Citizens & Northern Corporation
Citizens & Northern Corporation (Nasdaq: CZNC) is a bank holding company whose principal business is community banking through its largest subsidiary, Citizens & Northern Bank. The bank serves personal and commercial customers with deposit and loan products, and provides trust, retirement, estate-planning and… From the company’s description.
Over the twelve months to Sep 30, 2026, Citizens & Northern Corporation reported revenue of $152.50M, up 33.9% from a year earlier, and net income of $35.08M. Its pre-tax margin was 28.6%. In fiscal 2025, it reported revenue of $122.70M, up 13.3% from fiscal 2024, and net income of $23.43M.
Margins and return on equity change in ; everything else in percent. Fewer shares and less debt are shown plainly, not as bad news — it depends what you make of buybacks. Dotted labels explain each measure. is shown separately from the annual figures.
What Citizens & Northern Corporation does
In the company’s own words
Citizens & Northern Corporation (Nasdaq: CZNC) is a bank holding company whose principal business is community banking through its largest subsidiary, Citizens & Northern Bank. The bank serves personal and commercial customers with deposit and loan products, and provides trust, retirement, estate-planning and asset-management services, along with insurance and investment products through C&N Financial Services. It also reinsures certain credit, mortgage-life and accident-and-health insurance through Bucktail Life Insurance Company. The corporation operates across Pennsylvania and parts of New York, with 35 branch offices at December 31, 2025. Its expansion includes the 2025 merger with Susquehanna Community Financial and earlier acquisitions of Covenant Financial and Monument Bancorp. At year-end 2025, the corporation had $3.1 billion in total assets, while its bank reported $2.6 billion in deposits. The corporation also has a wholly owned investment subsidiary and a subsidiary that holds real estate acquired through foreclosure. Its website is www.cnbankpa.com.
Company details
- Sector
- Financials
- Industry (SIC)
- Banks & Brokers
- Headquarters
- WELLSBORO, PA
- Fiscal year end
- December
- CIK
- 810958
- SIC
- 6022
Financial performance, year by year
Fiscal 2011–2025 · USDThe full income statement, balance sheet and cash flow for each of these years — every figure traceable to its filing — is on the Financials tab with a free account.
Who owns Citizens & Northern Corporation — and what changed
Funds as of 2026Q2 · superinvestors as of 2026-06-30
Largest fund holders · Citizens & Northern Corporation’s weight in each
Fund ownership is a floor, not a census — pensions, insurers and people holding shares directly are not visible here.
Fund ownership counts N-PORT filers only, so it is a floor rather than a census — pensions, insurers and direct holders are not visible here, and the remainder is not “held by individuals”.
Could not be determined for this company: bond issues.
Every fund and institutional holder, quarter by quarter, is on the Ownership tab with a free account.
Recent filings
All filings →Each filing opens into its own statements and disclosures here.
Put this business in context.
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