ROARABLE
FREE $100K
My Trading Account →
▾
Trading Profile Active
Active Trader
Verified Trader
⚡ My $100K Trading Account → ★ My Saved Watchlist →
🟢 My $100K Account → Today Screener Big Ideas Track Record 💰 $100K Arena 🎲 Predictions 🏛️ Insiders 8 Analysts
Stock Ratings / Financials / CZNC / insiders
FRBA (57) WTBA (71) PBAM (54) OBT (69) ⌘ Pro Terminal →

Citizens & Northern Corp (CZNC) Insider, 13F Hedge Fund & Politician Buy/Sell Thermometer

$28.47 +2.67% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $28.55

Citizens & Northern Corp (CZNC) carries a Roarable Rating of C+ (Hold) with 69/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C+ • HOLD / WATCH Cap $510.6M
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on CZNC Below — or Connect Your Own ChatGPT / Claude
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is CZNC stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
▼

As of 2026-11-03, Citizens & Northern Corp (NASDAQ: CZNC) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 69/100 at a spot price of $28.47 (+2.67% 1D, market cap $510.6M). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 15/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 14/20, and Executive Insider Alignment 15/20. Across 1097 tracked Financials issuers, CZNC ranks #143 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does CZNC compare to FRBA and WTBA in the Financials sector?
▼

Within the Financials sector (Major Banks), CZNC carries a Roarable C+ (69/100 RQD), trailing P/E of 21.3x, gross margin of —, and ROIC of 6.9%. By comparison, FRBA (First Bank) holds a D+ grade (57/100 RQD, P/E N/A, ROIC —, cap $504.7M) and WTBA (West Bancorporation) posts a B- grade (71/100 RQD, P/E 15.7x, ROIC 12.2%, cap $527.7M). Among the 5-stock peer group, OBT leads on earnings multiple (12.4x) while OBT leads on capital efficiency (14.6% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for CZNC?
▼

Per CZNC's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000810958), Citizens & Northern Corp generated $1.32B in revenue (+20.0% YoY), $23.4M in net income, and $30.1M in free cash flow against $3.13B in total assets and $0 in total debt. Key quantitative strengths: Big institutional funds and options desks are actively positioning on the bullish side. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $28.55 (+0.29%)🧬 Cannibal Buyback (-2.08% YoY Shares)⚙️ Cash Engine: 12/20 (C-) • 2.3% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 69/100 (C+) historically posted market-perform odds over rolling 90-day windows (+2.0% avg 90D alpha vs SPY • 57.3% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →
RQD QUANT TACHOMETERHOLD / WATCH • C+
025507510069
Quant Analyst Panel Split (Battleground)
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR RQD RADARRw B- · Rk C+
Cash (12)Whales (15)SEC (13)Macro (14)CEO (15)
Each axis scored 0–20
12M PRICE TARGET CONE+5% Base Target
$35 Bull$30 Base$23 Bear
📬 FREE CZNC RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for CZNC)Realized 20D OHLCV Swing Band: ±4.8%
Deterministic 5-Pillar Attribution (69/100 Composite)
🔍 WHY CZNC SCORES 69/100 (C+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Whale & Options Positioning+15/20 pts (22% of score)

20D Institutional Volume Accumulation (±4.8% realized swing band)

▲ #2 Bullish Driver: Insider Conviction & Share Dilution+15/20 pts (22% of score)

SEC Form 4 / 13F Thermometer: 75% Net Buy • Cannibal Buyback (-2.08% YoY Shares)

▼ #1 Drag / Risk Factor: Cash Engine Quality12/20 pts (-8 pt drag)

Capital intensity & 0% operating margin leave 8 pts on the table

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
61
Grade C$25.12+2% Next Q
Q2 (-2Q)
64
Grade C+$25.63+7.3% Next Q
Q3 (-1Q)
66
Grade B-$27.49+3.6% Next Q
Current
69
Grade C+$28.47+2% Hist 90D α
Trajectory: C (61) → C+ (69)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the CZNC Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 69/100 (C+) score, CZNC faces multiple-compression risk if 21.3x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.08% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($26.01) or 200D SMA ($23.67) invalidates the momentum regime and cuts Target Base ($29.88) toward Bear Floor ($23.31).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $CZNC• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “CZNC Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 69%NO 31%Trade / Inspect Odds →
SEC FORM 4 × 13F HEDGE FUNDS × CONGRESSIONAL STOCK ACT

CZNC Smart-Money Thermometer: HEAVY INSIDER & 13F ACCUMULATION

Explore All 13F & Congress Whales →
▲ Disclosed Buys: 0 ($0)▼ Disclosed Sales: 0 ($0)

Wide-Open SEC Form 4, 13F & Congressional Disclosure Ledger (CZNC)

No recent open-market Form 4 cluster sales or emergency dumps flagged on CZNC. Visit the Global 13F & Congressional Whale Ledger for cross-market smart-money filings.

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (CZNC Tape Review)

  • ✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
  • ✓Forensic Red-Light accounting & dilution traps to review on your watchlist
  • ✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?
Join Founding VIP Waitlist (No Card Required) →$100K Arena
CZNC // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +30.96%⚡ TESTING RESISTANCE
2026-11-04O $27.73H $28.47L $27.73C $28.47VOL 61.8K
RES: $28.62SUP: $23.27SMA50: $26.01SMA200: $23.67
$29.07$26.67$24.26$21.86$19.45RES $28.62SUP $23.27$28.472026-05-052026-06-182026-08-052026-09-212026-11-04
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

CZNC Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 CZNC Butterfly Map → + Track CZNC →
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
15.0%/yr Implied 5Y Growth

vs. +20.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on CZNC today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for CZNC. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for CZNC today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (CZNC)

Financials Rank #143 of 1097 ⚔️ FRBA vs CZNC Full Matrix →

1. Head-to-Head Financials Peer Comparison (CZNC vs. FRBA, WTBA, PBAM, OBT)

Industry: Major Banks (248 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, Citizens & Northern Corp (CZNC) ranks #143 by composite RQD confidence (69/100, grade C+) and #696 by equity capitalization ($510.6M). Within this direct 5-issuer industry benchmark cohort, OBT leads on earnings valuation at 12.4x trailing P/E, while OBT leads on capital efficiency and profitability with 14.6% ROIC and — gross margin. WTBA currently holds the highest overall quantitative score in the immediate peer group at 71/100 (B-) compared with CZNC at 69/100 (C+).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
CZNC ACTIVE
Citizens & Northern Corp
C+ 69/100 21.3x — 6.9% +2.67% $510.6M Benchmark Subject
FRBA
First Bank
D+ 57/100 — — — +3.40% $504.7M /frba-vs-cznc →
WTBA
West Bancorporation
B- 71/100 15.7x — 12.2% +3.51% $527.7M /wtba-vs-cznc →
PBAM
Private Bancorp of America Inc.
D+ 54/100 — — — +0.67% $492.2M /pbam-vs-cznc →
OBT
Orange County Bancorp Inc.
C+ 69/100 12.4x — 14.6% +3.67% $537.8M /obt-vs-cznc →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0000810958 ↗

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Citizens & Northern Corp (CZNC) reported GAAP revenue of $1.32B (+20.0% vs. FY2024 revenue of $1.10B , and +932.0% cumulative change since FY2023) , GAAP net income of $23.4M, operating cash flow of $32.0M, and free cash flow of $30.1M (-3.3% YoY). On the balance sheet, CZNC closed FY2025 with $3.13B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 4/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $1.32B $23.4M $32.0M $30.1M $3.13B —
FY2024 (FY) 2024-12-31 $1.10B $26.0M $33.0M $31.1M $2.61B —
FY2023 (FY) 2023-12-31 $127.5M $24.1M $33.5M $33.5M — —

3. CZNC Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is CZNC stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, Citizens & Northern Corp (NASDAQ: CZNC) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 69/100 at a spot price of $28.47 (+2.67% 1D, market cap $510.6M). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 15/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 14/20, and Executive Insider Alignment 15/20. Across 1097 tracked Financials issuers, CZNC ranks #143 in composite RQD confidence.

How does CZNC compare to FRBA and WTBA in the Financials sector?

Within the Financials sector (Major Banks), CZNC carries a Roarable C+ (69/100 RQD), trailing P/E of 21.3x, gross margin of —, and ROIC of 6.9%. By comparison, FRBA (First Bank) holds a D+ grade (57/100 RQD, P/E N/A, ROIC —, cap $504.7M) and WTBA (West Bancorporation) posts a B- grade (71/100 RQD, P/E 15.7x, ROIC 12.2%, cap $527.7M). Among the 5-stock peer group, OBT leads on earnings multiple (12.4x) while OBT leads on capital efficiency (14.6% ROIC).

What are the biggest fundamental strengths and SEC risk factors for CZNC?

Per CZNC's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000810958), Citizens & Northern Corp generated $1.32B in revenue (+20.0% YoY), $23.4M in net income, and $30.1M in free cash flow against $3.13B in total assets and $0 in total debt. Key quantitative strengths: Big institutional funds and options desks are actively positioning on the bullish side. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

Where is CZNC trading relative to its 50-day, 200-day, and 52-week technical levels?

CZNC last traded at $28.47 (+2.67% on volume of 61,832 shares), positioning the stock +9.46% above its 50-day simple moving average ($26.01) and +20.28% above its 200-day simple moving average ($23.67). Across its 52-week range of $18.87 to $28.49, CZNC sits at the 99.8% percentile with a 14-day RSI of 72.3 (OVERBOUGHT (>70)) and an implied next-earnings move of ±4.8% ($27.10 to $29.84).

Direct Sub-Reports: CZNC RQD Cockpit CZNC 12M Forecast CZNC Earnings & Move CZNC Dividends & DRIP CZNC Insiders & 13F CZNC Whale Options CZNC Profit Sankey CZNC News & Why
ROARABLE RATING BRIEF • RQD 69/100 (C+) ✓ SEC XBRL & RQD VERIFIED

CZNC — Citizens & Northern Corp: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

Citizens & Northern Corp (CZNC) earns a live Roarable RQD composite score of 69/100, corresponding to a C+ letter grade (Roarable Hold) at a spot price of $28.47 (+2.67% 1D, market capitalization $510.6M).

  • Fundamental Cash Engine (12/20): Anchored by return on invested capital (ROIC) of 6.9%, gross margin of —, operating margin of —, and free cash flow yield of 6.03%.
  • Whale 13F & Options Flow (15/20) + Insider Conviction (15/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (14/20) + Forensic Balance Sheet (13/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 4/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

Citizens & Northern Corp is a NASDAQ-listed issuer classified under the Financials sector and the Major Banks industry,. The profile describes the company as operating in this industry with a market capitalization of $0.5B.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Citizens & Northern Corp (CZNC) reported $1.32B in annual revenue (up from $1.10B in FY2024, +20.0% YoY) and $23.4M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($127.5M revenue, $24.1M net income) through FY2025, CZNC scaled operating cash flow to $32.0M and free cash flow to $30.1M, backed by $3.13B in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (C+ • RQD 69/100): Big institutional funds and options desks are actively positioning on the bullish side. Company leadership has skin in the game with net positive insider conviction. With Fundamental Cash Engine at 12/20 and Institutional Whale Flow at 15/20, sustained execution supports upside toward the upper end of the $18.87 – $28.49 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Broader market pullbacks can still drag down strong stocks in the short run. Investors must weigh 21.3x trailing P/E against — operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

The sector and industry classification (Financials / Major Banks) is the only structural context provided.

  • Key Question #1: Can CZNC sustain or expand its — operating margin and 6.9% ROIC against Major Banks peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $1.32B and free cash flow of $30.1M, how will capital allocation balance growth reinvestment against $0 in total debt?
  • Key Question #3: How sensitive is CZNC's 19.8x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

CZNC Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Citizens & Northern Corp (CZNC) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to CZNC Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

CZNC Bull vs. Bear Conversation Board — What's Your Call at $28.47?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON CZNC 🐻 33% BEARISH CONVICTION
1. Pick Your Side on CZNC:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
CA CashFlowKing RQD DEBATE OPENER • FCF Compounder Hunter 🐂 BULLISH 🎯 Target: $33.64 (+20.0%)
📌 Pinned Debate

Insider-conviction pillar is the strongest component at 15/20, and the forward P/E of 19.8 sits below the trailing 21.3.

Long CZNC at $28.03 targeting $33.64. Insider-conviction pillar is the strongest component at 15/20, and the forward P/E of 19.8 sits below the trailing 21.3.. Institutional whale score is 15/20 and the risk/reward vs. the $18.87 52-week low is skewed heavily in favor of bulls.

EarningsSniper 🐂 BULL

Both sides have a point here — CZNC's 13/20 balance sheet score keeps downside contained, so the real swing factor next earnings call is backlog and FCF conversion.

SH ShortSeller_Dan RQD DEBATE OPENER • Forensic Short Bias 🐻 BEARISH 🎯 Target: $21.58 (-23.0%)
Spot @ $28.03

Revenue, operating income, EPS, and debt are unreported across all periods, leaving the financial trend and balance sheet largely unver

Fading this rally in CZNC at $28.03. Revenue, operating income, EPS, and debt are unreported across all periods, leaving the financial trend and balance sheet largely unverifiable.. With a beta of 1.0 and the stock sitting at $28.03 (52-wk range $18.87–$28.49), the easy multiple expansion is already priced in.

LIVE TAPE