Yahoo Finance report covering Citizens & Northern Corp (CZNC) market action, institutional positioning, and fundamental catalysts.
Why CZNC Stock surged +2.67% Today — RQD Quant Desk Flash
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.
🤖 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?
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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.
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief)
How does CZNC compare to FRBA and WTBA in the Financials sector?
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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).
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief)
What are the biggest fundamental strengths and SEC risk factors for CZNC?
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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.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
20D Institutional Volume Accumulation (±4.8% realized swing band)
SEC Form 4 / 13F Thermometer: 75% Net Buy • Cannibal Buyback (-2.08% YoY Shares)
Capital intensity & 0% operating margin leave 8 pts on the table
⚔️ Adversarial Opposing Case: Why the CZNC Bull Thesis Could Fail
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.
Broader market pullbacks can still drag down strong stocks in the short run.
Dilution & Margin Drag: Cannibal Buyback (-2.08% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.
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).
Why CZNC Stock surged +2.67% Today — RQD Quant Desk Flash
Citizens & Northern Corp (CZNC) surged +2.67% to $28.47, trading at 99% of its 52-week range ($18.87 – $28.49). Solid steady margins (7% return on capital), mixed timing at 21x P/E—hold if owned, no rush to chase.
- ▸Technical Tape: Trading at 99% of its 52-week range ($18.87 – $28.49) with RSI-14 at 72.3 (OVERBOUGHT (>70)).
- ▸Volatility Profile: Historical 20-day realized swing band of ±4.8% around $28.47 (no active unusual options sweep snapshot on file).
- ▸Fundamental Anchor: Roarable C+ (Hold) backed by 52% gross margin and $30.1M annual free cash flow.
Simply Wall St report covering Citizens & Northern Corp (CZNC) market action, institutional positioning, and fundamental catalysts.
TradingView report covering Citizens & Northern Corp (CZNC) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Citizens & Northern Corp (CZNC) market action, institutional positioning, and fundamental catalysts.
The Globe and Mail report covering Citizens & Northern Corp (CZNC) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Citizens & Northern Corp (CZNC) market action, institutional positioning, and fundamental catalysts.
https://www.siam.in/ report covering Citizens & Northern Corp (CZNC) market action, institutional positioning, and fundamental catalysts.
Simply Wall St report covering Citizens & Northern Corp (CZNC) market action, institutional positioning, and fundamental catalysts.
Meridian Bank (MRBK) delivered earnings and revenue surprises of -6.52% and -8.79%, respectively, for the quarter ended September 2026. Do the numbers hold clues to what lies ahead for the stock?
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
CZNC Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +20.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on CZNC today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for CZNC. Explore sector supply chains on /butterfly.
📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (CZNC)
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 ENABLEDIs 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).
CZNC — Citizens & Northern Corp: What the Facts Mean to a Prospective Investor
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
Yahoo Finance report covering Citizens & Northern Corp (CZNC) market action, institutional positioning, and fundamental catalysts.
Simply Wall St report covering Citizens & Northern Corp (CZNC) market action, institutional positioning, and fundamental catalysts.
TradingView report covering Citizens & Northern Corp (CZNC) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Citizens & Northern Corp (CZNC) market action, institutional positioning, and fundamental catalysts.
The Globe and Mail report covering Citizens & Northern Corp (CZNC) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Citizens & Northern Corp (CZNC) market action, institutional positioning, and fundamental catalysts.
https://www.siam.in/ report covering Citizens & Northern Corp (CZNC) market action, institutional positioning, and fundamental catalysts.
Simply Wall St report covering Citizens & Northern Corp (CZNC) market action, institutional positioning, and fundamental catalysts.
CZNC Bull vs. Bear Conversation Board — What's Your Call at $28.47?
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.
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.
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.