CITIZENS & NORTHERN CORP(CZNC)Stock Analysis
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Pending next ranking run
This company passes all size and coverage filters but hasn't been included in the latest quarterly ranking run. Rankings refresh on Jan 1, Apr 1, Jul 1, Oct 1.
Financial data, filings, and institutional holdings below are still tracked in full — only the proprietary quality composite is unavailable for this name.
CZNC Stock Analysis & AI Quality Score
AI stock analysis and institutional research for CITIZENS & NORTHERN CORP (CZNC), a Financials sector company. CZNC is not currently included in 13F Pro's AI-ranked quality universe — this company passes all size and coverage filters but hasn't been included in the latest quarterly ranking run. rankings refresh on jan 1, apr 1, jul 1, oct 1. Based on the latest XBRL financial filings (Q4 2025), CITIZENS & NORTHERN CORP reports net income of $4.5M, free cash flow of $10.1M. 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.
Net Income
Q4 2025
$4.5M
Free Cash Flow
Q4 2025
$10.1M
D/E Ratio
Q4 2025
0.08
Revenue & Net Income
Earnings Per Share
Key Financials Over Time
Export Financial Table · Pro+Net Income
-9.8% YoYEPS (Diluted)
Total Assets
+20.0% YoYTotal Debt
+1050.2% YoYOp. Cash Flow
-3.1% YoY| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2020 | FY 2019 | FY 2018 |
|---|---|---|---|---|---|---|
| Net Income | $23.4M -9.8% | $26.0M +7.5% | $24.1M +25.6% | $19.2M -1.4% | $19.5M -11.4% | $22.0M |
| EPS (Diluted) | — | $1.69 +7.6% | $1.57 +20.8% | $1.30 -11.0% | $1.46 -18.4% | $1.79 |
| Total Assets | $3.13B +20.0% | $2.61B +3.8% | $2.52B +12.3% | $2.24B +35.4% | $1.65B +28.1% | $1.29B |
| Total Debt | $28.6M +1050.2% | $2.5M -92.7% | $33.9M +69.2% | $20.0M -76.8% | $86.2M +76.8% | $48.8M |
| Operating Cash Flow | $32.0M -3.1% | $33.0M -1.5% | $33.5M +35.4% | $24.8M +10.3% | $22.5M -13.3% | $25.9M |
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Available Research
13F Pro tracks comprehensive data for CITIZENS & NORTHERN CORP including:
Top Institutional Holders of CZNC
BlackRock, Inc.
$26.5M1,187,915 shVANGUARD CAPITAL MANAGEMENT LLC
$16.2M725,119 shDIMENSIONAL FUND ADVISORS LP
$13.9M620,287 shGEODE CAPITAL MANAGEMENT, LLC
$9.4M420,501 shCITIZENS & NORTHERN CORP
$8.0M359,853 shSTATE STREET CORP
$7.5M335,364 shNORTHERN TRUST CORP
$3.1M137,974 shVANGUARD FIDUCIARY TRUST CO
$2.7M119,239 shBank of New York Mellon Corp
$2.6M114,715 shPENNSYLVANIA CAPITAL MANAGEMENT INC /ADV
$2.2M99,967 sh
| Fund | Value | Shares |
|---|---|---|
| BlackRock, Inc. | $26.5M | 1,187,915 |
| VANGUARD CAPITAL MANAGEMENT LLC | $16.2M | 725,119 |
| DIMENSIONAL FUND ADVISORS LP | $13.9M | 620,287 |
| GEODE CAPITAL MANAGEMENT, LLC | $9.4M | 420,501 |
| CITIZENS & NORTHERN CORP | $8.0M | 359,853 |
| STATE STREET CORP | $7.5M | 335,364 |
| NORTHERN TRUST CORP | $3.1M | 137,974 |
| VANGUARD FIDUCIARY TRUST CO | $2.7M | 119,239 |
| Bank of New York Mellon Corp | $2.6M | 114,715 |
| PENNSYLVANIA CAPITAL MANAGEMENT INC /ADV | $2.2M | 99,967 |
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Popular Research
Is CZNC a good stock to buy?
13F Pro's AI-powered analysis of CITIZENS & NORTHERN CORP (CZNC) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for CZNC are available on the CZNC stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.
Which hedge funds own CZNC?
Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling CZNC. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of CITIZENS & NORTHERN CORP's investment landscape.