Lumida
/CZNC
⌘K
Citizens & Northern Corp

Citizens & Northern Corp

CZNC
$23.34USD-2.10%-0.50 today

MARKET CAP

418.2M

P/E (TTM)

21.4x

FWD P/E

8.8x

DAY RANGE

$23 – $24

52W RANGE

$18
$24

AI Summary

Stalk
StalkMedium

CZNC is in a Stage 2 corrective reset within a long-term uptrend, supported by a Bullish Pivot Point signaling structural repair. However, price is extended above the EMAs and near resistance, making timing unfavorable now. Optimal engagement is on a pullback into the 9/21 EMA zone to confirm support and resume the uptrend.

  • High earnings yield and 1.26% dividend yield attract income investors
  • Book-to-price ratio of 0.91 implies stock undervaluation
  • Average price target of $15.57 implies 33% downside from $23.24
Full analysis →
Insider Trades70 trades
DateSideTickerInsiderRoleSharesPriceMkt Cap52W High52W LowValue% ChgRuleAI View
Jun 19, 2026BuyCZNCSant William F Iii VanEVP, CHIEF WEALTH OFFICER6,861$21.86$418.2M-3.75%+28.52%$150.0KStalk
Feb 20, 2026SellCZNCTracy Ellen WatkinsEXEC. VP111$23.67$418.2M-3.75%+28.52%$2.6K-0.99%16bStalk
Feb 20, 2026SellCZNCTracy Ellen WatkinsEXEC. VP111$23.67$418.2M-3.75%+28.52%$2.6K-0.99%16bStalk
Feb 20, 2026SellCZNCThomas L Jr RudyEXEC. VP141$23.67$418.2M-3.75%+28.52%$3.3K-0.35%16bStalk
Feb 20, 2026SellCZNCThomas L Jr RudyEXEC. VP141$23.67$418.2M-3.75%+28.52%$3.3K-0.35%16bStalk
Feb 20, 2026SellCZNCStan R DunsmoreEXEC. VP, CHIEF CREDIT OFFICER148$23.67$418.2M-3.75%+28.52%$3.5K-0.62%16bStalk
Feb 20, 2026SellCZNCStan R DunsmoreEXEC. VP, CHIEF CREDIT OFFICER148$23.67$418.2M-3.75%+28.52%$3.5K-0.62%16bStalk
Feb 20, 2026SellCZNCKelley A CwiklinskiEVP CHIEF COMM LENDING OFFICER169$23.67$418.2M-3.75%+28.52%$4.0K-0.57%16bStalk
Feb 20, 2026SellCZNCKelley A CwiklinskiEVP CHIEF COMM LENDING OFFICER169$23.67$418.2M-3.75%+28.52%$4.0K-0.57%16bStalk
Feb 20, 2026SellCZNCJ Bradley ScovillPRESIDENT AND CEO499$23.67$418.2M-3.75%+28.52%$11.8K-0.37%16bStalk
Feb 20, 2026SellCZNCJ Bradley ScovillPRESIDENT AND CEO499$23.67$418.2M-3.75%+28.52%$11.8K-0.37%16bStalk
Jan 30, 2026BuyCZNCGlenn Richard JamesEVP COUNSEL, CORP SECRETARY1,530$21.86$418.2M-3.75%+28.52%$33.5K+101.26%Stalk
Jan 30, 2026BuyCZNCTracy Ellen WatkinsEXEC. VP2,731$21.93$418.2M-3.75%+28.52%$59.9K+9.88%16bStalk
Jan 30, 2026BuyCZNCJohn M ReberEXEC. VP2,840$21.86$418.2M-3.75%+28.52%$62.1K+8.72%Stalk
Jan 30, 2026BuyCZNCAlexander BalagourEVP- CHIEF INFORMATION OFFICER3,490$20.86$418.2M-3.75%+28.52%$72.8K+28.72%Stalk
Jan 30, 2026BuyCZNCThomas L Jr RudyEXEC. VP3,416$21.93$418.2M-3.75%+28.52%$74.9K+3.28%16bStalk
Jan 30, 2026BuyCZNCThomas L Jr RudyEXEC. VP3,416$21.93$418.2M-3.75%+28.52%$74.9K+3.28%16bStalk
Jan 30, 2026BuyCZNCBlair T RushEXECUTIVE VICE PRESIDENT3,474$21.86$418.2M-3.75%+28.52%$76.0K+12.56%Stalk
Jan 30, 2026BuyCZNCStan R DunsmoreEXEC. VP, CHIEF CREDIT OFFICER3,589$21.93$418.2M-3.75%+28.52%$78.7K+5.85%16bStalk
Jan 30, 2026BuyCZNCMark A HughesEXEC. VP AND CFO4,034$21.86$418.2M-3.75%+28.52%$88.2K+5.74%Stalk
Jan 30, 2026BuyCZNCKelley A CwiklinskiEVP CHIEF COMM LENDING OFFICER4,113$21.93$418.2M-3.75%+28.52%$90.2K+5.58%16bStalk
Jan 30, 2026BuyCZNCHarold F Iii HooseEXEC. VP4,592$21.86$418.2M-3.75%+28.52%$100.4K+11.68%Stalk
Jan 30, 2026BuyCZNCJ Bradley ScovillPRESIDENT AND CEO11,895$21.93$418.2M-3.75%+28.52%$260.9K+3.41%16bStalk
Feb 20, 2025SellCZNCTracy Ellen WatkinsEXEC. VP111$21.52$418.2M-3.75%+28.52%$2.4K-1.22%16bStalk
Feb 20, 2025SellCZNCThomas L Jr RudyEXEC. VP141$21.52$418.2M-3.75%+28.52%$3.0K-0.38%16bStalk
Feb 20, 2025SellCZNCMatthew L BowerEVP, CHIEF WEALTH MGMT OFFICER161$21.52$418.2M-3.75%+28.52%$3.5K-2.10%16bStalk
Feb 20, 2025SellCZNCKelley A CwiklinskiEVP CHIEF COMM LENDING OFFICER169$21.52$418.2M-3.75%+28.52%$3.6K-0.63%16bStalk
Feb 20, 2025SellCZNCHarold F Iii HooseEXEC. VP217$21.52$418.2M-3.75%+28.52%$4.7K-0.55%16bStalk
Feb 18, 2025SellCZNCMatthew L BowerEVP, CHIEF WEALTH MGMT OFFICER222$21.52$418.2M-3.75%+28.52%$4.8K-2.82%16bStalk
Jan 31, 2025BuyCZNCGlenn Richard JamesEVP COUNSEL, CORP SECRETARY788$21.99$418.2M-3.75%+28.52%$17.3K+110.67%Stalk
Jan 31, 2025BuyCZNCJohn M ReberEXEC. VP1,462$21.99$418.2M-3.75%+28.52%$32.1K+4.95%Stalk
Jan 31, 2025BuyCZNCTracy Ellen WatkinsEXEC. VP1,680$21.82$418.2M-3.75%+28.52%$36.7K+4.27%16bStalk
Jan 31, 2025BuyCZNCAlexander BalagourEVP- CHIEF INFORMATION OFFICER1,796$21.99$418.2M-3.75%+28.52%$39.5K+17.34%Stalk
Jan 31, 2025BuyCZNCBlair T RushEXECUTIVE VICE PRESIDENT1,842$21.99$418.2M-3.75%+28.52%$40.5K+7.13%Stalk
Jan 31, 2025BuyCZNCMatthew L BowerEVP, CHIEF WEALTH MGMT OFFICER2,068$21.89$418.2M-3.75%+28.52%$45.3K+9.56%16bStalk
Jan 31, 2025BuyCZNCMark A HughesEXEC. VP AND CFO2,096$21.99$418.2M-3.75%+28.52%$46.1K+3.07%Stalk
Jan 31, 2025BuyCZNCThomas L Jr RudyEXEC. VP2,132$21.82$418.2M-3.75%+28.52%$46.5K+1.26%16bStalk
Jan 31, 2025BuyCZNCStan R DunsmoreEXEC. VP, CHIEF CREDIT OFFICER2,247$21.82$418.2M-3.75%+28.52%$49.0K+2.32%16bStalk
Jan 31, 2025BuyCZNCKelley A CwiklinskiEVP CHIEF COMM LENDING OFFICER2,284$21.87$418.2M-3.75%+28.52%$50.0K+2.71%16bStalk
Jan 31, 2025BuyCZNCHarold F Iii HooseEXEC. VP3,283$21.82$418.2M-3.75%+28.52%$71.6K+1.84%16bStalk
Jan 31, 2025BuyCZNCJ Bradley ScovillPRESIDENT AND CEO5,384$21.99$418.2M-3.75%+28.52%$118.4K+4.57%Stalk
Jul 30, 2024BuyCZNCJ Bradley ScovillPRESIDENT AND CEO20,000$20.27$418.2M-3.75%+28.52%$405.3K+20.67%Stalk
Feb 20, 2024BuyCZNCGlenn Richard JamesEVP COUNSEL, CORP SECRETARY375$19.20$418.2M-3.75%+28.52%$7.2K+111.28%Stalk
Feb 20, 2024BuyCZNCTracy Ellen WatkinsEXEC. VP997$19.20$418.2M-3.75%+28.52%$19.1K+14.15%Stalk
Feb 20, 2024BuyCZNCJohn M ReberEXEC. VP1,208$19.20$418.2M-3.75%+28.52%$23.2K+4.43%Stalk
Feb 20, 2024BuyCZNCThomas L Jr RudyEXEC. VP1,270$19.20$418.2M-3.75%+28.52%$24.4K+3.60%Stalk
Feb 20, 2024BuyCZNCStan R DunsmoreEXEC. VP, CHIEF CREDIT OFFICER1,333$19.20$418.2M-3.75%+28.52%$25.6K+7.02%Stalk
Feb 20, 2024BuyCZNCMatthew L BowerEVP, CHIEF WEALTH MGMT OFFICER1,447$19.20$418.2M-3.75%+28.52%$27.8K+28.77%Stalk
Feb 20, 2024BuyCZNCAlexander BalagourEVP- CHIEF INFORMATION OFFICER1,484$19.20$418.2M-3.75%+28.52%$28.5K+16.73%Stalk
Feb 20, 2024BuyCZNCKelley A CwiklinskiEVP CHIEF COMM LENDING OFFICER1,520$19.20$418.2M-3.75%+28.52%$29.2K+6.41%Stalk
Feb 20, 2024BuyCZNCBlair T RushEXECUTIVE VICE PRESIDENT1,536$19.20$418.2M-3.75%+28.52%$29.5K+6.33%Stalk
Feb 20, 2024BuyCZNCMark A HughesEXEC. VP AND CFO1,731$19.20$418.2M-3.75%+28.52%$33.2K+2.60%Stalk
Feb 20, 2024BuyCZNCHarold F Iii HooseEXEC. VP1,953$19.20$418.2M-3.75%+28.52%$37.5K+5.40%Stalk
Feb 20, 2024BuyCZNCJ Bradley ScovillPRESIDENT AND CEO4,492$19.20$418.2M-3.75%+28.52%$86.2K+4.90%Stalk
Jan 31, 2024BuyCZNCGlenn Richard JamesEVP COUNSEL, CORP SECRETARY337$21.39$418.2M-3.75%+28.52%$7.2KStalk
Jan 31, 2024BuyCZNCMatthew L BowerEVP, CHIEF WEALTH MGMT OFFICER1,299$21.39$418.2M-3.75%+28.52%$27.8K+35.19%Stalk
Jan 31, 2024BuyCZNCBlair T RushEXECUTIVE VICE PRESIDENT1,379$21.39$418.2M-3.75%+28.52%$29.5K+6.02%Stalk
Jan 31, 2024BuyCZNCTracy Ellen WatkinsEXEC. VP1,515$21.10$418.2M-3.75%+28.52%$32.0K+1.92%16bStalk
Jan 31, 2024BuyCZNCMark A HughesEXEC. VP AND CFO1,554$21.39$418.2M-3.75%+28.52%$33.2K+2.39%Stalk
Jan 31, 2024BuyCZNCKelley A CwiklinskiEVP CHIEF COMM LENDING OFFICER1,765$21.23$418.2M-3.75%+28.52%$37.5K+2.09%16bStalk
Jan 31, 2024BuyCZNCJohn M ReberEXEC. VP1,864$21.09$418.2M-3.75%+28.52%$39.3K+0.56%16bStalk
Jan 31, 2024BuyCZNCThomas L Jr RudyEXEC. VP1,946$21.10$418.2M-3.75%+28.52%$41.1K+0.47%16bStalk
Jan 31, 2024BuyCZNCStan R DunsmoreEXEC. VP, CHIEF CREDIT OFFICER2,068$21.09$418.2M-3.75%+28.52%$43.6K+0.85%16bStalk
Jan 31, 2024BuyCZNCHarold F Iii HooseEXEC. VP2,988$21.10$418.2M-3.75%+28.52%$63.0K+0.71%16bStalk
Jan 31, 2024BuyCZNCJ Bradley ScovillPRESIDENT AND CEO4,033$21.39$418.2M-3.75%+28.52%$86.2K+4.62%Stalk
Dec 14, 2023BuyCZNCJohn M ReberEXEC. VP3,579$21.23$418.2M-3.75%+28.52%$76.0K+0.25%Stalk
Dec 14, 2023BuyCZNCThomas L Jr RudyEXEC. VP5,603$21.23$418.2M-3.75%+28.52%$119.0K+0.30%Stalk
Dec 14, 2023BuyCZNCHarold F Iii HooseEXEC. VP6,782$21.23$418.2M-3.75%+28.52%$144.0K+0.35%16bStalk
Aug 28, 2023SellCZNCTracy Ellen WatkinsEXEC. VP356$19.27$418.2M-3.75%+28.52%$6.9K-5.06%Stalk
Aug 21, 2023SellCZNCTracy Ellen WatkinsEXEC. VP496$19.45$418.2M-3.75%+28.52%$9.6K-6.59%Stalk