CITIZENS & NORTHERN CORP(CZNC)Stock Analysis
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Rank #1,440 of 2,962 stocksTOP 50%
Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Nov 14, 2026.
Revenue Growth
Profitability
Balance Sheet
Earnings Quality
Free Cash Flow
Institutional Flow
Revenue Scale
Dilution Risk
CZNC Stock Analysis & AI Quality Score
Data updated 2026-09-11AI stock analysis and institutional research for CITIZENS & NORTHERN CORP (CZNC), a Financials sector company. 13F Pro's AI-powered ranking engine scores CZNC at 52.7/100 on a 32-signal composite quality model, placing it at rank #1,440 of 2,962 stocks — the top half of the AI-ranked universe. CZNC scores in the top quartile across free cash flow (85.2), earnings quality (75.3). Areas of concern include revenue scale (19.7), 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, free cash flow of $15.3M. 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. CITIZENS & NORTHERN CORP's 13F Pro composite quality score has ranged between 34 and 53 since 2026, currently 52.7 — an improving long-term trajectory across 8 quarterly and live scoring snapshots.
Revenue
Q2 2026
$39.4M
Net Income
Q2 2026
$14.1M
Free Cash Flow
Q2 2026
$15.3M
ROIC
Q2 2026
19.3%
D/E Ratio
Q2 2026
0.04
Revenue & Net Income
Earnings Per Share
Key Financials Over Time
Export Financial Table · ProRevenue
+13.3% YoYNet Income
-9.8% YoYEPS (Diluted)
Total Assets
+20.0% YoYTotal Debt
+1050.2% YoYOp. Cash Flow
-3.1% YoYFree Cash Flow
-3.3% YoY| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Revenue | $122.7M +13.3% | $108.3M +3.3% | $104.8M -2.6% | $107.6M +3.6% | $103.8M +12.8% | $92.1M |
| Net Income | $23.4M -9.8% | $26.0M +7.5% | $24.1M -9.3% | $26.6M -12.9% | $30.6M +59.0% | $19.2M |
| EPS (Diluted) | — | $1.69 +7.6% | $1.57 -8.2% | $1.71 -10.9% | $1.92 +47.7% | $1.30 |
| Total Assets | $3.13B +20.0% | $2.61B +3.8% | $2.52B +2.5% | $2.45B +5.4% | $2.33B +4.0% | $2.24B |
| Total Debt | $28.6M +1050.2% | $2.5M -92.7% | $33.9M -57.7% | $80.1M +4340.5% | $1.8M -91.0% | $20.0M |
| Operating Cash Flow | $32.0M -3.1% | $33.0M -1.5% | $33.5M -3.0% | $34.6M -0.7% | $34.8M +40.6% | $24.8M |
| Free Cash Flow | $30.1M -3.3% | $31.1M -0.5% | $31.3M -0.1% | $31.3M -5.1% | $33.0M +52.4% | $21.6M |
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Top Institutional Holders of CZNC
BlackRock, Inc.
$31.7M1,359,308 shVANGUARD CAPITAL MANAGEMENT LLC
$17.8M761,655 shDIMENSIONAL FUND ADVISORS LP
$14.9M637,124 shGEODE CAPITAL MANAGEMENT, LLC
$10.5M451,355 shCITIZENS & NORTHERN CORP
$8.1M349,492 shSTATE STREET CORP
$7.9M337,931 shNORTHERN TRUST CORP
$3.5M149,961 shVANGUARD PORTFOLIO MANAGEMENT LLC
$3.4M145,999 shBank of New York Mellon Corp
$2.9M122,662 shVANGUARD FIDUCIARY TRUST CO
$2.8M120,612 sh
| Fund | Value | Shares |
|---|---|---|
| BlackRock, Inc. | $31.7M | 1,359,308 |
| VANGUARD CAPITAL MANAGEMENT LLC | $17.8M | 761,655 |
| DIMENSIONAL FUND ADVISORS LP | $14.9M | 637,124 |
| GEODE CAPITAL MANAGEMENT, LLC | $10.5M | 451,355 |
| CITIZENS & NORTHERN CORP | $8.1M | 349,492 |
| STATE STREET CORP | $7.9M | 337,931 |
| NORTHERN TRUST CORP | $3.5M | 149,961 |
| VANGUARD PORTFOLIO MANAGEMENT LLC | $3.4M | 145,999 |
| Bank of New York Mellon Corp | $2.9M | 122,662 |
| VANGUARD FIDUCIARY TRUST CO | $2.8M | 120,612 |
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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. CZNC is classified as a small company.
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.