13F Pro quality score
Rank #1,362 of 2,925TOP 50%
Rankings refresh quarterly once 80% of peers have filed. Next update: ~Nov 14, 2026.
Reported revenue, net income and operating margin by fiscal year, from CITIZENS & NORTHERN CORP's annual filings on SEC EDGAR.
| Period | Form | Revenue | Net income | Op. marginOperating margin |
|---|---|---|---|---|
| FY 2025 | 10-K | $122.7M | $23.4M | 23.3% |
| FY 2024 | 10-K | $108.3M | $26.0M | 29.4% |
| FY 2023 | 10-K | $104.8M | $24.1M | 29.1% |
| FY 2022 | 10-K | $107.6M | $26.6M | 30.1% |
| FY 2021 | 10-K | $103.8M | $30.6M | 36.3% |
| FY 2020 | 10-K | $92.1M | $19.2M | 25.2% |
Ranked by quality-factor profile and overlapping institutional ownership, from the latest 13F filings and SEC financials.
Officers, directors and 10% owners with a Form 4 filed in the last 24 months, most recent first. From SEC EDGAR.
CITIZENS & NORTHERN CORP (CZNC) stock profile, AI quality score, and SEC EDGAR financial data, a Financials sector company. 13F Pro's AI-powered ranking engine scores CZNC at 54.0/100 on a composite quality score built from its SEC filings, placing it at rank #1,362 of 2,925 stocks — the top half of the AI-ranked universe. CZNC scores in the top quartile across free cash flow (85.6), revenue growth (76.4). Areas of concern include revenue scale (20.2), which score below median versus the broader universe. Based on the latest XBRL financial filings (Q2 2026), CITIZENS & NORTHERN CORP reports quarterly revenue of $39.4M, net income of $14.1M, an operating margin of 44.2%. Top institutional holders of CZNC by reported 13-F value include BlackRock, VANGUARD CAPITAL MANAGEMENT, DIMENSIONAL FUND ADVISORS, based on the most recent SEC filings. CZNC trades on the Nasdaq exchange and files with the SEC under CIK 810958. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate CZNC daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for CITIZENS & NORTHERN CORP directly from SEC EDGAR.
Financials through the period ended SEC EDGAR: CIK 810958 →