OakChart

Citizens & Northern Corp

CZNCFinancial·Banks - Regional·USA·Small·NASD·Nov 11 • 3:59 PM ET

28.15-0.27 (-0.95%)
2026-11-12 05:30 CET
Market cap
505.31 USD m
Revenue, TTM
- USD m
Net income, TTM
35.05 USD m
Free cash flow, TTM
51.27 USD m
EPS diluted, TTM
1.97
P/E
14.27
Compare

Price

CZNC against its 20, 50 and 200-day averages
2050200beat
20.0022.5025.0027.50229K458KVolumeMay 26Jun 26Jul 26Aug 26Sep 26Oct 26Nov 26CZNCclose 28.1520-day 27.3750-day 26.30200-day 23.8328.1552w high

3.8% under the 52-week high of 29.25 on 5 Nov 2026. 52-week low 18.87 on 17 Nov 2025. Last 15 sessions, 14.1% high to low

Volume 0.59× normal · the line is the 50-bar volume average

Profile

CZNC
52-week range, 89% of the way up
18.8729.25

Citizens & Northern Corp. is a holding company, which engages in community banking. It provides a full range of banking and mortgage services to individual and corporate customers in North Central Pennsylvania and Southern New York State. The firm's lending products include mortgage loans, commercial loans, and consumer loans. Its deposit products include various types of checking accounts, passbook and statement savings, money market accounts, interest checking accounts, individual retirement accounts, and certificates of deposit. The company was founded in 1864 and is headquartered in Wellsboro, PA.

IndexRUT
Employees460
IPOApr 05, 1994
Beta0.38
ATR, 14d0.69
Rel volume0.59
Short float1.63%
Insider own5.34%
Inst own34.18%

Snapshot

6 groups

Valuation

IndexRUT
Market Cap505.30M
Enterprise Value-
Income35.05M
Sales201.61M
Book/sh19.13
Cash/sh-
Dividend Est.-
Dividend TTM1.14 (4.05%)
Dividend Ex-DateNov 02, 2026
Dividend Gr. 3/5Y0.00% 0.73%
Payout76.85%
Employees460
IPOApr 05, 1994

Ratios

P/E14.27
Forward P/E10.24
PEG-
P/S2.51
P/B1.47
P/C-
P/FCF9.86
EV/EBITDA-
EV/Sales-
Quick Ratio-
Current Ratio0.20
Debt/Eq0.48
LT Debt/Eq0.42
Option/ShortYes / Yes

Earnings

EPS (ttm)1.97
EPS next Y2.75
EPS next Q0.72
EPS this Y31.89%
EPS next Y12.70%
EPS next 5Y-
EPS past 3/5Y-5.13% 2.38%
Sales past 3/5Y13.25% 10.83%
EPS Y/Y TTM12.79%
Sales Y/Y TTM25.11%
EPS Q/Q116.87%
Sales Q/Q26.17%
EarningsOct 22 AMC
EPS/Sales Surpr.35.29% -6.43%

Ownership

Insider Own5.34%
Insider Trans-0.05%
Inst Own34.18%
Inst Trans3.35%
ROA1.20%
ROE11.00%
ROIC7.21%
Gross Margin-
Oper. Margin25.02%
Profit Margin17.39%
SMA202.84%
SMA507.03%
SMA20018.13%
Trades-

Technical

Shs Outstand17.95M
Shs Float16.99M
Short Float1.63%
Short Ratio4.26
Short Interest0.28M
52W High29.25 -3.76%
52W Low18.87 49.18%
Volatility2.51% 2.55%
ATR (14)0.69
RSI (14)60.93
Beta0.38
Rel Volume0.59
Avg Volume64.95K
Volume38,061

Performance

Perf Week-1.44%
Perf Month11.75%
Perf Quarter8.27%
Perf Half Y35.66%
Perf YTD39.56%
Perf Year45.48%
Perf 3Y42.68%
Perf 5Y1.40%
Perf 10Y13.09%
Recom3.00
Target Price29.00
Prev Close28.42
Price28.15
Change %-0.95%

Analyst ratings

latest 4 of 4
DateActionAnalystRating changeTargetImplied
Jun 27, 2023InitiatedJJanneyNeutral$21-25.4%
Nov 17, 2022ResumedPPiper SandlerNeutral$26-7.6%
Sep 28, 2020UpgradePPiper SandlerNeutral → Overweight$21 → $20-29.0%
Jul 01, 2020ResumedPPiper SandlerNeutral$21-25.4%

Peers

Mkt cap
TickerCompanyMkt cap
CZFSCitizens Financial Services Inc412.85M
PFISPeoples Financial Services Corp725.15M
CHMGChemung Financial Corp414.18M
NWFLNorwood Financial Corp394.81M
FDBCFidelity D&D Bancorp Inc392.60M
ACNBACNB Corp678.37M
CCNECNB Financial Corp (PA)1.06B
MPBMid Penn Bancorp Inc885.48M
AROWArrow Financial Corp715.83M
FRAFFranklin Financial Services Corp314.51M

Insider trading

latest 14 of 28
InsiderRelationshipDateTransactionCostSharesValueTotal heldForm
Pellegrino Frank GDirectorNov 06 '26Buy28.222547,16852,324Nov 09 10:10 AM
Shattuck Katherine WDirectorNov 06 '26Buy28.22719810,726Nov 09 10:07 AM
Shattuck Katherine WDirectorOct 02 '26Buy25.51820410,719Oct 05 02:07 PM
Pellegrino Frank GDirectorOct 02 '26Buy25.512456,25052,070Oct 05 02:03 PM
Pellegrino Frank GDirectorSep 04 '26Buy26.171784,65851,825Sep 08 12:27 PM
Shattuck Katherine WDirectorSep 04 '26Buy26.17820910,711Sep 08 12:23 PM
Pellegrino Frank GDirectorAug 07 '26Buy25.212085,24551,108Aug 10 03:03 PM
Shattuck Katherine WDirectorAug 07 '26Buy25.21820210,601Aug 10 03:00 PM
Trate Christian CDirectorAug 03 '26Sale25.2156014,1184,798Aug 04 03:11 PM
Dorwart Stephen MDirectorJul 31 '26Sale25.372,27857,7974,270Aug 03 02:54 PM
Shattuck Katherine WDirectorJul 08 '26Buy23.02920710,593Jul 10 08:50 AM
Pellegrino Frank GDirectorJul 08 '26Buy23.021984,55950,900Jul 10 08:49 AM
Shattuck Katherine WDirectorJun 05 '26Buy21.441021410,584Jun 08 11:48 AM
Pellegrino Frank GDirectorJun 05 '26Buy21.441904,07450,702Jun 08 11:46 AM

Held by

AUM
TickerCompanyAUM
VTIVanguard Morningstar Total Stock Market ETFAUM: 687.42B
IWMiShares Russell 2000 Index FundAUM: 77.38B
DFATU.S. Targeted Value Portfolio-ETF Class SharesAUM: 14.47B
VXFVanguard Extended Market Index ETFAUM: 30.47B
IWNiShares Russell 2000 Value ETFAUM: 14.10B
DFASU.S. Small Cap Portfolio-ETF Class SharesAUM: 15.51B
VTWOVanguard Russell 2000 Index ETFAUM: 16.75B
DFACU.S. Core Equity 2 Portfolio-ETF Class SharesAUM: 49.14B
DFSVUS Small Cap Value Portfolio ETF Class SharesAUM: 8.52B
IWCiShares Micro-Cap ETFAUM: 1.22B

News

latest 14 of 200
  • Citizens & Northern: Q2 Earnings Snapshot (Associated Press)
  • Citizens & Northern Corp's Dividend Analysis (GuruFocus.com)
  • Best Income Stocks to Buy for March 2nd (Zacks)
  • Best Income Stocks to Buy for February 6th (Zacks)
  • Orrstown Financial Services (ORRF) Q4 Earnings and Revenues Beat Estimates (Zacks)
  • Citizens & Northern (CZNC) Earnings Expected to Grow: What to Know Ahead of Q4 Release (Zacks)
  • Citizens & Northern: Q3 Earnings Snapshot (Associated Press Finance)
  • Earnings Preview: Washington Trust Bancorp (WASH) Q3 Earnings Expected to Decline (Zacks)
  • Citizens & Northern (CZNC) Earnings Expected to Grow: Should You Buy? (Zacks)
  • Best Income Stocks to Buy for September 15th (Zacks)
  • Best Income Stocks to Buy for September 5th (Zacks)
  • Citizens & Northern (CZNC) Moves 5.2% Higher: Will This Strength Last? (Zacks)
  • Best Income Stocks to Buy for August 15th (Zacks)
  • Pathward Financial (CASH) Surpasses Q3 Earnings and Revenue Estimates (Revised) (Zacks)

Quarterly earnings

actual against estimate
PeriodReportedEPS actEPS estEPS repSales actSales estAnalysts
2026Q32026-10-220.9200.6800.92039.5642.281
2026Q22026-07-230.7900.6300.79039.42-1
2026Q12026-04-290.0200.5800.01536.62-1
2025Q42026-01-280.5600.5850.25136.8335.402
2025Q32025-10-230.4700.5250.42229.5728.502
2025Q22025-07-240.4000.4700.39529.2827.701
2025Q12025-04-230.4100.4400.40726.7527.702
2024Q42025-01-230.5300.4700.52528.0228.602
2024Q32024-10-180.4100.4500.41327.29-1
2024Q22024-07-180.4000.3700.39727.3026.521
2024Q12024-04-250.3500.3400.34625.7226.682
2023Q42024-01-190.2800.3900.27928.3126.372
2023Q32023-10-190.5000.3950.49726.1526.762
2023Q22023-07-210.3900.3850.39427.0026.592
2023Q12023-04-200.4000.4200.40226.3927.681
2022Q42023-01-270.5000.4800.50228.4027.701

Annual earnings

PeriodEPS actEPS estEPS repSales actSales est
2015FY1.3501.3701.34655.3258.46
2016FY1.3001.2201.30055.9258.62
2017FY1.2801.2401.10058.1060.62
2018FY1.6601.6301.78764.3064.76
2020FY1.7501.6601.29692.1191.74
2021FY1.9201.9501.922103.8103.76
2022FY1.7101.7001.707107.54106.97
2023FY1.5701.6951.572107.85105.91
2024FY1.6901.6251.687108.32105.3
2025FY1.8501.8851.460122.67115.7
2026FY-2.440---
2027FY-2.750---

Estimate revisions

last 14 periods
PeriodTypeDateEstimatesUpDownMeanLowHigh
2026Q4S2026-01-2911037.6037.6037.60
2026Q4S2026-01-0710037.1037.1037.10
2026Q4S2025-11-1111037.1037.1037.10
2026Q4S2025-11-1011037.1037.1037.10
2026Q4S2025-11-0911037.1037.1037.10
2026Q4S2025-11-0811037.1037.1037.10
2026Q4S2025-11-0711037.1037.1037.10
2026Q4S2025-11-0611037.1037.1037.10
2026Q4S2025-11-0511037.1037.1037.10
2026Q4S2025-11-0411037.1037.1037.10
2026Q4S2025-11-0311037.1037.1037.10
2026Q4S2025-11-0211037.1037.1037.10
2026Q4S2025-11-0111037.1037.1037.10
2026Q4S2025-10-3111037.1037.1037.10

Estimate history

EPS, annual1.11.7871.4571.2961.9221.7071.5721.6871.4571.9728
Period201720182019202020212022202320242025TTM
EPS, quarterly0.4130.5250.4070.3950.4220.2510.0150.7910.915
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Sales, annual62.27370.95884.078101.673110.382117.079137.921157.287170.042201.61
Period201720182019202020212022202320242025TTM
Sales, quarterly40.25140.87638.7340.59440.94549.79948.77851.3751.661
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Shares, annual12.21512.31913.71615.91215.75915.51915.29515.43317.82317.951
Period201720182019202020212022202320242025MRQ
Shares, quarterly15.41415.43315.48315.51515.53217.82317.9117.94217.951
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26

Income statement, annual

Currency USD, millions
MetricTTM2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY
Interest Income165.83139.22128.08113.5092.6584.5077.1664.7750.33
Total Interest Expense49.0847.3648.9633.109.526.569.6010.284.62
Net Interest Income116.7591.8579.1180.4083.1377.9467.5654.4945.70
Loan Loss Provision9.906.072.190.197.253.663.910.850.58
Net Interest Income After Loan Loss Provision106.8485.7876.9280.2175.8774.2863.6553.6445.12
Non-Interest Income35.7730.8229.2124.4224.4325.8824.5119.3120.63
Non-Interest Expense92.1780.0274.2674.1567.9562.4757.2445.4439.49
Operating Income50.4536.5831.8730.4832.3537.6930.9227.5126.26
Unusual Expense6.897.940.000.000.000.007.714.100.00
Net Income Before Taxes43.5528.6431.8730.4832.3537.6923.2123.4126.26
Income Taxes8.475.225.916.335.737.133.993.904.25
Consolidated Net Income35.0523.2525.7523.9626.3830.3119.1119.4021.90
Net Income From Continuing Operations35.0523.2525.7523.9626.3830.3119.1119.4021.90
Net Income35.0523.2525.7523.9626.3830.3119.1119.4021.90
EPS (Recurring)2.241.811.691.571.711.921.661.671.79
EPS (Basic, Before Extraordinaries)1.971.461.691.571.711.921.301.461.79
EPS (Diluted)1.971.461.691.571.711.921.301.461.79
Non-Operating Income (Expense)0.000.000.000.000.000.000.000.000.00
Other After Tax Adjustments-0.03-0.18-0.21-0.19-0.24-0.24-0.12-0.10-0.11
Stock Option Compensation Expense1.111.291.181.161.000.890.770.580.68
Price To Earnings Ratio14.2714.2713.4813.0114.2614.1415.8620.1215.33
Price To Sales Ratio2.211.891.802.483.023.732.884.484.57
Operating Margin25.0221.5120.2622.1027.6334.1430.4132.7237.01
Net Margin17.3913.6716.3717.3722.5327.4618.7923.0830.87
Shares Outstanding17.9517.8215.4315.3015.5215.7615.9113.7212.32
Market Capitalization505.31505.31298.34356.53368.73428.12328.07402.83336.91

Income statement, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q22025Q12024Q4
Interest Income42.2841.5740.5941.4033.6532.4531.7133.33
Total Interest Expense12.0711.9512.1312.9311.3911.3111.7312.86
Net Interest Income30.2029.6228.4528.4722.2621.1419.9820.47
Loan Loss Provision-3.17-1.8513.601.322.162.350.24-0.53
Net Interest Income After Loan Loss Provision33.3831.4614.8527.1520.1018.7919.7421.00
Non-Interest Income9.389.808.198.397.298.147.027.55
Non-Interest Expense22.3623.8422.7123.2718.5019.2319.0618.49
Operating Income20.4017.430.3412.288.907.707.7010.06
Unusual Expense0.000.000.006.890.880.170.000.00
Net Income Before Taxes20.4017.430.345.398.027.537.7010.12
Income Taxes4.123.370.060.931.461.421.411.95
Consolidated Net Income16.2914.060.274.446.506.076.248.10
Net Income From Continuing Operations16.2914.060.274.446.506.076.248.10
Net Income16.2914.060.274.446.506.076.248.10
EPS (Recurring)0.920.790.020.520.460.400.410.53
EPS (Basic, Before Extraordinaries)0.920.790.020.250.420.400.410.53
EPS (Diluted)0.920.790.020.250.420.400.410.53
Non-Operating Income (Expense)0.000.000.000.000.000.000.000.00
Other After Tax Adjustments0.000.000.00-0.03-0.05-0.05-0.05-0.07
Stock Option Compensation Expense0.230.340.310.230.270.260.260.31
Price To Earnings Ratio14.2721.5115.1411.5311.8411.3112.4513.48
Price To Sales Ratio2.212.172.202.101.891.811.941.82
Operating Margin39.4933.920.6924.6721.7318.9719.8924.61
Net Margin31.5227.360.568.9115.8714.9516.1219.82
Shares Outstanding17.9517.9417.9117.8215.5315.5115.4815.43
Market Capitalization505.31417.64400.11359.06319.83305.38323.81298.34

Balance sheet, annual

Currency USD, millions
Metric2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY
Cash & Due from Banks44.71123.5752.7847.70104.95101.8635.2037.4940.24
Investments536.76429.80445.23524.30540.42373.65362.87374.81367.47
Net Loans2,323.321,875.811,828.931,723.421,551.311,632.821,172.39818.25806.86
Investment in Unconsolidated Affiliates0.000.000.000.000.000.000.000.500.61
Customer Liability on Acceptances0.000.000.000.000.000.000.000.000.00
Real Estate Assets0.190.180.480.280.681.342.891.701.60
Net Property, Plant & Equipment31.3324.4925.2025.7124.4324.9718.8114.5915.43
Interest Receivables11.598.739.148.657.248.295.003.974.05
Deferred Tax Assets21.3320.6720.2322.949.418.794.895.204.13
Other Intangible Assets166.96128.97136.39103.37101.8399.3058.4540.1340.65
Total Assets3,136.182,612.222,518.372,456.362,331.182,245.191,656.421,291.981,277.80
Total Deposits2,564.722,093.912,014.811,997.591,925.061,820.471,252.661,033.771,008.45
Total Debt193.05210.82215.33185.9181.3194.63146.4848.7770.95
Long Term Debt151.40195.34148.6795.9163.5148.0254.933.923.19
Provision for Risks Charges1.541.081.701.452.392.621.661.701.76
Deferred Tax Liabilities3.711.572.782.063.536.092.271.090.84
Other Liabilities31.4529.5621.3620.0217.4921.638.889.297.36
Total Liabilities2,794.472,336.942,255.992,207.042,029.771,945.431,411.971,094.611,089.35
Preferred Stock - Carrying Value0.000.000.000.000.000.000.000.000.00
Common Equity341.71275.28262.38249.32301.40299.76244.45197.37188.44
Total Shareholders Equity341.71275.28262.38249.32301.40299.76244.45197.37188.44
Accumulated Minority Interest0.000.000.000.000.000.000.000.000.00
Total Equity341.71275.28262.38249.32301.40299.76244.45197.37188.44
Total Liabilities & Stockholders Equity3,136.182,612.222,518.372,456.362,331.182,245.191,656.421,291.981,277.80
Book Value Per Share19.1717.8417.1516.0719.1318.8417.8216.0215.43
Tangible Book Value Per Share14.9714.3013.5612.5015.5815.3015.6615.0514.45
Tier 1 Capital291.75257.46245.81243.75240.43231.58211.39189.59177.98
Tier 2 Capital54.3945.3244.6241.6547.1828.4416.679.649.12
Full-Time Employees460386404415--336299296
Price to Book Ratio1.471.081.481.541.421.101.651.711.59
Return on Assets0.811.000.961.101.320.981.321.701.06
Return on Equity7.539.589.379.5810.087.028.7811.357.14
Return on Invested Capital4.715.475.837.648.315.496.4810.886.97
Current Ratio0.050.160.080.100.230.230.120.150.16

Cash flow, annual

Currency USD, millions
MetricTTM2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY
Funds from Operations49.4234.0929.0930.3137.3132.1720.7223.1823.30
Extraordinary Item0.000.000.000.000.000.000.000.000.00
Changes in Working Capital3.74-4.054.982.76-4.120.40-0.17-0.881.54
Cash from Operating Activities53.1630.0334.0733.0733.1932.5720.5422.3024.85
Capital Expenditures-1.89-1.91-1.91-32.27-3.29-1.86-3.14-2.87-1.17
Net Assets From Acquisitions0.000.000.000.000.000.000.00-1.780.00
Sale of Fixed Assets and Businesses5.835.830.000.000.000.6375.950.000.00
Purchase or Sale of Investments55.1660.2813.6990.00-50.30-179.0720.34121.47-9.35
Purchase of Investments-144.59-134.04-25.79-23.41-113.72-243.93-105.35-57.66-90.02
Sale Or Maturity of Investments199.75194.3239.48113.4163.4264.86125.69179.1280.66
Other Uses0.000.000.000.000.000.000.000.000.00
Other Sources0.090.0414.320.470.200.520.270.971.62
Cash from Investing Activities58.492.17-21.97-52.73-233.28-101.62100.8222.83-20.60
Cash Dividends Paid-18.26-16.29-15.53-15.57-15.87-15.98-14.47-14.04-11.75
Change in Capital Stock-0.22-0.22-0.63-6.78-9.19-7.37-0.030.010.19
Repurchase of Common Pref Stock-0.22-0.22-0.63-6.78-9.35-7.59-0.16-0.190.00
Sale of Common Pref Stock0.000.000.000.000.160.210.130.200.19
Proceedsfrom Stock Options0.000.000.000.000.160.210.130.200.19
Issuance or Reduction of Debt, Net-56.73-64.19-4.2529.85104.30-13.15-128.91-27.98-22.19
Change in Long Term Debt-14.23-44.5227.1476.0426.055.00-28.9410.3326.73
Issuance of Long Term Debt45.240.0059.3985.4450.0039.1025.8948.5033.00
Reduction of Long Term Debt-59.48-44.52-32.25-9.39-23.95-34.09-54.83-38.17-6.27
Net Financing Active Other Cash Flow0.000.000.000.000.000.000.000.000.00
Other Financing Activities Uses-0.00-------
Cash from Financing Activities-133.50-111.0758.7024.73151.9468.88-56.47-46.83-8.42
Net Change in Cash-21.85-78.8770.805.08-48.15-0.1764.89-1.71-4.18
Free Cash Flow51.2728.1332.1630.8129.9130.7117.4119.4323.68
Preferred Dividends (Cash Flow)-0.000.000.000.000.000.000.000.00
Price to Free Cash Flow13.4927.1817.0722.4425.1727.9799.5969.9027.15
Federal Home Loan Advances Increase (Decrease)-0.500.15-7.30-4.860.413.350.933.17

Balance sheet, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q2
Cash & Due from Banks99.6481.4453.4544.71121.4997.27
Investments520.00527.93528.78536.76440.21431.91
Net Loans2,302.442,316.262,351.022,323.321,921.631,897.56
Investment in Unconsolidated Affiliates0.000.000.000.000.000.00
Net Property, Plant & Equipment27.1126.7127.2631.3321.0521.20
Interest Receivables11.6310.9411.9011.599.668.72
Deferred Tax Assets25.2321.8518.8321.3318.3818.99
Other Intangible Assets166.85169.90172.93166.96132.83136.48
Total Assets3,153.253,155.223,164.343,136.182,665.652,612.52
Total Deposits2,608.512,603.742,600.052,564.722,165.742,109.78
Total Debt163.46170.03193.05193.05174.25184.25
Long Term Debt143.16130.97139.94151.40160.81160.76
Provision for Risks Charges0.900.841.041.541.040.74
Deferred Tax Liabilities3.053.23-3.711.621.64
Other Liabilities34.0131.2334.6431.4529.0529.75
Total Liabilities2,809.932,809.082,828.782,794.472,371.692,326.16
Preferred Stock - Carrying Value0.000.000.000.000.000.00
Common Equity343.32346.14335.56341.71293.96286.36
Total Shareholders Equity343.32346.14335.56341.71293.96286.36
Accumulated Minority Interest0.000.000.000.000.000.00
Total Equity343.32346.14335.56341.71293.96286.36
Total Liabilities & Stockholders Equity3,153.253,155.223,164.343,136.182,665.652,612.52
Book Value Per Share19.1319.2918.7419.1718.9318.46
Tangible Book Value Per Share15.0915.2114.6014.9715.4314.95
Tier 1 Capital311.33298.67288.21291.75265.74262.67
Tier 2 Capital47.4450.0255.4454.3949.4347.33
Full-Time Employees---460--
Price to Book Ratio1.471.241.171.071.121.08
Return on Assets1.200.880.600.811.011.03
Return on Equity11.007.995.607.539.429.73
Return on Invested Capital3.352.950.060.901.431.36
Current Ratio0.200.160.110.050.250.20

Cash flow, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q2
Funds from Operations15.8812.0412.099.418.488.26
Extraordinary Item0.000.000.000.000.000.00
Changes in Working Capital3.243.38-3.440.550.432.48
Cash from Operating Activities19.1215.428.659.968.9110.74
Capital Expenditures-1.10-0.15-0.19-0.45-0.43-0.48
Net Assets From Acquisitions0.000.000.000.000.000.00
Sale of Fixed Assets and Businesses0.000.000.005.830.000.00
Purchase or Sale of Investments-12.93-0.438.0760.46-3.634.73
Purchase of Investments-24.37-14.04-7.88-98.31-18.23-8.92
Sale Or Maturity of Investments11.4413.6115.94158.7614.6013.65
Other Uses0.000.000.000.000.000.00
Other Sources0.010.010.030.04-0.02-0.02
Cash from Investing Activities5.4036.48-34.0450.64-26.70-18.77
Cash Dividends Paid-4.55-4.57-4.60-4.55-3.91-3.91
Preferred Dividends (Cash Flow)0.000.000.000.000.000.00
Change in Capital Stock0.00-0.03-0.18-0.010.000.00
Repurchase of Common Pref Stock0.00-0.03-0.18-0.010.000.00
Sale of Common Pref Stock0.000.000.000.000.000.00
Proceedsfrom Stock Options0.000.000.000.000.000.00
Issuance or Reduction of Debt, Net-6.58-23.043.53-30.63-10.04-10.57
Change in Long Term Debt3.27-24.1018.55-11.96-11.00-10.53
Issuance of Long Term Debt12.196.0027.050.000.000.00
Reduction of Long Term Debt-8.92-30.10-8.50-11.96-11.00-10.53
Net Financing Active Other Cash Flow0.000.000.000.000.000.00
Other Financing Activities Uses---0.000.000.00
Cash from Financing Activities-6.32-23.9234.12-137.3842.01-6.84
Net Change in Cash18.2027.998.74-76.7824.22-14.87
Free Cash Flow18.0215.278.479.518.4810.26
Price to Free Cash Flow13.4917.1720.0530.1122.7122.51

Revenue breakdown

State Commercial Banks2024: 108.32M 2025: 122.71M
United States2024: 108.32M 2025: 122.71M

Short interest

shares short against float, oldest to newest
SettlementOf floatShares shortFloatAvg volume
2026-10-301.63%0.3M17.0M63.21K
2026-10-151.93%0.3M17.0M62.96K
2026-09-302.05%0.3M17.0M63.76K
2026-09-152.37%0.4M17.0M71.76K
2026-08-312.21%0.4M17.0M69.53K
2026-08-142.18%0.4M17.0M65.67K
2026-07-312.36%0.4M17.0M62.24K
2026-07-151.96%0.3M17.0M54.79K
2026-06-302.24%0.4M17.0M51.44K
2026-06-151.73%0.3M17.0M41.98K
2026-05-291.60%0.3M17.0M41.63K
2026-05-151.59%0.3M17.0M41.38K
2026-04-301.68%0.3M17.0M44.32K
2026-04-151.64%0.3M17.0M48.13K
2026-03-311.76%0.3M17.0M48.92K
2026-03-131.79%0.3M17.0M57.11K
2026-02-271.65%0.3M17.0M59.23K
2026-02-131.77%0.3M16.9M60.77K
2026-01-301.91%0.3M16.9M57.02K
2026-01-152.10%0.4M16.9M55.31K

Option chain

expiry 2026-11-20
TypeStrikeBidAskLastIVOpen intVolumeDeltaThetaVega
call15.0012.0015.500.005.6370.000.000.961-0.0510.004
call17.509.1013.000.004.6350.000.000.951-0.0490.004
call20.006.6010.500.003.7710.000.000.913-0.0690.007
call22.503.608.000.002.9960.000.000.884-0.0620.008
call25.001.305.500.002.2700.000.000.751-0.1030.014
call30.000.000.150.100.40638410.000.216-0.0360.013
call35.000.000.750.000.9590.000.000.083-0.0360.007
call40.000.000.750.001.3740.000.000.062-0.0420.005
put15.000.000.750.002.5700.000.00-0.038-0.0530.004
put17.500.000.200.001.9530.000.00-0.047-0.0450.005
put20.000.000.750.001.7930.000.00-0.086-0.0700.007
put22.500.000.350.251.27710.000.00-0.111-0.0570.009
put25.000.000.950.801.3212.000.00-0.248-0.1030.014
put30.000.802.800.000.9550.000.00-0.781-0.0360.013
put35.004.508.200.001.9810.000.00-0.916-0.0360.007
put40.0010.3012.900.002.3300.000.00-0.937-0.0400.005

Latest SEC filings

30
FiledFormDescriptionPeriodLink
2026-11-108-KCurrent report2026-11-10SEC
2026-11-094Statement of changes in beneficial ownership of securities2026-11-06SEC
2026-11-094Statement of changes in beneficial ownership of securities2026-11-06SEC
2026-11-0613F-HRFurther understand that each of 13F-HR, 13F-NT, and amendments thereto are mandatory electronic filings (hardship exemption exists to submit in paper; never used to the knowledge of IM staff);2026-09-30SEC
2026-11-0610-QQuarterly report pursuant to Section 13 or 15(d)2026-09-30SEC
2026-10-288-KCurrent report2026-10-22SEC
2026-10-228-KCurrent report2026-10-22SEC
2026-10-054Statement of changes in beneficial ownership of securities2026-10-02SEC
2026-10-054Statement of changes in beneficial ownership of securities2026-10-02SEC
2026-09-228-KCurrent report2026-09-18SEC
2026-09-084Statement of changes in beneficial ownership of securities2026-09-04SEC
2026-09-084Statement of changes in beneficial ownership of securities2026-09-04SEC
2026-08-264Statement of changes in beneficial ownership of securities2026-08-14SEC
2026-08-254/A2026-08-03SEC
2026-08-254Statement of changes in beneficial ownership of securities2026-08-14SEC
2026-08-254Statement of changes in beneficial ownership of securities2026-08-14SEC
2026-08-254Statement of changes in beneficial ownership of securities2026-08-14SEC
2026-08-254Statement of changes in beneficial ownership of securities2026-08-14SEC
2026-08-254Statement of changes in beneficial ownership of securities2026-08-14SEC
2026-08-254Statement of changes in beneficial ownership of securities2026-08-14SEC
2026-08-244Statement of changes in beneficial ownership of securities2026-08-14SEC
2026-08-244Statement of changes in beneficial ownership of securities2026-08-20SEC
2026-08-244Statement of changes in beneficial ownership of securities2026-08-20SEC
2026-08-244Statement of changes in beneficial ownership of securities2026-08-14SEC
2026-08-244Statement of changes in beneficial ownership of securities2026-08-14SEC
2026-08-244Statement of changes in beneficial ownership of securities2026-08-20SEC
2026-08-244Statement of changes in beneficial ownership of securities2026-08-20SEC
2026-08-244Statement of changes in beneficial ownership of securities2026-08-20SEC
2026-08-244Statement of changes in beneficial ownership of securities2026-08-20SEC
2026-08-244Statement of changes in beneficial ownership of securities2026-08-14SEC

Insider activity by month

MonthBoughtBuysSoldSells
2026-117.37K200
2026-106.45K200
2026-094.87K200
2026-085.45K214.12K1
2026-074.77K257.80K1
2026-064.29K200
2026-0526.20K34.83K1
2026-044.51K200
2026-034.52K200
2026-024.44K200
2026-014.46K200
2025-127.03K200
2025-114.44K200

Institutional holders

Manager% owned
BlackRock, Inc.7.59%
VANGUARD CAPITAL MANAGEMENT LLC4.25%
DIMENSIONAL FUND ADVISORS LP3.70%
GEODE CAPITAL MANAGEMENT, LLC2.49%
CITIZENS & NORTHERN CORP2.10%
STATE STREET CORP1.89%
NORTHERN TRUST CORP0.84%
VANGUARD PORTFOLIO MANAGEMENT LLC0.81%
Bank of New York Mellon Corp0.72%
VANGUARD FIDUCIARY TRUST CO0.67%

Funds

Fund% owned
VANGUARD TOTAL STOCK MARKET INDEX FUND3.02%
iShares Russell 2000 ETF2.56%
VANGUARD EXTENDED MARKET INDEX FUND1.15%
Fidelity Small Cap Index Fund1.10%
iShares Russell 2000 Value ETF1.05%
U.S. Targeted Value Portfolio0.60%
VANGUARD RUSSELL 2000 INDEX FUND0.56%
Dimensional U.S. Targeted Value ETF0.50%
Fidelity Extended Market Index Fund0.49%
U.S. SMALL CAP PORTFOLIO0.42%

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