CZNC CITIZENS & NORTHERN CORP
Price Chart
Executive Summary
Three directors at Citizens & Northern Corp made open-market purchases totaling $26K over a one-week window, with Director Lehman's $21K purchase representing the bulk. This is a modest insider buy cluster at a small regional bank with weak analyst sentiment (0% bullish). The total dollar value is only ~0.007% of the $376M market cap, making it trivial relative to company size.
Key Financial Metrics
Actionable Insight
The insider buying is too small in dollar terms to signal a meaningful conviction call. Monitor upcoming quarterly earnings for any credit-quality deterioration in the bank's loan book, which is the primary risk for a small regional bank. The negative historical calibration on this ticker suggests prior neutral calls underperformed — but this cluster's trivial size does not warrant a directional call.
Key Facts
- Three directors purchased shares: Pellegrino (237 shares, $5K), Lehman (1,000 shares, $21K), Shattuck (10 shares, $217)
- Total cluster value: ~$26K, representing ~0.007% of $376M market cap
- No C-suite executives participated in open-market purchases
- Analyst consensus is 0% bullish (0 Strong Buy, 3 Hold, 1 Sell, 2 Strong Sell)
- Historical model performance on CZNC shows negative T+20 alpha (-6.01% vs SPY) with 33% win rate
Financial Impact
Total insider purchases of $26K are immaterial relative to $376M market cap
Risk Factors
- Weak analyst sentiment (0% bullish) suggests limited near-term catalysts
- Small regional banks face ongoing margin compression and credit risk from commercial real estate exposure
- Historical model performance shows negative alpha on CZNC filings, indicating possible structural headwinds
Market Snapshot
Documents Analyzed
This report is based on 1 SEC document filed with EDGAR.
| Document | Accession Number |
|---|---|
| CLUSTER Data (Synthetic) | cluster-CZNC-1779395278378 |
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
|
Jun 8, 2026
6d ago
|
Insider Cluster
| $21.55 awaiting T+5 | awaiting T+5 | — | $22.06 (+2.37%) |
|
May 13, 2026
4w ago
|
Insider Cluster
| $20.75 $21.00 | ▲ +1.20% | ▲ +1.34% | $22.06 (+6.31%) |
|
May 13, 2026
4w ago
|
Insider Cluster
| $20.75 $21.00 | ▲ +1.20% | ▲ +1.34% | $22.06 (+6.31%) |
|
May 13, 2026
4w ago
|
Insider Cluster
| $20.75 $21.00 | ▲ +1.20% | ▲ +1.34% | $22.06 (+6.31%) |
|
May 13, 2026
4w ago
|
Insider Cluster
| $20.75 $21.00 | ▲ +1.20% | ▲ +1.34% | $22.06 (+6.31%) |
|
May 13, 2026
4w ago
|
Insider Cluster
| $20.75 $21.00 | ▲ +1.20% | ▲ +1.34% | $22.06 (+6.31%) |
|
May 11, 2026
4w ago
|
8-K
| $21.05 $20.61 | ▼ −2.09% | ▼ −2.00% | $22.06 (+4.80%) |
|
May 8, 2026
5w ago
|
Insider Cluster
| $21.63 $20.76 | ▼ −4.02% | ▼ −5.49% | $22.06 (+1.99%) |
|
May 8, 2026
5w ago
|
Insider Cluster
| $21.63 $20.76 | ▼ −4.02% | ▼ −5.49% | $22.06 (+1.99%) |
|
Apr 23, 2026
7w ago
|
8-K
| $22.71 $23.00 | ▲ +1.26% | ▼ −0.22% | $22.06 (−2.88%) |
US Market Status
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