD | ≈5.5% |
| Mei 3, 2024 | $0,28 | USD | ≈6.3% |
| Jan 26, 2024 | $0,28 | USD | ≈5.4% |
| Okt 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% |
| Okt 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% |
| Okt 29, 2021 | $0,28 | USD | ≈4.4% |
Riwayat Pendapatan EPS aktual vs perkiraan, kejutan %, tingkat keberhasilan, tanggal pendapatan berikutnya
Kejutan Rata-rata
-29.2%
Laporan Berikutnya
Okt 15, 2026
| Periode | Laporan | EPS Aktual | EPS Estimasi | Kejutan |
|---|---|---|---|---|
| 30 Juni 2026 | Jul 16, 2026 | $0.79 | $0.64 | 22.9% |
| 31 Maret 2026 | $0.02 | $0.59 | -96.6% | |
| 31 Des. 2025 | $0.25 | $0.60 | -58.1% | |
| 30 Sep. 2025 | $0.42 | $0.52 | -19.3% | |
| 30 Juni 2025 | $0.40 | $0.47 | -15.7% | |
| 31 Maret 2025 | $0.41 | $0.45 | -8.6% |
Fundamental Lengkap Semua metrik per tahun — laporan laba rugi, neraca, arus kas
Laporan Laba Rugi
| Metrik | Tren | 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 | · | · | · | · |
Neraca
| Metrik | Tren | 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 |
Arus Kas
| Metrik | Tren | 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 |
Profitabilitas
| Metrik | Tren | 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% |
Likuiditas & Solvabilitas
| Metrik | Tren | 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 |
Efisiensi
| Metrik | Tren | 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 Saham
| Metrik | Tren | 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 |
Tingkat Pertumbuhan
| Metrik | Tren | 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% | · | · | · | · | · | · | · | · | · | · | · |
Valuasi (TTM)
| Metrik | Tren | 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 |
Laporan Laba Rugi
| Metrik | Tren | 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 | · | · |
Neraca
| Metrik | Tren | 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 |
Arus Kas
| Metrik | Tren | 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 | · | · |
Profitabilitas
| Metrik | Tren | 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% |
Likuiditas & Solvabilitas
| Metrik | Tren | 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 |
Efisiensi
| Metrik | Tren | 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 Saham
| Metrik | Tren | 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 |
Valuasi (TTM)
| Metrik | Tren | 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 |
Periode terbaru di sebelah kiri · nilai null ditampilkan sebagai ·
Laporan Keuangan Laporan laba rugi, neraca, arus kas — tahunan, 5 tahun terakhir
| Metrik | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Laba Bersih | $23M | $26M | $24M | $27M | $31M |
| EPS Dilusian | · | $1.69 | $1.57 | $1.71 | $1.92 |
| Metrik | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Utang / Ekuitas | 0.1 | 0.0 | 0.1 | 0.3 | 0.0 |
| Metrik | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Arus Kas Bebas | $30M | $31M | $31M | $31M | $33M |
Pemilik institusional (13F) 100 pengaju · $157.4M total · Per tanggal 30 Sep. 2026
Institusi yang melaporkan kepemilikan saham ini dalam SEC Form 13F triwulanan mereka. Hanya posisi panjang; satu pengaju dapat muncul dua kali untuk leg opsi terpisah. Kaki put/call offset yang besar biasanya mencerminkan pembuatan pasar atau inventaris yang dilindungi, bukan keyakinan arah.
Pemegang
100
Nilai yang dipegang
$157.4M
Posisi baru
9
Posisi yang keluar
9
Aktivitas institusional — Q2 2026 vs kuartal sebelumnya
| Posisi baru | Posisi yang keluar | Meningkat | Menurun | Perubahan bersih saham |
|---|---|---|---|---|
| 9 (-7 vs Kuartal sebelumnya) | 9 (+2 vs Kuartal sebelumnya) | 40 (+5 vs Kuartal sebelumnya) | 26 (0 vs Kuartal sebelumnya) | +415K |
Dibandingkan dengan Q1 2026. Pengajuan Formulir 13F SEC jatuh tempo dalam waktu 45 hari setelah akhir kuartal ditambah kelonggaran singkat untuk pengaju terlambat — kuartal yang masih dalam jangka waktu tersebut dilewati demi pasangan terakhir yang dilaporkan sepenuhnya.
| Institusi | Nilai | Saham | % dari 13F yang dilacak | Tipe |
|---|---|---|---|---|
| BlackRock, Inc. | $31.685.471 | 1.359.308 | 20,13% | Saham |
| VANGUARD GROUP INC | $17.849.422 | 884.949 | 11,34% | Saham |
| VANGUARD CAPITAL MANAGEMENT LLC | $17.754.178 | 761.655 | 11,28% | Saham |
| DIMENSIONAL FUND ADVISORS LP | $14.851.557 | 637.124 | 9,44% | Saham |
| GEODE CAPITAL MANAGEMENT, LLC | $10.523.414 | 451.355 | 6,69% | Saham |
| CITIZENS & NORTHERN CORP | $8.146.666 | 349.492 | 5,18% | Saham |
| STATE STREET CORP | $7.877.172 | 337.931 | 5,01% | Saham |
| NORTHERN TRUST CORP | $3.495.590 | 149.961 | 2,22% | Saham |
| VANGUARD PORTFOLIO MANAGEMENT LLC | $3.403.237 | 145.999 | 2,16% | Saham |
| Bank of New York Mellon Corp | $2.859.257 | 122.662 | 1,82% | Saham |
| VANGUARD FIDUCIARY TRUST CO | $2.811.466 | 120.612 | 1,79% | Saham |
| PENNSYLVANIA CAPITAL MANAGEMENT INC /ADV | $2.330.231 | 99.967 | 1,48% | Saham |
| CITADEL ADVISORS LLC | $1.727.434 | 74.107 | 1,10% | Saham |
| PNC Financial Services Group, Inc. | $1.685.803 | 72.321 | 1,07% | Saham |
| TWO SIGMA INVESTMENTS, LP | $1.499.742 | 64.339 | 0,95% | Saham |
| MORGAN STANLEY | $1.422.424 | 61.022 | 0,90% | Saham |
| LOGAN CAPITAL MANAGEMENT INC | $1.404.661 | 60.260 | 0,89% | Saham |
| AQR CAPITAL MANAGEMENT LLC | $1.285.784 | 55.160 | 0,82% | Saham |
| IVC Wealth Advisors LLC | $1.272.912 | 54.608 | 0,81% | Saham |
| CHARLES SCHWAB INVESTMENT MANAGEMENT INC | $1.266.129 | 54.317 | 0,80% | Saham |
| RENAISSANCE TECHNOLOGIES LLC | $1.235.197 | 52.990 | 0,78% | Saham |
| Squarepoint Ops LLC | $1.228.227 | 52.691 | 0,78% | Saham |
| Hudock, Inc. | $1.184.212 | 50.802 | 0,75% | Saham |
| Stone House Investment Management, LLC | $1.144.288 | 49.090 | 0,73% | Saham |
| Qube Research & Technologies Ltd | $1.120.652 | 48.076 | 0,71% | Saham |
| Cetera Investment Advisers | $1.079.300 | 46.302 | 0,69% | Saham |
| Quantinno Capital Management LP | $1.069.696 | 45.890 | 0,68% | Saham |
| Minerva Advisors LLC | $999.999 | 42.900 | 0,64% | Saham |
| Connor, Clark & Lunn Investment Management Ltd. | $977.435 | 41.932 | 0,62% | Saham |
| Nuveen, LLC | $835.128 | 35.827 | 0,53% | Saham |
| BRIDGEWAY CAPITAL MANAGEMENT, LLC | $811.584 | 34.817 | 0,52% | Saham |
| QSV Equity Investors LLC | $688.604 | 34.140 | 0,44% | Saham |
| WEALTH ENHANCEMENT ADVISORY SERVICES, LLC | $663.765 | 29.049 | 0,42% | Saham |
| AMERICAN CENTURY COMPANIES INC | $612.191 | 26.263 | 0,39% | Saham |
| GOLDMAN SACHS GROUP INC | $549.440 | 23.571 | 0,35% | Saham |
| RHUMBLINE ADVISERS | $528.665 | 22.680 | 0,34% | Saham |
| Empowered Funds, LLC | $450.279 | 19.317 | 0,29% | Saham |
| KINTRA WEALTH, LLC | $439.322 | 16.897 | 0,28% | Saham |
| DEUTSCHE BANK AG\ | $398.624 | 17.101 | 0,25% | Saham |
| ALLIANCEBERNSTEIN L.P. | $392.335 | 17.562 | 0,25% | Saham |
| UBS Group AG | $376.970 | 16.172 | 0,24% | Saham |
| Invesco Ltd. | $375.081 | 16.091 | 0,24% | Saham |
| BANK OF AMERICA CORP /DE/ | $366.713 | 15.732 | 0,23% | Saham |
| WELLS FARGO & COMPANY/MN | $363.199 | 15.581 | 0,23% | Saham |
| COMMONWEALTH EQUITY SERVICES, LLC | $283.530 | 12.163 | 0,18% | Saham |
| Teton Advisors, LLC | $279.720 | 12.000 | 0,18% | Saham |
| OCCUDO QUANTITATIVE STRATEGIES LP | $245.314 | 10.524 | 0,16% | Saham |
| ALEXANDER LABRUNERIE & CO., INC. | $240.279 | 10.308 | 0,15% | Saham |
| MERCER GLOBAL ADVISORS INC /ADV | $235.781 | 10.115 | 0,15% | Saham |
| Innova Wealth Partners | $234.662 | 10.067 | 0,15% | Saham |
Aktivis & pemilik 5%+ 2 saham
Investor yang mengajukan Jadwal 13D SEC — kepemilikan manfaat di atas 5% dengan niat untuk memengaruhi penerbit (kepemilikan aktivis, kampanye dewan, M&A). Setiap baris menunjukkan status terbaru yang diketahui dari posisi pengaju tersebut.
| Pengaju | Diajukan | Kepemilikan | Status | Tujuan | Pengajuan |
|---|---|---|---|---|---|
| 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 pengajuan | 12 Nov. 2010 | · | Pengajuan awal | Investasi pasif | 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 pengajuan | 6 Juli 2010 | · | Pengajuan awal | Investasi pasif | 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.
Orang dalam perusahaan 48 orang dalam · 24 pejabat · 25 direktur
| Orang Dalam | Peran | Aktivitas terakhir | Saham dimiliki | Beli 12m | Jual 12m | Bersih 12m |
|---|---|---|---|---|---|---|
| Bradley J Scovill | PRESIDENT AND CEO | 20 Agu 2026 J | 6.772 | 0 | 0 | $0 |
| Charles H. Updegraff JR | Chief Executive Officer | 12 Agu 2014 M | 3.729 | 0 | 0 | $0 |
| Mark A Hughes | EXEC. VP AND CFO | 20 Agu 2026 J | 19.761 | 0 | 0 | $0 |
| Craig G Litchfield | President & C.E.O. | 4 April 2010 D | 35.084 | 0 | 0 | $0 |
| Glenn Richard James | EVP COUNSEL, CORP SECRETARY | 20 Agu 2026 J | 335 | 0 | 0 | $0 |
| Alexander Balagour | EVP- CHIEF INFORMATION OFFICER | 20 Agu 2026 J | 2.181 | 0 | 0 | $0 |
| Blair T Rush | EXECUTIVE VICE PRESIDENT | 20 Agu 2026 J | 2.966 | 0 | 0 | $0 |
| Tracy Ellen Watkins | EXEC. VP | 20 Agu 2026 J | 6.818 | 0 | 0 | $0 |
| Stan R Dunsmore | EXEC. VP, CHIEF CREDIT OFFICER | 20 Agu 2026 J | 10.034 | 0 | 0 | $0 |
| David S Runk | EXEC. VP AND STRATEGIC ADVISOR | 20 Agu 2026 J | 66 | 0 | 0 | $0 |
| Harold F Hoose III | EXEC. VP | 20 Agu 2026 J | 16.880 | 0 | 0 | $0 |
| Thomas L Rudy JR | EXEC. VP | 20 Agu 2026 J | 14.822 | 0 | 0 | $0 |
| John M Reber | EXEC. VP | 20 Agu 2026 J | 10.195 | 0 | 0 | $0 |
| William F Van Sant III | EVP, CHIEF WEALTH OFFICER | 19 Juni 2026 A | 6.861 | 0 | 0 | $0 |
| Kelley A Cwiklinski | EVP CHIEF COMM LENDING OFFICER | 20 Mei 2026 J | 2.915 | 0 | 0 | $0 |
| Matthew L Bower | EVP, CHIEF WEALTH MGMT OFFICER | 20 Agu 2025 J | 1.359 | 0 | 0 | $0 |
| Shelley L D'Haene | EXEC. VP | 21 Nov. 2022 J | 6.402 | 0 | 0 | $0 |
| Janice E. Ward | CHIEF WEALTH MNGMT OFFICER | 22 Feb. 2021 J | 94 | 0 | 0 | $0 |
| Deborah E Scott | EXEC. VP AND SR TRUST OFFICER | 18 Nov. 2020 J | 11.878 | 0 | 0 | $0 |
| Anthony J Peluso | Interim Chief Financial Ofcr | 19 Feb. 2015 J | 666 | 0 | 0 | $0 |
| George Raup | EVP & CIO | 31 Des. 2014 J | 2.584 | 0 | 0 | $0 |
| Dawn A Besse | Executive Vice President | 31 Des. 2014 J | 4.031 | 0 | 0 | $0 |
| Matthew P Prosseda | Executive Vice President | 28 Feb. 2005 A | 0 | 0 | 0 | $0 |
| Brian L Canfield | Sr. Executive Vice President | 20 Jan. 2004 J | 8.803 | 0 | 0 | $0 |
| Katherine W Shattuck | Direktur | 4 Sep. 2026 P | 10.711 | 12 | 0 | $4.069 |
| Frank G Pellegrino | Direktur | 4 Sep. 2026 P | 51.825 | 12 | 0 | $54.526 |
| Helen S Santiago | Direktur | 14 Agu 2026 J | 124 | 0 | 0 | $0 |
| Stephen M Dorwart | Direktur | 14 Agu 2026 J | 14.531 | 0 | 1 | $-57.793 |
| Robert G Loughery | Direktur | 14 Agu 2026 J | 12.250 | 0 | 0 | $0 |
| Bobbi J Kilmer | Direktur | 14 Agu 2026 J | 19.289 | 0 | 0 | $0 |
| Aaron K Singer | Direktur | 14 Agu 2026 J | 10.545 | 0 | 0 | $0 |
| Christian C Trate | Direktur | 3 Agu 2026 S | 4.798 | 0 | 3 | $-33.068 |
| Terry L Lehman | Direktur | 13 Mei 2026 P | 30.317 | 1 | 0 | $20.830 |
| Susan E Hartley | Direktur | 24 April 2025 A | 22.645 | 0 | 0 | $0 |
| Timothy E Schoener | Direktur | 10 April 2023 P | 5.875 | 0 | 0 | $0 |
| Clark S Frame | Direktur | 12 Jan. 2022 W | 1.844 | 0 | 0 | $0 |
| Leonard Simpson | Direktur | 27 Okt. 2020 P | 16 | 0 | 0 | $0 |
| Dennis Beardslee | Direktur | 7 Feb. 2020 J | 19.012 | 0 | 0 | $0 |
| Jan E Fisher | Direktur | 8 April 2019 P | 19.706 | 0 | 0 | $0 |
| James E Towner | Direktur | 3 Jan. 2019 A | 23.848 | 0 | 0 | $0 |
| Edward H Owlett III | Direktur | 3 Jan. 2018 A | 13.275 | 0 | 0 | $0 |
| Bruce R Haner | Direktur | 3 Jan. 2018 A | 30.193 | 0 | 0 | $0 |
| Ann M Tyler | Direktur | 4 Jan. 2017 A | 6.248 | 0 | 0 | $0 |
| Raymond R Mattie | Direktur | 18 Feb. 2015 D | 21.880 | 0 | 0 | $0 |
| Edward L Learn | Direktur | 30 Juni 2012 D | 6.583 | 0 | 0 | $0 |
| Robert R Decamp | Direktur | 17 April 2009 J | 4.412 | 0 | 0 | $0 |
| Karl W Kroeck | Direktur | 18 April 2008 J | 1.661 | 0 | 0 | $0 |
| Leo F Lambert | · | 13 Feb. 2026 J | 44.549 | 0 | 0 | $0 |
Orang dalam dari pengajuan SEC Form 3/4/5; bersih = hanya P/S pasar terbuka
Kepemilikan ETF Dimiliki oleh 22 ETF
Bobot mencerminkan kepemilikan ekuitas langsung (N-PORT) saja; dana berbasis leverage atau derivatif mungkin memiliki eksposur swap tambahan yang tidak ditampilkan.
| Dana | Bobot | Unit | Per tanggal | Sumber |
|---|---|---|---|---|
| IWC · iShares Trust | 0,11% | 60.888 SH | 11 Sep. 2026 | Harian |
| VTWV · VANGUARD SCOTTSDALE FUNDS | 0,03% | 15.276 SH | 19 Agu 2026 | Harian |
| DFAT · Dimensional ETF Trust | 0,02% | 88.919 NS | 31 Juli 2026 | N-PORT |
| IWM · iShares Trust | 0,02% | 450.135 SH | 11 Sep. 2026 | Harian |
| RSSL · Global X Funds | 0,01% | 8.352 NS | 31 Juli 2026 | N-PORT |
| OMFS · Invesco Exchange-Traded Self-Indexe… | 0,01% | 1.474 SH | 2 Okt. 2026 | Harian |
| VTWO · VANGUARD SCOTTSDALE FUNDS | 0,01% | 101.163 SH | 19 Agu 2026 | Harian |
| DFAS · Dimensional ETF Trust | 0,01% | 58.957 NS | 31 Juli 2026 | N-PORT |
| DFSV · Dimensional ETF Trust | 0,01% | 20.511 NS | 31 Juli 2026 | N-PORT |
| PRFZ · Invesco Exchange-Traded Fund Trust | 0,01% | 5.429 SH | 2 Okt. 2026 | Harian |
| DXUV · Dimensional ETF Trust | 0,00% | 952 NS | 31 Juli 2026 | N-PORT |
| DFAC · Dimensional ETF Trust | 0,00% | 38.486 NS | 31 Juli 2026 | N-PORT |
| DCOR · Dimensional ETF Trust | 0,00% | 1.517 NS | 31 Juli 2026 | N-PORT |
| DFSU · Dimensional ETF Trust | 0,00% | 814 NS | 31 Juli 2026 | N-PORT |
| IWV · iShares Trust | 0,00% | 5.961 SH | 3 Sep. 2026 | Harian |
| DFAU · Dimensional ETF Trust | 0,00% | 2.799 NS | 31 Juli 2026 | N-PORT |
| DFUS · Dimensional ETF Trust | 0,00% | 1.810 NS | 31 Juli 2026 | N-PORT |
| VXF · VANGUARD INDEX FUNDS | 0,00% | 205.390 SH | 19 Agu 2026 | Harian |
| VTI · VANGUARD INDEX FUNDS | 0,00% | 540.305 SH | 19 Agu 2026 | Harian |
| VTHR · VANGUARD SCOTTSDALE FUNDS | 0,00% | 1.460 SH | 19 Agu 2026 | Harian |
| VFH · VANGUARD WORLD FUND | 0,00% | 28.100 SH | 19 Agu 2026 | Harian |
| IWN · iShares Trust | · | 181.488 SH | 11 Sep. 2026 | Harian |
CZNC Konsensus Analis Opini analis bullish dan bearish, target harga 12 bulan, potensi kenaikan
peringkat · 6 analis
JUAL
Target median
$27.00
+5,3%
0 0,0%
Beli Kuat
0 0,0%
Beli
3 50,0%
Tahan
1 16,7%
Jual
2 33,3%
Jual Kuat
Target Harga 12 Bulan
1 analis · 2026-10-01Target rata-rata $27.00 +5,3%
Rendah$27.00
Rata-rata$27.00
Tinggi$27.00
Perbandingan rekan (sub-industri GICS) Metrik utama vs rekan sektor
Dasar FY, harga per penutupan akhir tahun fiskal terakhir setiap perusahaan.
| Ticker | Kapitalisasi Pasar | P/E | Pendapatan YoY | Margin Bersih | ROE | Margin Kotor |
|---|---|---|---|---|---|---|
| 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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Sumber: SEC 10-Q diajukan Agu 7, 2026