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8-K ·Filed Apr 23, 2026

CZNC

CITIZENS & NORTHERN CORP
NEUTRAL
Impact 2/10
Horizondays Processed6mo ago SEC0001104659-26-047559
8-K context-dependent: Items 8.01
Actionable Insight • Neutral

Monitor next earnings report for any commentary on dividend sustainability or changes in capital allocation policy. The flat dividend suggests no immediate change in outlook.

DirectionNeutral
Confidencehigh
Horizondays
Final — all horizons settled through T+60d
CZNC ▲ +3.33% at T+60d
NEUTRAL call +3.33% · α vs SPY -1.69% · entry $22.71 → $23.47
Entry = T+0 close
Apr 23, 2026
via day close
T+1d
+1.83%
call +1.83% · α +1.05%
$23.13
settled 6mo ago
T+5d
+1.26%
call +1.26% · α -0.22%
$23.00
settled 6mo ago
T+20d
-7.54%
call -7.54% · α -12.18%
$21.00
settled 5mo ago
T+60d
+3.33%
call +3.33% · α -1.69%
$23.47
settled 3mo ago

Price Chart

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Executive Summary

Citizens & Northern Corporation declared a regular quarterly cash dividend of $0.28 per share, payable on May 15, 2026, to shareholders of record as of May 4, 2026. This is a routine capital return action consistent with prior quarters.

Key Facts

  • Declared quarterly cash dividend of $0.28 per share
  • Dividend payable on May 15, 2026
  • Shareholders of record as of May 4, 2026 are eligible
  • No change in dividend amount from prior quarters indicated

Financial Impact

Approximately $4.6 million quarterly (based on 16.5M shares outstanding and $0.28/share)

dividendcash flow

Risk Factors

  • Potential future dividend cuts if net interest margin compresses
  • Interest rate sensitivity could impact future profitability and dividend coverage

Market Snapshot

Exchange
Nasdaq
Sector
State Commercial Banks

Investment Themes

Traditional Finance

Documents Analyzed

This report is based on 5 SEC documents filed with EDGAR.

DocumentAccession Number
8-K Filing (Primary)0001104659-26-047559
Document: cznc-20260423xex99.htm0001104659-26-047559
Document: 0001104659-26-047559-index-headers.html0001104659-26-047559
Document: 0001104659-26-047559-index.html0001104659-26-047559
Document: 0001104659-26-047559.txt0001104659-26-047559
12 reports for CZNC
Performance horizon

Track record builds as more directional reports settle.

Filters
Rows
Reports for CZNC — sortable, filterable
TypeNow
Oct 22, 2026
4d ago
8-K
BULLISH ★ 6/10
$27.75 $28.15▲ +1.44%▲ +0.73%$28.15 (+1.44%)
Jun 8, 2026
20w ago
Insider Cluster
NEUTRAL ★ 2/10
$21.32 $21.63▲ +1.45%▲ +1.75%$28.15 (+32.04%)
May 13, 2026
23w ago
Insider Cluster
NEUTRAL ★ 3/10
$20.75 $20.76▲ +0.05%▼ −0.73%$28.15 (+35.66%)
May 13, 2026
23w ago
Insider Cluster
NEUTRAL ★ 2/10
$20.75 $20.76▲ +0.05%▼ −0.73%$28.15 (+35.66%)
May 13, 2026
23w ago
Insider Cluster
NEUTRAL ★ 3/10
$20.75 $20.76▲ +0.05%▼ −0.73%$28.15 (+35.66%)
May 13, 2026
23w ago
Insider Cluster
NEUTRAL ★ 2/10
$20.75 $20.76▲ +0.05%▼ −0.73%$28.15 (+35.66%)
May 13, 2026
23w ago
Insider Cluster
NEUTRAL ★ 2/10
$20.75 $20.76▲ +0.05%▼ −0.73%$28.15 (+35.66%)
May 11, 2026
24w ago
8-K
NEUTRAL ★ 2/10
$21.05 $21.00▼ −0.24%▼ −0.10%$28.15 (+33.73%)
May 8, 2026
24w ago
Insider Cluster
NEUTRAL ★ 2/10
$21.63 $21.05▼ −2.68%▼ −2.91%$28.15 (+30.14%)
May 8, 2026
24w ago
Insider Cluster
NEUTRAL ★ 2/10
$21.63 $21.05▼ −2.68%▼ −2.91%$28.15 (+30.14%)
Showing 10 of 12

US Market Status

Market Closed — Opens Tue (< 1m)

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Report published Apr 23, 2026