Citizens &Amp; Northern CORP (CZNC) — SEC Filings

Q: What are the key financial highlights for Citizens &Amp; Northern CORP?

Key financial highlights for Citizens &Amp; Northern CORP are extracted from the most recent 10-K or 10-Q filings, including revenue, net income, EPS, debt-to-equity, cash position, and operating margin.

Q: Who are the key executives at Citizens &Amp; Northern CORP?

Key executives at Citizens &Amp; Northern CORP are identified from SEC filings including 10-K annual reports, proxy statements, and insider trade forms.

Q: What are the main risk factors for Citizens &Amp; Northern CORP stock?

Risk factors for Citizens &Amp; Northern CORP (CZNC) are assessed from SEC filings using AI analysis. Each filing is categorized as high, medium, or low risk based on disclosed risk factors and financial indicators.

Q: What are recent predictions and forward guidance from Citizens &Amp; Northern CORP?

Forward-looking statements and predictions from Citizens &Amp; Northern CORP are extracted from SEC filings including earnings reports, annual reports, and current event filings.

Latest SEC filings for Citizens &Amp; Northern CORP. Recent 8-K filing on Apr 23, 2026. AI-decoded analysis of earnings, risk factors, and insider trades.

View Citizens &Amp; Northern CORP on SEC EDGAR

Overview

Citizens &Amp; Northern CORP (CZNC) is a publicly traded company tracked on ReadTheFiling. The most recent enriched filing is a 8-K filed on Apr 23, 2026: Citizens & Northern Corp. filed an 8-K on April 23, 2026, reporting other events and financial statements/exhibits. The filing includes an iXBRL 8-K document and exhibits such as EX-99 and graphic files, along with XBRL data files.

Sentiment Summary

Across 40 filings, the sentiment breakdown is: 38 neutral, 2 mixed. The dominant filing sentiment for Citizens &Amp; Northern CORP is neutral.

Filing Type Overview

Citizens &Amp; Northern CORP (CZNC) has filed 18 8-K, 1 8-K/A, 6 10-Q, 8 13F-HR, 2 DEF 14A, 2 10-K, 3 SC 13G/A with the SEC between Jan 2024 to Apr 2026.

Filings by Year

2026 · 2025 · 2024

Recent Filings (40)

Citizens & Northern Corp. Files 8-K — 8-K · Apr 23, 2026 Risk: low
Citizens & Northern Corp. filed an 8-K on April 23, 2026, reporting other events and financial statements/exhibits. The filing includes an iXBRL 8-K document an
Citizens & Northern Corp Files 8-K/A Amendment — 8-K/A · Dec 11, 2025 Risk: low
Citizens & Northern Corporation filed an amendment (8-K/A) on December 11, 2025, to its report originally dated October 1, 2025. This amendment pertains to fina
Citizens & Northern Posts Q3 Net Income Rise Amidst Loan Growth — 10-Q · Nov 7, 2025 Risk: medium
CITIZENS & NORTHERN CORP reported a net income of $6.551 million for the three months ended September 30, 2025, a 2.9% increase from $6.365 million in the same
13F-HR Filing — 13F-HR · Oct 24, 2025
Citizens & Northern Corp Files 8-K on Financials — 8-K · Oct 23, 2025 Risk: low
Citizens & Northern Corporation filed an 8-K on October 23, 2025, reporting on its results of operations and financial condition. The filing includes financial
Citizens & Northern Corp. Completes Acquisition, Announces Officer Changes — 8-K · Oct 1, 2025 Risk: medium
Citizens & Northern Corp. announced on October 1, 2025, the completion of an acquisition. The filing also disclosed the departure of a director and the appointm
Citizens & Northern Corp Files 8-K — 8-K · Sep 22, 2025 Risk: low
Citizens & Northern Corporation filed an 8-K on September 22, 2025, reporting other events and financial statements. The filing details the company's principal
Citizens & Northern Corp Files 8-K on Officer Changes — 8-K · Sep 10, 2025 Risk: low
Citizens & Northern Corporation filed an 8-K on September 8, 2025, reporting changes in directors and officers, and the appointment of certain officers. The fil
Citizens & Northern Maintains Capital Stability in Q2 — 10-Q · Aug 8, 2025 Risk: low
CITIZENS & NORTHERN CORP (CZNC) filed its 10-Q for the quarter ended June 30, 2025, indicating a period of stable financial positioning. While specific revenue
13F-HR Filing — 13F-HR · Jul 30, 2025
Citizens & Northern Corp Files 8-K on Financials — 8-K · Jul 24, 2025 Risk: low
Citizens & Northern Corporation filed an 8-K on July 24, 2025, reporting on its results of operations and financial condition. The filing includes financial sta
Citizens & Northern Corp Q1 2025 10-Q Filed — 10-Q · May 9, 2025 Risk: low
Citizens & Northern Corp filed its 10-Q for the period ending March 31, 2025. The filing details the company's financial position, including retained earnings,
Citizens & Northern Corp Files 8-K — 8-K · Apr 28, 2025 Risk: low
Citizens & Northern Corporation filed an 8-K on April 28, 2025, reporting on matters submitted to a vote of security holders and financial statements as of Apri
Citizens & Northern Corp Files 8-K on Financials — 8-K · Apr 23, 2025 Risk: low
Citizens & Northern Corporation filed an 8-K on April 23, 2025, reporting on its results of operations and financial condition. The filing includes financial st
13F-HR Filing — 13F-HR · Apr 21, 2025
Citizens & Northern Corp Files 2025 Proxy Statement — DEF 14A · Mar 14, 2025 Risk: low
Citizens & Northern Corp filed a DEF 14A proxy statement on March 14, 2025, for its annual meeting on April 24, 2025. The filing concerns the company's corporat
Citizens & Northern Corp. Files 2024 Annual Report — 10-K · Mar 6, 2025 Risk: low
Citizens & Northern Corp. filed its 2024 10-K on March 6, 2025, reporting its financial performance for the fiscal year ending December 31, 2024. The filing det
13F-HR Filing — 13F-HR · Jan 31, 2025
Citizens & Northern Corp Files 8-K on Financials — 8-K · Jan 23, 2025 Risk: low
Citizens & Northern Corporation filed an 8-K on January 23, 2025, reporting on its Results of Operations and Financial Condition, as well as Financial Statement
SC 13G/A Filing — SC 13G/A · Nov 12, 2024
Citizens & Northern Corp Q3 2024 Financial Update — 10-Q · Nov 6, 2024 Risk: low
Citizens & Northern Corp filed its 10-Q for the period ending September 30, 2024. The filing details the company's financial position, including its retained ea
13F-HR Filing — 13F-HR · Nov 4, 2024
SC 13G/A Filing — SC 13G/A · Nov 4, 2024
Citizens & Northern Corp Files 8-K on Financials — 8-K · Oct 17, 2024 Risk: low
Citizens & Northern Corporation filed an 8-K on October 17, 2024, reporting on its results of operations and financial condition. The filing includes financial
Citizens & Northern Corp. Files Q2 2024 10-Q — 10-Q · Aug 7, 2024 Risk: low
Citizens & Northern Corp. filed its 10-Q for the period ending June 30, 2024. The filing details financial performance and position for the second quarter. Key
Citizens & Northern Corp Announces Board and Officer Changes — 8-K · Jul 31, 2024 Risk: low
Citizens & Northern Corporation announced on July 30, 2024, changes in its board of directors and officer appointments. The filing details the departure of a di
13F-HR Filing — 13F-HR · Jul 30, 2024
Citizens & Northern Corp Files 8-K on Financials — 8-K · Jul 18, 2024 Risk: low
Citizens & Northern Corporation filed an 8-K on July 18, 2024, reporting on its results of operations and financial condition. The filing includes financial sta
Citizens & Northern Corp. Enters Material Definitive Agreement — 8-K · May 28, 2024 Risk: medium
Citizens & Northern Corp. announced on May 22, 2024, that it entered into a material definitive agreement. The company, incorporated in Pennsylvania, filed this
Citizens & Northern Corp. Appoints New Auditor — 8-K · May 14, 2024 Risk: low
Citizens & Northern Corp. (CZNC) announced on May 10, 2024, that it has appointed PricewaterhouseCoopers LLP as its new independent registered public accounting
13F-HR Filing — 13F-HR · May 13, 2024
Citizens & Northern Corp Files 10-Q for Period Ending March 31, 2024 — 10-Q · May 7, 2024 Risk: low
CITIZENS & NORTHERN CORP (CZNC) filed a Quarterly Report (10-Q) with the SEC on May 7, 2024. Citizens & Northern Corp filed a 10-Q report for the period ending
Citizens & Northern Corp Files 8-K on Shareholder Votes & Financials — 8-K · Apr 30, 2024 Risk: low
Citizens & Northern Corporation filed an 8-K on April 30, 2024, reporting on matters submitted to a vote of security holders and financial statements as of Apri
Citizens & Northern Corp Files 8-K on Financials — 8-K · Apr 25, 2024 Risk: low
Citizens & Northern Corporation filed an 8-K on April 25, 2024, reporting on its results of operations and financial condition. The filing includes financial st
Citizens & Northern Corp. Announces Annual Meeting of Shareholders on April 25, 2024 — DEF 14A · Mar 15, 2024 Risk: low
CITIZENS & NORTHERN CORP (CZNC) filed a Proxy Statement (DEF 14A) with the SEC on March 15, 2024. Annual meeting of shareholders for Citizens & Northern Corpora
Citizens & Northern Corp. Files 2023 10-K — 10-K · Mar 11, 2024 Risk: low
Citizens & Northern Corp. filed its 2023 10-K on March 11, 2024, reporting its financial performance for the fiscal year ending December 31, 2023. The company,
Citizens & Northern Corp Reveals Diversified $50M+ Equity Portfolio — 13F-HR · Feb 9, 2024 Risk: low
Citizens & Northern Corp, a Pennsylvania-based state commercial bank, filed its 13F-HR report on February 9, 2024, detailing its equity holdings as of December
BlackRock Cuts Citizens & Northern Stake to 7.0% — SC 13G/A · Jan 26, 2024
BlackRock Inc. filed an amended SC 13G/A on January 26, 2024, disclosing its ownership in Citizens & Northern Corp. As of December 31, 2023, BlackRock reported
Citizens & Northern Files 8-K on Financial Condition — 8-K · Jan 18, 2024
Citizens & Northern Corporation filed an 8-K on January 18, 2024, to report on its 'Results of Operations and Financial Condition' and 'Financial Statements and
Citizens & Northern Files 8-K on Dec 14 Event; CZNC on Nasdaq — 8-K · Jan 4, 2024
Citizens & Northern Corporation filed an 8-K on January 4, 2024, reporting an "Other Event" that occurred on December 14, 2023. While the filing itself doesn't

Risk Profile

Risk Assessment: Of CZNC's 28 recent filings, 0 were flagged as high-risk, 3 as medium-risk, and 25 as low-risk. The overall risk profile suggests relatively low risk with generally favorable filings.

Financial Highlights

Key financial metrics from Citizens &Amp; Northern CORP's most recent 10-Q filing (Nov 7, 2025):

Revenue: $29,567,000
Net Income: $6,551,000
EPS: $0.42
Debt-to-Equity: N/A
Cash Position: $123,090,000
Operating Margin: N/A
Total Assets: $2,664,033,000
Total Debt: $179,335,000

Key Executives

Mark A. Hughes

Industry Context

Citizens & Northern Corp operates within the community banking sector, characterized by a focus on local markets and relationship-based lending. The industry is currently navigating a complex environment with evolving regulatory landscapes and persistent interest rate sensitivity. Competition remains robust from both traditional banks and newer fintech entrants, necessitating a strong focus on operational efficiency and customer service.

Top Tags

financials (8) · financial-reporting (8) · 8-K (7) · 8-k (5) · corporate-governance (5) · 10-Q (3) · commercial-bank (3) · amendment (2) · Regional Banking (2) · officer-changes (2)

Key Numbers

SEC Accession Number: 0001104659-26-047559 — Unique identifier for the filing
Net Income (Q3 2025): $6.551M — Increased 2.9% from $6.365M in Q3 2024
Net Income (9M 2025): $18.961M — Increased 6.6% from $17.784M in 9M 2024
Total Assets (Sept 30, 2025): $2.664B — Increased from $2.611B at Dec 31, 2024
Loans Receivable (Sept 30, 2025): $1.945B — Increased from $1.896B at Dec 31, 2024
Allowance for Credit Losses (Sept 30, 2025): $23.474M — Increased from $20.035M at Dec 31, 2024
Provision for Credit Losses (Q3 2025): $2.163M — Increased 79.2% from $1.207M in Q3 2024
Net Interest Income (Q3 2025): $22.263M — Increased 10.5% from $20.156M in Q3 2024
Total Deposits (Sept 30, 2025): $2.166B — Increased from $2.094B at Dec 31, 2024
EPS - Basic and Diluted (Q3 2025): $0.42 — Increased from $0.41 in Q3 2024
ZIP Code: 16901 — Principal executive offices
Telephone Number: (570) 724-3411 — Registrant's telephone number
Commission File Number: 0-16084 — Identifies the company's SEC filing history.
IRS Employer Ident. No.: 23-2451943 — Company's tax identification number.
End of current reporting period: 2025-06-30 — The date for which the 10-Q financial data is primarily reported.

Forward-Looking Statements

{"claim":"Citizens & Northern Corp will continue to favor large-cap technology stocks and diversified ETFs in its future investment strategies.","entity":"CITIZENS & NORTHERN CORP","targetDate":"20241231","confidence":"medium"}

Related Companies

CZN · CNB

Frequently Asked Questions

What are the latest SEC filings for Citizens &Amp; Northern CORP (CZNC)?

Citizens &Amp; Northern CORP has 40 recent SEC filings from Jan 2024 to Apr 2026, including 18 8-K, 8 13F-HR, 6 10-Q. Each filing includes an AI-generated plain-English summary.

What is the overall sentiment of CZNC filings?

Across 40 filings, the sentiment breakdown is: 38 neutral, 2 mixed. The dominant sentiment is neutral.

Where can I find Citizens &Amp; Northern CORP SEC filings explained simply?

ReadTheFiling provides AI-powered plain-English summaries of all Citizens &Amp; Northern CORP (CZNC) SEC filings, including 10-K annual reports, 10-Q quarterly reports, 8-K current reports, and insider trades.

What are the key financial highlights for Citizens &Amp; Northern CORP?

Key financial highlights from Citizens &Amp; Northern CORP's most recent 10-Q include metrics such as revenue, net income, EPS, and debt ratios. Visit the filing detail page for the full breakdown.

What is the investment thesis for CZNC?

The investment thesis for CZNC includes bull, base, and bear case scenarios derived from AI analysis of recent SEC filings.

Who are the key executives at Citizens &Amp; Northern CORP?

Key executives identified across Citizens &Amp; Northern CORP's filings include Mark A. Hughes.

What are the main risk factors for Citizens &Amp; Northern CORP stock?

Of CZNC's 28 assessed filings, 0 were flagged high-risk, 3 medium-risk, and 25 low-risk.

What are recent predictions and forward guidance from Citizens &Amp; Northern CORP?

Recent forward-looking statements from Citizens &Amp; Northern CORP include guidance on {"claim":"Citizens & Northern Corp will continue to favor large-cap technology stocks and diversified ETFs in its future.