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Insider Cluster (3 insiders) ·Filed May 13, 2026

CZNC

CITIZENS & NORTHERN CORP
NEUTRAL
Impact 2/10
Horizondays Processed5mo ago
Insider cluster: 3 insiders, $0.0M total
Actionable Insight • Neutral

Ignore this as a trading signal. The dollar amount is too small to indicate anything about management's outlook. With zero C-suite participation, 0% analyst bullishness, and a history of negative post-report returns, this cluster lacks the magnitude and seniority to be predictive. Monitor next quarterly filing for business fundamentals instead.

DirectionNeutral
Confidencehigh
Horizondays
Final — all horizons settled through T+60d ⚠ clustered
CZNC ▲ +22.22% at T+60d
NEUTRAL call +22.22% · α vs SPY +17.78% · entry $20.75 → $25.36
Entry = T+0 close
May 13, 2026
via day close
T+1d
+0.05%
call +0.05% · α -0.73%
$20.76
settled 6mo ago
T+5d
+1.20%
call +1.20% · α +1.34%
$21.00
settled 5mo ago
T+20d
+5.45%
call +5.45% · α +6.06%
$21.88
settled 5mo ago
T+60d
+22.22%
call +22.22% · α +17.78%
$25.36
settled 3mo ago

Price Chart

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Executive Summary

Three directors purchased a total of ~$26K of CZNC stock over a 7-day window, with the largest purchase ($21K) by Director Lehman. The dollar amount is trivial relative to the $376M market cap (~0.007%), making this a routine, non-informational cluster unaccompanied by any material business event or earnings release.

Key Financial Metrics

Direction
buying
Total Value
$26.0K
Insiders
3

Key Facts

  • Three directors made open-market purchases totaling ~$26K
  • Director Lehman Terry L bought 1,000 shares at ~$20.83 on 2026-05-13
  • Total purchases represent ~0.007% of the $376M market cap — immaterial
  • No C-suite executives participated in this cluster
  • Analyst consensus is neutral (0/6 bullish, 3 Hold, 1 Sell, 2 Strong Sell)
  • No recent filings indicate any material event (no earnings, no M&A, no restructuring)

Financial Impact

~$26K in total insider purchases, less than 0.01% of market cap

insider_ownership

Risk Factors

  • Over-interpreting tiny insider buys as bullish signal would be a statistical error

Market Snapshot

Exchange
Nasdaq
Sector
State Commercial Banks
Analyst Consensus
0% bullish (6 analysts)

Investment Themes

Traditional Finance

Documents Analyzed

This report is based on 1 SEC document filed with EDGAR.

DocumentAccession Number
CLUSTER Data (Synthetic)cluster-CZNC-1779395627482
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 (15h 54m)

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Report published May 21, 2026