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CZNC · Citizens & Northern Corp
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CZNC Citizens & Northern (CZNC) Insider Trading, Ownership & Congress Trades

Banks · State commercial banks · CIK 0000810958
Quote by TradingView
Cluster · 3 insiders
House members buying, 1 year
0
STOCK Act, US House only, disclosed up to 45 days after the trade
Funds added, last quarter
0
13F, latest reported quarter

What the filings say about CZNC

Insiders, 180 days
-$24.7K net sold
3 buyers · 2 sellers · 0% of sales under a 10b5-1 plan

Citizens & Northern insider trades (Form 4)

Form 4 buys and sells (codes P and S). Grants, option exercises and conversions excluded.

Over the last 180 days, CITIZENS & NORTHERN CORP insiders sold a net $24.7K of stock across 168 Form 4 purchases and sales, with 3 insiders buying. Source: SEC Form 4 filings, as of 2026-10-28.

Insider
Filed
Shares
Value
Since filing
Pellegrino Frank G
Director
BUY
2026-10-05 SECtraded 2026-10-02
245
$6.2K
+10.7%
Context
  • 64 earlier Form 4 trades (code P or S) here by this insider (64 buys), the last on Sep 4, 2026.
  • +5.3% median (+6.2% mean) 90-day return after 28 previous buys.
  • The trade is 0.5% of the 52,070 shares held after it.
  • 1 other insider bought within 30 days.
Insider activity: Director Pellegrino Frank G bought about $6.2K of CZNC under a 10b5-1 plan on Oct 2, 2026; 1 other insider bought within 30 days.
Shattuck Katherine W
Director
BUY
2026-10-05 SECtraded 2026-10-02
8
$204
+10.7%
Context
  • 47 earlier Form 4 trades (code P or S) here by this insider (47 buys), the last on Sep 4, 2026.
  • +5.3% median (+6.2% mean) 90-day return after 28 previous buys.
  • The trade is 0.1% of the 10,719 shares held after it.
  • 1 other insider bought within 30 days.
Insider activity: Director Shattuck Katherine W bought about $204 of CZNC under a 10b5-1 plan on Oct 2, 2026; 1 other insider bought within 30 days.
Shattuck Katherine W
Director
BUY
2026-09-08 SECtraded 2026-09-04
8
$209
+9.4%
Context
  • 46 earlier Form 4 trades (code P or S) here by this insider (46 buys), the last on Aug 7, 2026.
  • +5.0% median (+5.9% mean) 90-day return after 29 previous buys.
  • The trade is 0.1% of the 10,711 shares held after it.
  • 1 other insider bought within 30 days.
Insider activity: Director Shattuck Katherine W bought about $209 of CZNC under a 10b5-1 plan on Sep 4, 2026; 1 other insider bought within 30 days.
Pellegrino Frank G
Director
BUY
2026-09-08 SECtraded 2026-09-04
178
$4.7K
+9.4%
Context
  • 63 earlier Form 4 trades (code P or S) here by this insider (63 buys), the last on Aug 7, 2026.
  • +5.0% median (+5.9% mean) 90-day return after 29 previous buys.
  • The trade is 0.3% of the 51,825 shares held after it.
  • 1 other insider bought within 30 days.
Insider activity: Director Pellegrino Frank G bought about $4.7K of CZNC under a 10b5-1 plan on Sep 4, 2026; 1 other insider bought within 30 days.
Shattuck Katherine W
Director
BUY
2026-08-10 SECtraded 2026-08-07
8
$202
+10.0%
Context
  • 45 earlier Form 4 trades (code P or S) here by this insider (45 buys), the last on Jul 8, 2026.
  • +4.5% median (+5.6% mean) 90-day return after 30 previous buys.
  • The trade is 0.1% of the 10,601 shares held after it.
  • 1 other insider bought within 30 days.
Insider activity: Director Shattuck Katherine W bought about $202 of CZNC on Aug 7, 2026; 1 other insider bought within 30 days.
168 transactions on record
Since filing: total return from the first close after the filing to the latest close, dividend-adjusted. Not a forecast.
Context lines are counts over the filings above and returns from our own price history, never a price level. Not investment advice.
See all insider buying · insider selling
Showing the latest few. to see 163 more transactions and use the screener and CSV export. We store only your email; there is no password.
Seven facts, ranked against the sector · Rank is not a forecast
Insiders
net -$24.7K over 180 days
-$55.1K over 90 days
more than 65% of Banks
Congress
no House purchase disclosed in the last 12 months
Funds
under five funds report holding it
Revenue
no revenue reported in any filing
Margin
no margin: no revenue reported
Buybacks
no share repurchases reported
Short interest
1.9% of the float short (float per yahoo 2026-10-27) · 6.4 days to cover · settled 2026-10-15
below 60% of Banks
What changed in the last 30 days
Oct 5Director Pellegrino Frank G bought $6.2K under a 10b5-1 plan (Oct 2)
Why it matters
A 10b5-1 plan schedules trades months ahead, so this says little about what the insider thinks today.
Oct 5Director Shattuck Katherine W bought $204 under a 10b5-1 plan (Oct 2)
Why it matters
A 10b5-1 plan schedules trades months ahead, so this says little about what the insider thinks today.

Watch CZNC

A free account keeps a watchlist and can send one email a day when insiders, funds or Congress file on the names in it. No password and no card.

The year, with the filings on it
Total return over 12 months. Each marker is a filing; hover or tap one for the detail.
+53.9%12M
+0%+18%+36%+54%2025-102025-122026-022026-042026-062026-082026-10 2026-07-31 · Dorwart Stephen M sold $57.8K2026-05-13 · Lehman Terry L bought $20.8K2026-08-03 · Trate Christian C sold $14.1K2025-12-05 · Pellegrino Frank G bought $6.4K2026-10-02 · Pellegrino Frank G bought $6.2K2026-08-07 · Pellegrino Frank G bought $5.2K2026-05-08 · Pellegrino Frank G bought $5.2K2026-05-28 · Trate Christian C sold $4.8K2026-09-04 · Pellegrino Frank G bought $4.7K2026-07-08 · Pellegrino Frank G bought $4.6K2026-01-09 · Pellegrino Frank G bought $4.1K2026-06-05 · Pellegrino Frank G bought $4.1K2026-02-10 · Pellegrino Frank G bought $4.1K2026-03-06 · Pellegrino Frank G bought $4.1K2026-04-06 · Pellegrino Frank G bought $4.1K2025-11-07 · Pellegrino Frank G bought $4.1K2025-12-05 · Shattuck Katherine W bought $5912026-03-06 · Shattuck Katherine W bought $4612026-04-06 · Shattuck Katherine W bought $4512026-01-09 · Shattuck Katherine W bought $3872025-11-07 · Shattuck Katherine W bought $3832026-02-10 · Shattuck Katherine W bought $3722026-05-08 · Shattuck Katherine W bought $2182026-06-05 · Shattuck Katherine W bought $2142026-09-04 · Shattuck Katherine W bought $2092026-07-08 · Shattuck Katherine W bought $2072026-10-02 · Shattuck Katherine W bought $2042026-08-07 · Shattuck Katherine W bought $202
Insider buyInsider sell
Indexed to 100, dividend-adjusted, not a price chart. When a name files heavily, the largest trades are drawn first.

Who owns CZNC: institutional holders (13F)

13F holdings, latest reported quarter
SEC 13F
No reported 13F holders

No fund above the reporting threshold listed this stock last quarter. That is a fact, not missing data.

Congress trades in CZNC

No Congress trades reported
No House member has disclosed a trade in this stock. See what Congress is buying.

Activist and 5% holders (13D/13G)

No 5%+ ownership filings
Nobody has filed for crossing 5%. That is a fact, not missing data.

CZNC planned insider sales (Form 144)

No planned-sale notices
No insider has filed to sell. Watch this after a run-up.
Executive pay vs shareholder return · Mr. Scovill
CEO pay, headline and as actually paid, against the company's return and its chosen peers' (DEF 14A).
FY
CEO total
Actually paid
Other execs, avg
TSR
Peer TSR
2023
$1.2M
$1.2M
$478.5K
-3%
+7%
2022
$1.1M
$915.3K
$463.2K
-6%
+11%
2021
$1.1M
$1.2M
$475.5K
+2%
+32%
2020
$1.0M
$952.6K
$488.9K
-26%
-8%
Tagged by the company under SEC Item 402(v). Returns are cumulative from the start of the disclosure period. Green where the company beat its own peer group.
Live price
Daily candles from TradingView, under their licence. No filings marked.
Why this name is on the desk
3 insiders reported buying shares.
The record shows a net $24.7K sold by insiders over 180 days. Each figure is a federal filing, dated the day it went public.
Backtest this pattern Open the screener
Same sector, ranked by filing activity
Sector by SEC SIC code
UMBFBWFGPBPEBOFMBMGABCNEWTDCOMPCBISBAWSBFJMSB

CZNC financials

Ratios from the company's XBRL filings, latest filings
Revenue, TTM
n/a
fewer than four consecutive quarters of revenue filed
Net margin, TTM
n/a
needs four consecutive quarters of both revenue and net income
Free cash flow, TTM
$44.8M
operating cash flow minus capex, 2025-07-01 to 2026-06-30
Debt to equity
0.14x
long-term 2019-03-31 (88 months older than the period end) plus current 2026-06-30; equity 2026-06-30
Cash flow to debt
0.97x
TTM operating cash flow over long-term 2019-03-31 (88 months older than the period end) plus current 2026-06-30
Return on equity
+8.0%
TTM net income over average of 2025-06-30 and 2026-06-30
Return on assets
+0.9%
TTM net income over average of 2025-06-30 and 2026-06-30
Return on invested capital
n/a
fewer than four consecutive quarters of operating income
Return on capital employed
n/a
fewer than four consecutive quarters of operating income
P/E, trailing
n/a
fewer than four consecutive quarters of diluted EPS
Enterprise value
$469.8M
market value at close 2026-10-26 on 2026-08-03 shares, plus long-term 2019-03-31 (88 months older than the period end) plus current 2026-06-30, minus cash 2026-06-30
FCF yield
+8.9%
TTM free cash flow over market value at close 2026-10-26
PEG, trailing
n/a
fewer than four consecutive quarters of diluted EPS
Price as of 2026-10-26. Hover or tap a tile for its yearly and quarterly history.
Method
TTM is four consecutive fiscal quarters; Q4 is the year minus nine months when not filed. Returns use the average of opening and closing balances. EBIT is approximated by operating income. PEG uses trailing EPS growth.
Fundamentals
Annual figures from XBRL filings. Pick a past date to see them as known then.
2025-122024-122023-122022-12
Net income$23.4M$26.0M$24.1M$26.6M
EPS (diluted)n/a1.691.571.71
Operating cash flow$32.0M$33.0M$33.5M$34.6M
Cash$46.1M$126.2M$56.9M$55.0M
Dividends paid$16.3M$15.5M$15.6M$15.9M
SEC XBRL, fiscal years, as known on 2026-10-28

CZNC Stock Sonar score 4/7 axes

Find similar shapesCompare

CZNC ranks highest on insider conviction (72nd percentile) and financial health (69th), and lowest on profitability (31st), among Banks peers.

Profitability
31
Inputs
  • Return on equity+8.0% · 30 pct, sector of 327
  • Return on assets+0.9% · 31 pct, sector of 334
  • Return on invested capitalfewer than four consecutive quarters of operating income
  • Return on capital employedfewer than four consecutive quarters of operating income
Financial health
69
Inputs
  • Debt to equity0.14x · 64 pct, sector of 229
  • Cash flow to debt0.97x · 74 pct, sector of 198
Insider conviction
72
Inputs
  • Net Form 4 buying (codes P and S), 180d-$36K · 64 pct, sector of 273
  • Insider buyers, 180d3 · 79 pct, sector of 273
Risk and compliance
62
Inputs
  • Short interest, % of float+1.9% · 62 pct, sector of 374
  • Recalls per $1B revenue, 3yrevenue under $50M or not filed, so a count cannot be scaled to size
  • EPA cases per $1B revenue, 5yrevenue under $50M or not filed, so a count cannot be scaled to size
  • New text in Risk Factors, latest 10-Kneeds two 10-Ks with a Risk Factors section (not 20-F filers or stubs)
3 not measured: Growth, Institutional and government, US patents
  • Growth needs 1 of 2 inputs, 0 present: no backlog line filed, or no year-earlier backlog; no revenue for this year and the year before
  • Institutional and government needs 1 of 4 inputs, 0 present: fewer than five funds report holding it; no Congress trades in 365 days; no federal contracts in 180 days; no lobbying filings in the last four quarters
  • US patents needs 1 of 2 inputs, 0 present: patent data not loaded yet

4 of 7 axes scored. Each is a percentile against sector peers (all companies when the sector is thin); higher is better. An unscored axis is unmeasured, not low. How it is scored

CZNC filings, in plain words

Are Citizens & Northern insiders buying or selling CZNC?

In the 180 days to 2026-10-28, Citizens & Northern insiders were net sellers, a net $24.7K: $52.0K of purchases and $76.7K of sales reported on Form 4, by 3 buyers and 2 sellers.

Read the full summary

In the 180 days to 2026-10-28, Citizens & Northern insiders were net sellers of CZNC, a net $24.7K across purchases and sales reported on Form 4 by 3 buyers and 2 sellers. 2 different insiders reported purchases within the last 90 days, a cluster buy, which is rarer than a single purchase. None of the 3 insider sales was flagged as made under a Rule 10b5-1 plan. Each figure is counted from SEC and House filings as of 2026-10-28, dated the day the filing was made public.

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