{"filings":[{"id":1829637,"accession_number":"0001104659-26-086259","cik":810958,"company_name":"CITIZENS & NORTHERN CORP","ticker":"CZNC","form_type":"8-K","filed_at":"2026-07-23T20:10:03+00:00","items":["2.02","9.01"],"status":"ready","headline":"C&N declares dividend and reports Q2 2026 unaudited results","summary_kind":"llm","event_type":"earnings","confidence":"low","bullets":["Company announced unaudited consolidated financial results for Q2 and H1 2026.","Dividend declared; amount and record date not disclosed in the 8-K body.","No specific financial figures are provided in the 8-K filing."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":378039955.72104025,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":3,"accession_number":"0001104659-26-058386","cik":810958,"company_name":"CITIZENS & NORTHERN CORP","ticker":"CZNC","form_type":"8-K","filed_at":"2026-05-11T14:24:38+00:00","items":["5.02","8.01","9.01"],"status":"ready","headline":"C&N chief lending officer Cwiklinski retiring July 10; Adamson promoted","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Kelley Cwiklinski, EVP and Chief Lending Officer, will retire effective July 10, 2026, after 41 years in banking.","Gregory Adamson, currently Southeast Regional Commercial Lending Executive, promoted to SVP Director of Commercial Lending effective July 10.","Cwiklinski will remain in an advisory capacity post-retirement to support transition.","She joined C&N in 2020 via the Covenant Bank merger and led commercial lending strategy including the Susquehanna Community Bank acquisition."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.25,"market_cap_usd":378039955.72104025,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":98992,"accession_number":"0001104659-26-051471","cik":810958,"company_name":"CITIZENS & NORTHERN CORP","ticker":"CZNC","form_type":"8-K","filed_at":"2026-04-29T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"C&N Q1 EPS sinks to $0.02 on $13.6M provision from $24M CRE loan charge-off","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Diluted EPS of $0.02 vs $0.41 a year ago and $0.25 in Q4 2025; net income $273,000.","Provision for credit losses $13.6M, up from $1.3M in Q4, driven by $10.8M net charge-offs on a $24M CRE loan in Bucks County, PA.","Nonperforming assets 1.33% of total assets, up from 1.06% in Q4; ACL expanded to 1.42% of loans.","Net interest margin rose 14 bps to 3.98%; PPNR remained strong at $14.1M.","Total loans up $30.5M from year-end; deposits up $35.3M; bank remains well-capitalized."],"consensus_eps_estimate":0.5916,"consensus_eps_actual":0.02,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2026-Q1","consensus_source":"xbrl+finnhub","sentiment":"negative","materiality_score":0.85,"calibrated_materiality_score":0.85,"market_cap_usd":378039955.72104025,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":98991,"accession_number":"0001104659-26-050181","cik":810958,"company_name":"CITIZENS & NORTHERN CORP","ticker":"CZNC","form_type":"8-K","filed_at":"2026-04-28T23:59:59+00:00","items":["5.07","9.01"],"status":"ready","headline":"CZNC annual meeting: directors elected, say-on-pay and auditor ratified","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Directors Dorwart, Scovill, Singer (Class III) and Trate (Class II) elected with over 8.6M votes in favor each.","Say-on-pay passed with 7,696,638 votes in favor (78.5% of votes cast, excluding broker non-votes).","Ratification of Crowe LLP as independent auditor approved by 12,276,726 votes in favor (99.5%).","69% of outstanding shares (12.36M of 17.91M) voted at the virtual meeting."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.15,"calibrated_materiality_score":0.15,"market_cap_usd":378039955.72104025,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":98990,"accession_number":"0001104659-26-047559","cik":810958,"company_name":"CITIZENS & NORTHERN CORP","ticker":"CZNC","form_type":"8-K","filed_at":"2026-04-23T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"CZNC declares $0.28 quarterly dividend payable May 15","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Regular quarterly cash dividend of $0.28 per share declared on April 23, 2026.","Dividend payable on May 15, 2026 to shareholders of record as of May 4, 2026.","C&N (NASDAQ: CZNC) continues its regular dividend schedule.","No change in dividend rate from prior quarter indicated."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":378039955.72104025,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":114756,"accession_number":"0001104659-26-007411","cik":810958,"company_name":"CITIZENS & NORTHERN CORP","ticker":"CZNC","form_type":"8-K","filed_at":"2026-01-28T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Citizens & Northern announces Q4/FY2025 results; no figures in filing text","summary_kind":"llm","event_type":"earnings","confidence":"low","bullets":["Press release issued on January 28, 2026 for quarter and year ended December 31, 2025.","Specific financial figures not included in the 8-K body; refer to Exhibit 99 for details.","No guidance or material changes disclosed in the filing excerpt."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":378039955.72104025,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":114755,"accession_number":"0001104659-26-005795","cik":810958,"company_name":"CITIZENS & NORTHERN CORP","ticker":"CZNC","form_type":"8-K","filed_at":"2026-01-22T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Citizens & Northern declares $0.28 regular quarterly dividend payable Feb 13, 2026","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Board declared a $0.28 per share cash dividend, payable February 13, 2026.","Record date for the dividend is February 2, 2026.","Dividend is a regular quarterly cash dividend; no change from prior rate indicated."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":378039955.72104025,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":131131,"accession_number":"0001104659-25-120335","cik":810958,"company_name":"CITIZENS & NORTHERN CORP","ticker":"CZNC","form_type":"8-K/A","filed_at":"2025-12-11T23:59:59+00:00","items":["9.01"],"status":"ready","headline":"C&N completes $44.6M Susquehanna merger; pro forma EPS $1.20 for 2024","summary_kind":"llm","event_type":"m_and_a","confidence":"high","bullets":["Merger consideration $44.6M: 0.8 C&N shares per Susquehanna share, price $19.64/share.","Pro forma total assets $3.256B; goodwill $11.5M, core deposit intangibles $10.2M.","Pro forma net income $21.2M (FY 2024) and $19.9M (9mo 2025); EPS $1.20 and $1.12.","C&N expects early adoption of ASU 2025-08 to eliminate Day 1 $4.1M provision for credit losses.","C&N sold most acquired securities for $143.2M; repaid Susquehanna's $45.8M short-term borrowing."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":378039955.72104025,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":131134,"accession_number":"0001104659-25-108359","cik":810958,"company_name":"CITIZENS & NORTHERN CORP","ticker":"CZNC","form_type":"8-K","filed_at":"2025-11-07T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Citizens & Northern presents at Piper Sandler conference; no specific updates provided","summary_kind":"llm","event_type":"other","confidence":"low","bullets":["CEO J. Bradley Scovill and CFO Mark A. Hughes to present at Piper Sandler Financial Services Conference on Nov 11, 2025.","Investor presentation attached as Exhibit 99.1; content not available for review.","Filing under Regulation FD; no material new information disclosed in the body of the 8-K."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.2,"market_cap_usd":378039955.72104025,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":131133,"accession_number":"0001104659-25-101823","cik":810958,"company_name":"CITIZENS & NORTHERN CORP","ticker":"CZNC","form_type":"8-K","filed_at":"2025-10-23T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"C&N Q3 2025 EPS $0.42; adj. EPS $0.47; dividend $0.28; merger closed Oct 1","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["GAAP net income $6.55M ($0.42 diluted EPS), up from $6.12M in Q2 2025 and $6.37M in Q3 2024.","Adjusted EPS (non-GAAP, excl. merger costs) $0.47; adjusted nine-month 2025 EPS $1.28.","Net interest margin expanded to 3.62% in Q3 2025 vs 3.52% in Q2 2025 and 3.29% in Q3 2024.","Completed merger with Susquehanna Community Financial on Oct 1, 2025; exchange ratio 0.80 CZNC shares per Susquehanna share.","Board declared $0.28/share quarterly dividend, payable Nov 14, 2025 to holders of record Nov 3, 2025."],"consensus_eps_estimate":0.5202,"consensus_eps_actual":1.22,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2025-Q3","consensus_source":"xbrl+finnhub","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":378039955.72104025,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":131132,"accession_number":"0001104659-25-095389","cik":810958,"company_name":"CITIZENS & NORTHERN CORP","ticker":"CZNC","form_type":"8-K","filed_at":"2025-10-01T23:59:59+00:00","items":["2.01","5.02","8.01","9.01"],"status":"ready","headline":"Citizens & Northern completes merger with Susquehanna Community Financial, exchange ratio 0.80","summary_kind":"llm","event_type":"m_and_a","confidence":"high","bullets":["Merger completed Oct 1, 2025; Susquehanna shareholders receive 0.80 C&N shares + cash for fractions.","Total merger consideration approx 2,273,000 shares of C&N common stock.","Christian C. Trate appointed to C&N and C&N Bank boards, term expires at next annual meeting.","David Runk (former Susquehanna CEO) and Jeffrey Hollenbach join C&N as Executive VPs."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":378039955.72104025,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":147717,"accession_number":"0001104659-25-092067","cik":810958,"company_name":"CITIZENS & NORTHERN CORP","ticker":"CZNC","form_type":"8-K","filed_at":"2025-09-22T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"CZNC receives all regulatory & shareholder approvals for Susquehanna merger; close Oct 1","summary_kind":"llm","event_type":"m_and_a","confidence":"high","bullets":["C&N (CZNC) obtains all required regulatory approvals or waivers and shareholder approval for the merger with Susquehanna (SQCF).","Merger agreement dated April 23, 2025; merger expected to close on October 1, 2025.","Susquehanna will merge into C&N, with C&N surviving; no change to C&N's Nasdaq listing."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":378039955.72104025,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":147716,"accession_number":"0001104659-25-088983","cik":810958,"company_name":"CITIZENS & NORTHERN CORP","ticker":"CZNC","form_type":"8-K","filed_at":"2025-09-10T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"Director Susan E. Hartley retires from Citizens & Northern board effective Sept 8, 2025","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Susan E. Hartley retired as director of Citizens & Northern Corp. and its bank unit, effective Sept. 8, 2025.","Retirement is to focus on health matters; no replacement has been announced.","The departure creates a board vacancy at the company (ticker: CZNC)."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":378039955.72104025,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":147715,"accession_number":"0001558370-25-009537","cik":810958,"company_name":"CITIZENS & NORTHERN CORP","ticker":"CZNC","form_type":"8-K","filed_at":"2025-07-24T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"C&N reports Q2 EPS $0.40, dividend $0.28, merger with Susquehanna on track for Q4 2025","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Q2 2025 net income $6.117M ($0.40 diluted EPS) vs $6.113M ($0.40) YoY; net interest margin expanded to 3.52%.","Provision for credit losses spiked to $2.354M in Q2 vs $236K Q1 due to higher ACL on economic factors.","Dividend declared $0.28/share, payable Aug 15, 2025 to holders of record Aug 4, 2025.","Merger with Susquehanna Community Financial (7 branches) expected to close Q4 2025, pending approvals.","Nonperforming assets rose to $25.698M (0.98% of assets) from $19.780M a year ago."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":378039955.72104025,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":166397,"accession_number":"0001558370-25-005706","cik":810958,"company_name":"CITIZENS & NORTHERN CORP","ticker":"CZNC","form_type":"8-K","filed_at":"2025-04-28T23:59:59+00:00","items":["5.07","9.01"],"status":"ready","headline":"Citizens & Northern annual meeting results: all director nominees elected, say-on-pay and auditor ratified","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Class II directors Hartley, Lambert, Santiago, Shattuck each elected with 6.3M-6.9M votes in favor.","Say-on-pay proposal approved: 4,925,878 for, 2,023,566 against, 178,973 abstentions.","Ratification of Crowe LLP as auditor for 2025 passed with 10,066,225 for, 93,438 against.","Approximately 66% of outstanding shares voted (10.2M of 15.5M shares)."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.15,"market_cap_usd":378039955.72104025,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":166396,"accession_number":"0001558370-25-005276","cik":810958,"company_name":"CITIZENS & NORTHERN CORP","ticker":"CZNC","form_type":"8-K","filed_at":"2025-04-23T23:59:59+00:00","items":["1.01","7.01","9.01"],"status":"ready","headline":"CZNC to acquire SQCF in $44.3M stock-for-stock merger; ~17% EPS accretive","summary_kind":"llm","event_type":"m_and_a","confidence":"high","bullets":["Exchange ratio 0.80 CZNC shares per SQCF share; total consideration ~$44.3M based on $19.48 CZNC close.","Combined assets ~$3.2B; SQCF shareholders own ~13% of pro forma CZNC.","Expected ~17% EPS accretion in 2026 with single-digit tangible book value dilution at close.","Transaction to close in Q4 2025; regulatory approvals and SQCF shareholder vote required.","Chris Trate joins C&N board; Dave Runk as EVP/Strategic Advisor; Jeffrey Hollenbach as Region President."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"market_cap_usd":378039955.72104025,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":166395,"accession_number":"0001558370-25-005252","cik":810958,"company_name":"CITIZENS & NORTHERN CORP","ticker":"CZNC","form_type":"8-K","filed_at":"2025-04-23T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"C&N Q1 net income $6.3M ($0.41 EPS), up 18.6% YoY; net interest margin improves to 3.38%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income of $6,293,000 ($0.41 diluted EPS) up 18.6% from Q1 2024 ($5.3M, $0.35) but down from Q4 2024 ($8.2M, $0.53).","Net interest margin improved to 3.38% from 3.30% in Q4 2024 and 3.29% in Q1 2024.","Dividend declared $0.28 per share, payable May 15, 2025 to holders of record May 4, 2025, unchanged.","Nonperforming loans increased to $24.1M (1.27% of total loans) vs $24.0M at Dec 31, 2024 and $19.3M a year ago.","Provision for credit losses of $236,000 vs a credit of $531,000 in Q4 2024 and provision of $954,000 in Q1 2024."],"consensus_eps_estimate":null,"consensus_eps_actual":0.41,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2025-Q1","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":378039955.72104025,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":183841,"accession_number":"0001558370-25-000359","cik":810958,"company_name":"CITIZENS & NORTHERN CORP","ticker":"CZNC","form_type":"8-K","filed_at":"2025-01-23T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"C&N reports Q4 net income $8.2M ($0.53 EPS), up 92% YoY; declares $0.28 dividend","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income Q4 2024 $8.174M ($0.53 diluted EPS) vs $4.261M ($0.28) in Q4 2023, up 92% YoY.","Net interest margin 3.30% for Q4, flat with Q3 and down 1bp YoY; net interest income $20.473M.","Credit for credit losses of $531K in Q4 vs provision of $1.207M in Q3; ACL 1.06% of loans.","Nonperforming loans $24.0M (1.26% of loans) at Dec 31, up from $18.4M (0.99%) a year ago.","Declared $0.28 quarterly dividend, payable Feb 14, 2025; no shares repurchased in Q4."],"consensus_eps_estimate":null,"consensus_eps_actual":1.69,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2024-FY","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":378039955.72104025,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":200437,"accession_number":"0001558370-24-013367","cik":810958,"company_name":"CITIZENS & NORTHERN CORP","ticker":"CZNC","form_type":"8-K","filed_at":"2024-10-17T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"C&N Q3 2024 EPS $0.41, down 18% YoY; nonperforming loans rise to 1.29%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $6.365M ($0.41 diluted EPS) vs $7.591M ($0.50) in Q3 2023, down 16.2%.","Net interest income $20.156M, up $493K QoQ; net interest margin 3.29% vs 3.35% YoY.","Provision for credit losses $1.207M in Q3 2024 vs a credit of $1.225M in Q3 2023.","Nonperforming loans $24.5M, 1.29% of total loans, up from 1.04% at June 30, 2024.","Quarterly dividend maintained at $0.28/share; payable Nov 8, 2024 to record Oct 28."],"consensus_eps_estimate":null,"consensus_eps_actual":1.16,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2024-Q3","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":378039955.72104025,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":216465,"accession_number":"0001558370-24-010437","cik":810958,"company_name":"CITIZENS & NORTHERN CORP","ticker":"CZNC","form_type":"8-K","filed_at":"2024-07-31T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"Citizens & Northern grants CEO J. Bradley Scovill 20,000 shares of restricted stock","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Grant of 20,000 restricted shares to CEO J. Bradley Scovill on July 30, 2024.","Shares vest on April 30, 2027, with accelerated vesting upon termination without cause or for good reason.","Grant is part of amended employment agreement effective May 22, 2024.","Recipient receives voting rights and dividends on restricted shares prior to vesting."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":378039955.72104025,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":216464,"accession_number":"0001558370-24-009891","cik":810958,"company_name":"CITIZENS & NORTHERN CORP","ticker":"CZNC","form_type":"8-K","filed_at":"2024-07-18T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"C&N Q2 net income $6.1M ($0.40 EPS); declares $0.28 dividend","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $6,113k ($0.40 diluted EPS) in Q2 2024, up from $5,306k ($0.35) in Q1 2024 and $6,043k ($0.39) in Q2 2023.","Net interest margin 3.31% in Q2 2024, down from 3.53% in Q2 2023; spread decreased 0.37%.","Total deposits increased $63.4M (3.2%) from Q1 2024; excluding brokered deposits up $73.3M (3.8%).","Regular quarterly dividend of $0.28/share declared, payable Aug 9, 2024 to holders of record Jul 29, 2024."],"consensus_eps_estimate":null,"consensus_eps_actual":0.74,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2024-Q2","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":378039955.72104025,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":236060,"accession_number":"0001558370-24-008654","cik":810958,"company_name":"CITIZENS & NORTHERN CORP","ticker":"CZNC","form_type":"8-K","filed_at":"2024-05-28T23:59:59+00:00","items":["1.01","9.01"],"status":"ready","headline":"CEO Scovill extends term to April 2027; receives 20,000 restricted stock shares as retention incentive","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Term extended through April 30, 2027; one-time grant of 20,000 restricted shares vests on that date, accelerating on termination without cause or for good reason.","Upon termination without cause or for good reason, all outstanding equity grants continue vesting; performance-based awards prorated based on days served.","Annual base salary maintained at $592,000; eligible for annual bonus, car allowance, country club dues, and employee benefits.","Change-in-control termination triggers lump sum of 2.99x highest annual compensation plus 36-month continuation of health/welfare benefits."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":378039955.72104025,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":236059,"accession_number":"0001558370-24-008114","cik":810958,"company_name":"CITIZENS & NORTHERN CORP","ticker":"CZNC","form_type":"8-K","filed_at":"2024-05-14T23:59:59+00:00","items":["4.01","9.01"],"status":"ready","headline":"Citizens & Northern appoints Crowe LLP as auditor for FY 2024, dismisses Baker Tilly","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Appointed Crowe LLP as independent auditor for year ending Dec 31, 2024; dismissed Baker Tilly effective May 10, 2024.","Baker Tilly's reports on FY 2022 and 2023 financials contained no adverse opinion or qualification.","No disagreements or reportable events with Baker Tilly during prior two fiscal years or interim period.","Company did not consult Crowe on accounting principles, audit opinions, or disagreements prior to appointment.","Baker Tilly provided letter to SEC agreeing with statements in this 8-K."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":378039955.72104025,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":236058,"accession_number":"0001558370-24-006217","cik":810958,"company_name":"CITIZENS & NORTHERN CORP","ticker":"CZNC","form_type":"8-K","filed_at":"2024-04-30T23:59:59+00:00","items":["5.07","9.01"],"status":"ready","headline":"Citizens & Northern Corp annual meeting elects directors, approves say-on-pay, ratifies auditor","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Class I directors Kilmer, Lehman, Loughery, Pellegrino elected; votes for ranged from 5.5M to 6.6M of ~6.96M votes cast.","Say-on-pay advisory vote passed: 5.48M for, 1.21M against, 0.27M abstain, 3.53M broker non-votes.","Ratification of Baker Tilly as auditor approved: 10.11M for, 0.09M against, 0.07M abstain.","Meeting held April 25, 2024; 10.49M shares (68% of 15.34M outstanding) present or represented."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.15,"market_cap_usd":378039955.72104025,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":236057,"accession_number":"0001558370-24-005732","cik":810958,"company_name":"CITIZENS & NORTHERN CORP","ticker":"CZNC","form_type":"8-K","filed_at":"2024-04-25T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"C&N Q1 net income down 15% YoY to $0.35 EPS; NIM narrows, credit costs rise","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $5.306M ($0.35 diluted) vs $6.253M ($0.40) in Q1 2023.","Net interest margin contracted to 3.29% from 3.71% a year ago.","Provision for credit losses turned to $954K expense vs a $352K credit in Q1 2023.","Nonperforming loans rose to 1.03% of total loans from 0.81% YoY.","Quarterly dividend held at $0.28/share, payable May 17, 2024."],"consensus_eps_estimate":null,"consensus_eps_actual":0.35,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2024-Q1","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":378039955.72104025,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":253803,"accession_number":"0001558370-24-000360","cik":810958,"company_name":"CITIZENS & NORTHERN CORP","ticker":"CZNC","form_type":"8-K","filed_at":"2024-01-18T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"C&N Q4 EPS $0.28 vs $0.50 YoY; full-year EPS $1.57 vs $1.71; dividend unchanged at $0.28","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q4 net income $4.261M ($0.28 diluted EPS) vs $7.779M ($0.50) in Q4 2022, down 45%.","Full-year 2023 net income $24.148M ($1.57 diluted EPS) vs $26.618M ($1.71) in 2022.","Repositioning of securities and BOLI incurred a net charge of $1.253M ($0.08 per share) in Q4.","Dividend declared $0.28/share, payable Feb 9, 2024 to holders of record Jan 29, 2024.","Net interest margin fell to 3.31% in Q4 2023 from 3.89% in Q4 2022; loans grew 6.2% YoY."],"consensus_eps_estimate":null,"consensus_eps_actual":1.57,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2023-FY","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":378039955.72104025,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":253802,"accession_number":"0001558370-24-000063","cik":810958,"company_name":"CITIZENS & NORTHERN CORP","ticker":"CZNC","form_type":"8-K","filed_at":"2024-01-04T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Citizens & Northern reprices AFS securities and BOLI; Q4 charge $0.08/sh expects recovery in 2024","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Sold $45.5M AFS debt securities, pre-tax loss of $3.0M; purchased $13.7M new AFS securities yielding 4.83%.","Initiated surrender of $14.3M BOLI (tax charge ~$950k); purchased $30M new BOLI yielding 4.41% vs 2.20%.","Net Q4 2023 charge to earnings of $1.253M ($0.08 diluted EPS); management expects recovery in <1 year.","Estimated positive contribution of $1.5M to net income in 2024 from reinvestment at higher yields.","New BOLI taxable-equivalent yield 5.58%; sold AFS book yield 1.42% with 2.7-year average life."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":378039955.72104025,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":271236,"accession_number":"0001558370-23-016538","cik":810958,"company_name":"CITIZENS & NORTHERN CORP","ticker":"CZNC","form_type":"8-K","filed_at":"2023-10-19T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"C&N Q3 net income $7.6M ($0.50 EPS) up from $0.29 YoY; net interest margin 3.35%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $7,591,000, diluted EPS $0.50 (vs $0.39 in Q2 2023 and $0.29 in Q3 2022).","Net interest margin 3.35%, down from 3.53% Q2 2023 and 3.69% Q3 2022.","Credit for credit losses of $1,225,000 (Q3) vs provision of $812,000 in Q2 2023 and $3,794,000 in Q3 2022.","Dividend of $0.28 per share declared, payable Nov 10, 2023 to holders of record Oct 30, 2023.","Nonperforming loans 0.92% of total loans; uninsured deposits 29.5% of bank deposits."],"consensus_eps_estimate":null,"consensus_eps_actual":1.29,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2023-Q3","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":378039955.72104025,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":288115,"accession_number":"0001558370-23-015997","cik":810958,"company_name":"CITIZENS & NORTHERN CORP","ticker":"CZNC","form_type":"8-K","filed_at":"2023-09-25T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Citizens & Northern Corp authorizes new buyback of up to 750,000 shares (~5% outstanding)","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Board approved repurchase of up to 750,000 shares, or ~5% of outstanding as of Aug 4, 2023.","Prior program completed repurchase of 1,000,000 shares at avg $23.09/share for total $23.086M.","New program effective immediately and continues indefinitely until suspended or terminated.","Repurchased shares will be held as treasury for dividend reinvestment and equity compensation plans."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":378039955.72104025,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":288114,"accession_number":"0001558370-23-012017","cik":810958,"company_name":"CITIZENS & NORTHERN CORP","ticker":"CZNC","form_type":"8-K","filed_at":"2023-07-20T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"CZNC Q2 EPS falls 19% YoY to $0.39; declares $0.28 dividend","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q2 net income $6.0M ($0.39 diluted EPS) vs $7.5M ($0.48) in Q2 2022.","Dividend of $0.28 per share declared, payable Aug 11, 2023 to holders of record July 31.","Total loans grew $69.4M (15.9% annualized) from Q1; commercial loans up 8.5% YoY.","Nonperforming loans improved to 0.77% of total loans from 0.81% in Q1 and 1.46% year-end.","Uninsured deposits 29.9% of total; available liquidity 254% of uninsured & uncollateralized deposits."],"consensus_eps_estimate":null,"consensus_eps_actual":0.8,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2023-Q2","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":378039955.72104025,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":288113,"accession_number":"0001558370-23-011789","cik":810958,"company_name":"CITIZENS & NORTHERN CORP","ticker":"CZNC","form_type":"8-K","filed_at":"2023-07-11T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Citizens & Northern completes repurchase of 1,000,000 shares under authorized program","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Repurchased 1,000,000 shares over ~24 months, the maximum authorized under the program.","All repurchased shares are held as treasury and available for DRIP, equity compensation, and other uses.","Board has not adopted a new repurchase program but may consider one depending on market conditions."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":378039955.72104025,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":308527,"accession_number":"0001558370-23-011213","cik":810958,"company_name":"CITIZENS & NORTHERN CORP","ticker":"CZNC","form_type":"8-K/A","filed_at":"2023-06-20T23:59:59+00:00","items":["5.07","9.01"],"status":"ready","headline":"CZNC Board adopts annual advisory vote on executive compensation through 2029","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Shareholders voted 6,390,245 in favor of 1-year frequency, 216,285 for 2 years, 633,815 for 3 years.","Board determined to hold advisory vote on executive compensation every year until next frequency vote.","Next required frequency vote must occur no later than the 2029 Annual Meeting."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":378039955.72104025,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":308530,"accession_number":"0001558370-23-011120","cik":810958,"company_name":"CITIZENS & NORTHERN CORP","ticker":"CZNC","form_type":"8-K","filed_at":"2023-06-15T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Citizens & Northern presents at Piper Sandler conference; no material new info in filing","summary_kind":"llm","event_type":"other","confidence":"low","bullets":["CEO J. Bradley Scovill and CFO Mark A. Hughes presented at Piper Sandler 2023 Philly Bank Bonanza on June 15, 2023.","Investor presentation attached as Exhibit 99.1 contains only cautionary language and no disclosed financial highlights.","No specific guidance or material developments were provided in the filing or available exhibit portion."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.2,"market_cap_usd":378039955.72104025,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":308529,"accession_number":"0000810958-23-000008","cik":810958,"company_name":"CITIZENS & NORTHERN CORP","ticker":"CZNC","form_type":"8-K","filed_at":"2023-04-24T23:59:59+00:00","items":["5.07","9.01"],"status":"ready","headline":"Shareholders elect Dorwart, Scovill, Singer as directors; equity plan approved","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Class III directors elected: Dorwart (7.1M for), Scovill (7.1M for), Singer (6.7M for) with 3.45M broker non-votes each.","Advisory say-on-pay passed with 6.3M for vs 0.9M against; 1-year frequency selected with 6.4M votes.","2023 Equity Incentive Plan approved: 6.9M for, 0.4M against.","Baker Tilly ratified as auditor with 10.5M for, 0.2M against; ~10.9M shares voted, ~70% turnout."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.15,"market_cap_usd":378039955.72104025,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":308528,"accession_number":"0001558370-23-006295","cik":810958,"company_name":"CITIZENS & NORTHERN CORP","ticker":"CZNC","form_type":"8-K","filed_at":"2023-04-20T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"C&N Q1 EPS $0.40, down 9% YoY; deposits fall $81.6M; NIM 3.71%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $6.25M ($0.40 diluted EPS) vs $6.90M ($0.44) in Q1 2022, down 9.3%.","Net interest margin 3.71%, down from 3.86% a year ago; net interest income $20.78M, up $449K YoY.","Total deposits fell $81.6M (-4.1%) from Dec 2022; uninsured deposits 31.7% of total.","Nonperforming loans dropped to $14.1M from $25.3M; credit for losses of $352K vs provision $2.26M in Q4.","Dividend $0.28/share declared, payable May 12; CECL adoption cut retained earnings $1.65M."],"consensus_eps_estimate":null,"consensus_eps_actual":0.4,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2023-Q1","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":378039955.72104025,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":327338,"accession_number":"0000810958-23-000004","cik":810958,"company_name":"CITIZENS & NORTHERN CORP","ticker":"CZNC","form_type":"8-K","filed_at":"2023-02-17T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"Director Timothy E. Schoener to retire from Citizens & Northern board at April 2023 annual meeting","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Timothy E. Schoener notified the board of his intent to retire as a director.","Retirement effective at the 2023 Annual Meeting of Shareholders on April 20, 2023.","Schoener served on the boards of both Citizens & Northern Corporation and its banking subsidiary."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":378039955.72104025,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":327337,"accession_number":"0001558370-23-000630","cik":810958,"company_name":"CITIZENS & NORTHERN CORP","ticker":"CZNC","form_type":"8-K","filed_at":"2023-01-26T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"C&N Q4 EPS $0.50, full-year EPS $1.71; 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declares $0.28 dividend","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q3 2022 net income $4.455M ($0.29 diluted EPS) vs $7.399M ($0.47) in Q3 2021, a decline of 40%.","Provision for loan losses surged to $3.794M from $1.530M, including a $2.16M partial charge-off on a commercial real estate loan.","Net interest income rose 7.3% to $20.879M, but noninterest expense increased 13.7% to $17.443M.","Declared quarterly cash dividend of $0.28/share, payable Nov 11, 2022 to holders of record Oct 31, 2022.","Nonperforming assets increased to 0.87% of total assets, up from 0.62% at June 30, 2022."],"consensus_eps_estimate":null,"consensus_eps_actual":1.21,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2022-Q3","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":378039955.72104025,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":361523,"accession_number":"0000810958-22-000006","cik":810958,"company_name":"CITIZENS & NORTHERN CORP","ticker":"CZNC","form_type":"8-K","filed_at":"2022-07-21T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"C&N Q2 2022 EPS $0.48, up from $0.44 in Q1; 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PPP up 13.2% annualized from Q1; total loans ex. PPP up 8.2% from Q1.","Nonperforming assets ratio improved to 0.62% from 0.81% in Q1 2022 and 1.12% in Q2 2021.","Quarterly cash dividend of $0.28/share declared, payable Aug 12, 2022 to holders of record Aug 1.","Repurchased 235,505 shares at avg $24.21 in Q2; $14.8M nonperforming assets."],"consensus_eps_estimate":null,"consensus_eps_actual":0.92,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2022-Q2","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":378039955.72104025,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":380857,"accession_number":"0000810958-22-000004","cik":810958,"company_name":"CITIZENS & NORTHERN CORP","ticker":"CZNC","form_type":"8-K","filed_at":"2022-06-16T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Citizens & Northern presents at Piper Sandler Philly Bank Bonanza; no new financial details","summary_kind":"llm","event_type":"other_material","confidence":"low","bullets":["CEO J. Bradley Scovill and CFO Mark A. Hughes present at Piper Sandler conference on June 16, 2022.","Investor presentation attached as Exhibit 99.1; no material updates beyond routine conference participation.","No financial results, guidance changes, or strategic announcements disclosed in the filing."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.15,"calibrated_materiality_score":0.15,"market_cap_usd":378039955.72104025,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":380856,"accession_number":"0001558370-22-005853","cik":810958,"company_name":"CITIZENS & NORTHERN CORP","ticker":"CZNC","form_type":"8-K","filed_at":"2022-04-25T23:59:59+00:00","items":["5.07","9.01"],"status":"ready","headline":"Citizens & Northern shareholders approve increase in authorized shares to 30M at annual meeting","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Four Class II directors elected: Hartley (7.3M for), Lambert (7.7M), Santiago (7.8M), Shattuck (7.8M); broker non-votes 3.5M each.","Say-on-pay advisory vote passed with 7.4M in favor, 383k against, 239k abstain.","Authorized common stock increased from 20M to 30M shares; 10.7M for, 708k against, 114k abstain.","Ratification of Baker Tilly as auditor for FY2022 passed with 11.1M in favor, 310k against, 117k abstain.","Approximately 73% of outstanding shares (11.5M of 15.8M) were present at the meeting."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.15,"market_cap_usd":378039955.72104025,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":380855,"accession_number":"0001558370-22-005722","cik":810958,"company_name":"CITIZENS & NORTHERN CORP","ticker":"CZNC","form_type":"8-K","filed_at":"2022-04-21T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Citizens & Northern Q1 net income $6.9M ($0.44/dil), down 21.5% YoY; dividend raised to $0.28","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $6.9M ($0.44/dil) vs $8.8M ($0.55/dil) YoY; diluted EPS down 20%.","Net interest income $20.3M (+1.2% YoY) aided by $1.4M in purchased credit impaired loan recoveries.","Provision for loan losses $891k, up 244% from $259k YoY; allowance/total loans 0.93%.","Dividend $0.28/share (+3.7% YoY), payable May 13, 2022 to holders of record May 2.","Equity fell 7.9% YoY to $276.2M, driven by $20.5M AOCI loss from rising interest rates."],"consensus_eps_estimate":null,"consensus_eps_actual":0.44,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2022-Q1","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":378039955.72104025,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":398927,"accession_number":"0001558370-22-001422","cik":810958,"company_name":"CITIZENS & NORTHERN CORP","ticker":"CZNC","form_type":"8-K","filed_at":"2022-02-18T23:59:59+00:00","items":["5.02","5.03","9.01"],"status":"ready","headline":"Director Clark S. 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Frame communicated intent to retire as director effective March 17, 2022.","Board adopted majority vote standard for uncontested director elections (new Section 1.6 of By-laws).","Under new bylaw, a nominee failing to receive majority of votes cast must tender resignation; board decides within 120 days.","Bylaw amendment effective immediately as part of corporate governance review."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":378039955.72104025,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":398926,"accession_number":"0001558370-22-000332","cik":810958,"company_name":"CITIZENS & NORTHERN CORP","ticker":"CZNC","form_type":"8-K","filed_at":"2022-01-20T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"C&N reports record 2021 net income of $30.6M; declares $0.28 quarterly dividend","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Full-year diluted EPS $1.92, up from $1.30 in 2020 (GAAP); adjusted non-GAAP EPS $1.92 vs $1.80.","Q4 net income $7.3M ($0.46/diluted share) vs $6.8M ($0.43) in Q4 2020.","Net interest income for 2021 $77.9M, up $10.4M YoY; net interest margin 3.69%.","Nonperforming assets to total assets improved to 0.94% at Dec 2021 from 1.10% a year earlier.","Loan loss provision $3.66M in 2021 vs $3.91M in 2020; commercial loans ex-PPP grew $76M."],"consensus_eps_estimate":null,"consensus_eps_actual":1.92,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2021-FY","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":378039955.72104025,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":417889,"accession_number":"0001558370-21-013352","cik":810958,"company_name":"CITIZENS & NORTHERN CORP","ticker":"CZNC","form_type":"8-K","filed_at":"2021-10-21T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"C&N Q3 2021 EPS $0.47, up from $0.18 YoY; declares $0.28 dividend","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["GAAP diluted EPS $0.47 in Q3 2021, up from $0.44 QoQ and $0.18 YoY.","Non-GAAP adjusted EPS $0.47 vs $0.50 in Q3 2020 on exclusion of merger expenses.","Board declares $0.28/share cash dividend, payable Nov 12, 2021 to record Nov 1, 2021.","Net interest income $19.46M, up $0.78M QoQ; net interest margin 3.59% vs 3.52%.","Provision for loan losses $1.53M, includes $1.19M net charge-off on a commercial loan."],"consensus_eps_estimate":null,"consensus_eps_actual":1.46,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2021-Q3","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":378039955.72104025,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":435470,"accession_number":"0001558370-21-009087","cik":810958,"company_name":"CITIZENS & NORTHERN CORP","ticker":"CZNC","form_type":"8-K","filed_at":"2021-07-22T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"CZNC Q2 2021 EPS $0.44, down from Q1 $0.55; declares $0.28 dividend","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $7.06M ($0.44/sh) in Q2 2021, down from $8.79M ($0.55) in Q1; up from $5.44M ($0.39) in Q2 2020.","Dividend of $0.28 per share declared, payable Aug 13, 2021 to holders of record Aug 2, 2021.","Net interest margin fell to 3.52% from 4.00% in Q1, with PPP loan fee income down $749K.","Provision for loan losses $744K, up from $259K in Q1 and a $176K credit in Q2 2020.","Total assets $2.34B, up 34% YoY; nonperforming assets ratio 1.12% at June 30, 2021."],"consensus_eps_estimate":null,"consensus_eps_actual":0.99,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2021-Q2","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":378039955.72104025,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null}],"next_cursor":null}