Citizens & Northern Corp.
- CZNC · Nasdaq
- State Commercial Banks
- Wellsboro, PA
- 460 employees
- CIK 0000810958
Updated from SEC filings through
Top things to know
Executives
- J. Bradley Scovill PRESIDENT AND CEO 4, 2026-08-24
- Mark A. Hughes EXEC. VP AND CFO 4, 2026-08-24
- Alexander Balagour EVP- CHIEF INFORMATION OFFICER 4, 2026-08-24
- Blair T. Rush EXECUTIVE VICE PRESIDENT 4, 2026-08-24
- Stan R. Dunsmore EXEC. VP, CHIEF CREDIT OFFICER 4, 2026-08-24
- Sant William F. Van III EVP, CHIEF WEALTH OFFICER 4, 2026-06-22
Citizens & Northern Corp is a U.S. public company in state commercial banks (SIC 6022), headquartered in Wellsboro, PA. It trades as CZNC on Nasdaq. Revenue was $139M in the fiscal year ending December 31, 2025, +8.7% from the year before. It reported about 460 employees. J. Bradley Scovill is PRESIDENT AND CEO.
Five-year financials
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | $139M 10-K, 2026-03-06 | $128M 10-K, 2026-03-06 | $114M 10-K, 2026-03-06 | $92.6M 10-K, 2025-03-06 | $84.5M 10-K, 2024-03-11 |
| Operating income | Not on file | Not on file | Not on file | Not on file | Not on file |
| SG&A | Not on file | Not on file | Not on file | Not on file | Not on file |
| Net income | $23.4M 10-K, 2026-03-06 | $26.0M 10-K, 2026-03-06 | $24.1M 10-K, 2026-03-06 | $26.6M 10-K, 2025-03-06 | $30.6M 10-K, 2024-03-11 |
Annual figures from XBRL in each company's own filings. Click a figure to open the filing. SG&A marked derived is general and administrative plus selling and marketing.
Leadership and board
| Name | Title | Source |
|---|---|---|
| J. Bradley Scovill | PRESIDENT AND CEO | 4, 2026-08-24 |
| Mark A. Hughes | EXEC. VP AND CFO | 4, 2026-08-24 |
| Alexander Balagour | EVP- CHIEF INFORMATION OFFICER | 4, 2026-08-24 |
| Blair T. Rush | EXECUTIVE VICE PRESIDENT | 4, 2026-08-24 |
| Stan R. Dunsmore | EXEC. VP, CHIEF CREDIT OFFICER | 4, 2026-08-24 |
| Sant William F. Van III | EVP, CHIEF WEALTH OFFICER | 4, 2026-06-22 |
| Kelley A. Cwiklinski Semi-retired | EVP CHIEF COMM LENDING OFFICER | 4, 2026-05-21 |
| Gregory Adamson | Senior Vice President, Director of Commercial Lending | 8-K, 2026-05-11 |
| John M. Reber Executive Vice President at Citizens & Northern Bank | EXEC. VP | 4, 2026-08-24 |
| Thomas L. Rudy Jr Executive Vice President, Chief Delivery Officer & Region President | EXEC. VP | 4, 2026-08-24 |
| Glenn Richard James | EVP COUNSEL, CORP SECRETARY | 4, 2026-08-24 |
| David S. Runk | EXEC. VP AND STRATEGIC ADVISOR | 4, 2026-08-24 |
| Harold F. Hoose III | EXEC. VP | 4, 2026-08-24 |
| Tracy Ellen Watkins | EXEC. VP | 4, 2026-08-24 |
What Citizens & Northern Corp does
Citizens & Northern Corporation (“Corporation”) is a bank holding company whose principal activity is community banking. The Corporation’s principal office is located in Wellsboro, Pennsylvania. The largest subsidiary is Citizens & Northern Bank (“C&N Bank” or the “Bank”). The Corporation’s other wholly-owned subsidiaries are Citizens & Northern Investment Corporation and Bucktail Life Insurance Company (“Bucktail”). Citizens & Northern Investment Corporation was formed in 1999 to engage in investment activities.
Item 1. Business, 10-K for the year ending December 31, 2025
Shares and governance
| Shares outstanding | 18.0 million (as of November 2, 2026) | 10-Q, November 6, 2026 |
|---|---|---|
| Public float | $280M (as of June 30, 2025) | 10-K, March 6, 2026 |
| Reportable segments | 1 (period ending December 31, 2025) | 10-K, March 6, 2026 |
| Latest proxy statement | Meeting April 23, 2026 (filed March 13, 2026) | DEF 14A, March 13, 2026 |
| Auditor | Crowe LLP (Columbus, Ohio) | Latest 10-K |
Insider trades
Open-market buys and sales by officers and directors, from Forms 4 and 5. One row per filing.
| Date | Insider | Trade | Shares | Value | Source |
|---|---|---|---|---|---|
| November 6, 2026 | Katherine W. Shattuck Director | Buy | 7 | $197.54 | Form 4, November 9, 2026 |
| November 6, 2026 | Frank G. Pellegrino Director | Buy | 254 | $7K | Form 4, November 9, 2026 |
| October 2, 2026 | Katherine W. Shattuck Director | Buy | 8 | $204.08 | Form 4, October 5, 2026 |
| October 2, 2026 | Frank G. Pellegrino Director | Buy | 245 | $6K | Form 4, October 5, 2026 |
| September 4, 2026 | Katherine W. Shattuck Director | Buy | 8 | $209.36 | Form 4, September 8, 2026 |
| September 4, 2026 | Frank G. Pellegrino Director | Buy | 178 | $5K | Form 4, September 8, 2026 |
| August 7, 2026 | Katherine W. Shattuck Director | Buy | 8 | $201.76 | Form 4, August 10, 2026 |
| August 7, 2026 | Frank G. Pellegrino Director | Buy | 208 | $5K | Form 4, August 10, 2026 |
Recent 8-K events
- 8-K filed 2026-10-28
- Item 8.01 Other events
- 8-K filed 2026-10-22
- Item 2.02 Results of operations and financial condition (earnings release)
- 8-K filed 2026-09-22
- Item 5.03 Amendments to articles or bylaws; change in fiscal year
- 8-K filed 2026-07-23
- Item 2.02 Results of operations and financial condition (earnings release)
- 8-K filed 2026-05-11
- Item 5.02 Departure or appointment of directors or officers; compensation
- Item 8.01 Other events
- 8-K filed 2026-04-29
- Item 2.02 Results of operations and financial condition (earnings release)
- 8-K filed 2026-04-28
- Item 5.07 Submission of matters to a vote of security holders
- 8-K filed 2026-04-23
- Item 8.01 Other events
- 8-K filed 2026-01-28
- Item 2.02 Results of operations and financial condition (earnings release)
- 8-K filed 2026-01-22
- Item 8.01 Other events
Frequently asked questions about Citizens & Northern Corp
- What does Citizens & Northern Corp do?
- In its own words, from Item 1 of its 10-K: "Citizens & Northern Corporation (“Corporation”) is a bank holding company whose principal activity is community banking. The Corporation’s principal office is located in Wellsboro, Pennsylvania. The largest subsidiary is Citizens & Northern Bank (“C&N Bank” or the “Bank”). The Corporation’s other wholly-owned subsidiaries are Citizens & Northern Investment Corporation and Bucktail Life Insurance Company (“Bucktail”). Citizens & Northern Investment Corporation was formed in 1999 to engage in investment activities."
- What is Citizens & Northern Corp's revenue?
- $139M for the fiscal year ending December 31, 2025, from its 10-K filed March 6, 2026.
- Is Citizens & Northern Corp profitable?
- Citizens & Northern Corp reported net income of $23.4M for the fiscal year ending December 31, 2025.
- How many employees does Citizens & Northern Corp have?
- About 460 as of December 31, 2025, as stated in its annual report.
- Who is the CEO of Citizens & Northern Corp?
- J. Bradley Scovill, PRESIDENT AND CEO, as named in a 4 filed August 24, 2026.
- Who is the CFO of Citizens & Northern Corp?
- Mark A. Hughes, EXEC. VP AND CFO, as named in a 4 filed August 24, 2026.
- Where is Citizens & Northern Corp headquartered?
- Wellsboro, PA.
- What is Citizens & Northern Corp's stock ticker?
- CZNC on Nasdaq.
- What industry is Citizens & Northern Corp in?
- State Commercial Banks, SIC code 6022.
- What is Citizens & Northern Corp's website?
- cnbankpa.com.
- When does Citizens & Northern Corp report earnings next?
- November 12, 2026. Source: pg_future_events.
- Is Citizens & Northern Corp a public company?
- Yes. Citizens & Northern Corp files with the SEC under CIK 0000810958 and trades as CZNC.
- Who audits Citizens & Northern Corp?
- Crowe LLP, Columbus, Ohio, as named in its latest annual report (10-K).
- How many shares of Citizens & Northern Corp are outstanding?
- 18.0 million shares as of November 2, 2026, from its 10-Q filed November 6, 2026.
- What is Citizens & Northern Corp's public float?
- $280M as of June 30, 2025, as reported on the cover of its 10-K filed March 6, 2026.
- How many business segments does Citizens & Northern Corp report?
- 1 reportable segment for the period ending December 31, 2025, from its 10-K filed March 6, 2026.
- When is Citizens & Northern Corp's annual shareholder meeting?
- April 23, 2026, per its proxy statement (DEF 14A) filed March 13, 2026.
- Have Citizens & Northern Corp insiders traded stock recently?
- Since July 7, 2025, officers and directors reported 3 open-market sales worth about $77K and 35 purchases worth about $107K on Forms 4 and 5. The most recent: Katherine W. Shattuck (Director) bought 7 shares on November 6, 2026.