CITIZENS & NORTHERN CORP CZNC
Nasdaq · XNAS · stock · State Commercial Banks
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3/9
Piotroski F — financial health
—
Altman Z″ — distress risk
69.5%
Dividend payout · stretched
Financials (annual, from 10-K)
| FY | Revenue | Net income | Gross profit | Free cash flow | Equity |
|---|---|---|---|---|---|
| 2025 | — | $23.4M | — | $30.1M | $341.7M |
| 2024 | — | $26.0M | — | $31.1M | $275.3M |
| 2023 | — | $24.1M | — | $31.3M | $262.4M |
| 2022 | — | $26.6M | — | $31.3M | $249.3M |
| 2021 | — | $30.6M | — | $33.0M | $301.4M |
| 2020 | — | $19.2M | — | $21.6M | $299.8M |
Recent insider activity (Form 4)
| Insider | Role | Date | Action | Shares | Price |
|---|---|---|---|---|---|
| Van Sant William F III | EVP, CHIEF WEALTH OFFICER | 2026-06-19 | Grant | 6,861 | $21.86 |
| Shattuck Katherine W | director | 2026-06-05 | Buy | 10 | $21.44 |
| Pellegrino Frank G | director | 2026-06-05 | Buy | 190 | $21.44 |
| Trate Christian C | director | 2026-05-28 | Sell | 229 | $21.10 |
| Hoose Harold F III | EXEC. VP | 2026-05-20 | J | 222 | $20.80 |
| RUDY THOMAS L JR | EXEC. VP | 2026-05-20 | J | 194 | $20.80 |
| REBER JOHN M | EXEC. VP | 2026-05-20 | J | 134 | $20.80 |
| James Glenn Richard | EVP COUNSEL, CORP SECRETARY | 2026-05-20 | J | 5 | $20.80 |
Why these scores methodology →
Piotroski F-score: 3/9
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Altman Z″: n/a
Not applicable (financials/insurer or missing inputs).
Source: SEC EDGAR filings · CIK 0000810958 · as of 2025-12-31. Figures are facts from filings plus Stocktoria's own computed scores — not investment advice.