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.
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
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)
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
Market Snapshot
Investment Themes
Documents Analyzed
This report is based on 1 SEC document filed with EDGAR.
| Document | Accession Number |
|---|---|
| CLUSTER Data (Synthetic) | cluster-CZNC-1779395278378 |
Track record builds as more directional reports settle.
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
Oct 22, 2026 4d ago | 8-K | $27.75 $28.15 | ▲ +1.44% | ▲ +0.73% | $28.15 (+1.44%) |
Jun 8, 2026 20w ago | Insider Cluster | $21.32 $21.63 | ▲ +1.45% | ▲ +1.75% | $28.15 (+32.04%) |
May 13, 2026 23w ago | Insider Cluster | $20.75 $20.76 | ▲ +0.05% | ▼ −0.73% | $28.15 (+35.66%) |
May 13, 2026 23w ago | Insider Cluster | $20.75 $20.76 | ▲ +0.05% | ▼ −0.73% | $28.15 (+35.66%) |
May 13, 2026 23w ago | Insider Cluster | $20.75 $20.76 | ▲ +0.05% | ▼ −0.73% | $28.15 (+35.66%) |
May 13, 2026 23w ago | Insider Cluster | $20.75 $20.76 | ▲ +0.05% | ▼ −0.73% | $28.15 (+35.66%) |
May 13, 2026 23w ago | Insider Cluster | $20.75 $20.76 | ▲ +0.05% | ▼ −0.73% | $28.15 (+35.66%) |
May 11, 2026 24w ago | 8-K | $21.05 $21.00 | ▼ −0.24% | ▼ −0.10% | $28.15 (+33.73%) |
May 8, 2026 24w ago | Insider Cluster | $21.63 $21.05 | ▼ −2.68% | ▼ −2.91% | $28.15 (+30.14%) |
May 8, 2026 24w ago | Insider Cluster | $21.63 $21.05 | ▼ −2.68% | ▼ −2.91% | $28.15 (+30.14%) |
US Market Status
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