CZNC CITIZENS & NORTHERN CORP

CIK 0000810958 47 ready 8-Ks latest July 23, 2026, 4:10 PM ET RSS · JSON

Activity: QUIET 0 filings / 30d vs 1 baseline

Ready 8-Ks 47

Latest filing July 23, 2026, 4:10 PM ET

Top materiality 0.85

Event mix earnings ×20 · other_material ×9 · leadership ×6

Sentiment 11 pos · 9 neg · 27 neu

Latest earnings ▼ miss 2026-Q1

Executive change recent →

Recent 8-K filings for CZNC

Highest-materiality recent filing

C&N Q1 EPS sinks to $0.02 on $13.6M provision from $24M CRE loan charge-off

April 29, 2026, 7:59 PM ET earnings materiality 0.85 negative item 2.02 item 9.01 ◈ Earnings Releases

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.

Read filing →

July 23, 2026, 4:10 PM ET earnings materiality 0.50 neutral item 2.02 item 9.01

C&N declares dividend and reports Q2 2026 unaudited results

Company announced unaudited consolidated financial results for Q2 and H1 2026.
May 11, 2026, 10:24 AM ET leadership materiality 0.25 neutral item 5.02 item 8.01 item 9.01

C&N chief lending officer Cwiklinski retiring July 10; Adamson promoted

Kelley Cwiklinski, EVP and Chief Lending Officer, will retire effective July 10, 2026, after 41 years in banking.
April 29, 2026, 7:59 PM ET earnings materiality 0.85 negative item 2.02 item 9.01 ◈ Earnings Releases

C&N Q1 EPS sinks to $0.02 on $13.6M provision from $24M CRE loan charge-off

Diluted EPS of $0.02 vs $0.41 a year ago and $0.25 in Q4 2025; net income $273,000.
April 28, 2026, 7:59 PM ET other materiality 0.15 neutral item 5.07 item 9.01

CZNC annual meeting: directors elected, say-on-pay and auditor ratified

Directors Dorwart, Scovill, Singer (Class III) and Trate (Class II) elected with over 8.6M votes in favor each.
April 23, 2026, 7:59 PM ET dividend materiality 0.50 neutral item 8.01 item 9.01

CZNC declares $0.28 quarterly dividend payable May 15

Regular quarterly cash dividend of $0.28 per share declared on April 23, 2026.
January 28, 2026, 6:59 PM ET earnings materiality 0.50 neutral item 2.02 item 9.01

Citizens & Northern announces Q4/FY2025 results; no figures in filing text

Press release issued on January 28, 2026 for quarter and year ended December 31, 2025.
January 22, 2026, 6:59 PM ET dividend materiality 0.30 neutral item 8.01 item 9.01

Citizens & Northern declares $0.28 regular quarterly dividend payable Feb 13, 2026

Board declared a $0.28 per share cash dividend, payable February 13, 2026.
December 11, 2025, 6:59 PM ET M&A materiality 0.75 neutral item 9.01

C&N completes $44.6M Susquehanna merger; pro forma EPS $1.20 for 2024

Merger consideration $44.6M: 0.8 C&N shares per Susquehanna share, price $19.64/share.
November 7, 2025, 6:59 PM ET other materiality 0.20 neutral item 7.01 item 9.01

Citizens & Northern presents at Piper Sandler conference; no specific updates provided

CEO J. Bradley Scovill and CFO Mark A. Hughes to present at Piper Sandler Financial Services Conference on Nov 11, 2025.
October 23, 2025, 7:59 PM ET earnings materiality 0.65 positive item 2.02 item 9.01

C&N Q3 2025 EPS $0.42; adj. EPS $0.47; dividend $0.28; merger closed Oct 1

GAAP net income $6.55M ($0.42 diluted EPS), up from $6.12M in Q2 2025 and $6.37M in Q3 2024.
October 1, 2025, 7:59 PM ET M&A materiality 0.75 positive item 2.01 item 5.02 item 8.01 item 9.01 ◈ M&A Transactions

Citizens & Northern completes merger with Susquehanna Community Financial, exchange ratio 0.80

Merger completed Oct 1, 2025; Susquehanna shareholders receive 0.80 C&N shares + cash for fractions.
September 22, 2025, 7:59 PM ET M&A materiality 0.60 positive item 8.01 item 9.01

CZNC receives all regulatory & shareholder approvals for Susquehanna merger; close Oct 1

C&N (CZNC) obtains all required regulatory approvals or waivers and shareholder approval for the merger with Susquehanna (SQCF).
September 10, 2025, 7:59 PM ET leadership materiality 0.30 neutral item 5.02 item 9.01

Director Susan E. Hartley retires from Citizens & Northern board effective Sept 8, 2025

Susan E. Hartley retired as director of Citizens & Northern Corp. and its bank unit, effective Sept. 8, 2025.
July 24, 2025, 7:59 PM ET other material materiality 0.70 neutral item 2.02 item 9.01

C&N reports Q2 EPS $0.40, dividend $0.28, merger with Susquehanna on track for Q4 2025

Q2 2025 net income $6.117M ($0.40 diluted EPS) vs $6.113M ($0.40) YoY; net interest margin expanded to 3.52%.
April 28, 2025, 7:59 PM ET other materiality 0.15 neutral item 5.07 item 9.01

Citizens & Northern annual meeting results: all director nominees elected, say-on-pay and auditor ratified

Class II directors Hartley, Lambert, Santiago, Shattuck each elected with 6.3M-6.9M votes in favor.
April 23, 2025, 7:59 PM ET earnings materiality 0.60 neutral item 2.02 item 9.01

C&N Q1 net income $6.3M ($0.41 EPS), up 18.6% YoY; net interest margin improves to 3.38%

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).
April 23, 2025, 7:59 PM ET M&A materiality 0.85 positive item 1.01 item 7.01 item 9.01

CZNC to acquire SQCF in $44.3M stock-for-stock merger; ~17% EPS accretive

Exchange ratio 0.80 CZNC shares per SQCF share; total consideration ~$44.3M based on $19.48 CZNC close.
January 23, 2025, 6:59 PM ET earnings materiality 0.65 positive item 2.02 item 9.01

C&N reports Q4 net income $8.2M ($0.53 EPS), up 92% YoY; declares $0.28 dividend

Net income Q4 2024 $8.174M ($0.53 diluted EPS) vs $4.261M ($0.28) in Q4 2023, up 92% YoY.
October 17, 2024, 7:59 PM ET earnings materiality 0.65 negative item 2.02 item 9.01

C&N Q3 2024 EPS $0.41, down 18% YoY; nonperforming loans rise to 1.29%

Net income $6.365M ($0.41 diluted EPS) vs $7.591M ($0.50) in Q3 2023, down 16.2%.
July 31, 2024, 7:59 PM ET leadership materiality 0.50 neutral item 5.02 item 9.01

Citizens & Northern grants CEO J. Bradley Scovill 20,000 shares of restricted stock

Grant of 20,000 restricted shares to CEO J. Bradley Scovill on July 30, 2024.
July 18, 2024, 7:59 PM ET earnings materiality 0.55 neutral item 2.02 item 9.01

C&N Q2 net income $6.1M ($0.40 EPS); declares $0.28 dividend

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.
May 28, 2024, 7:59 PM ET leadership materiality 0.60 neutral item 1.01 item 9.01

CEO Scovill extends term to April 2027; receives 20,000 restricted stock shares as retention incentive

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.
May 14, 2024, 7:59 PM ET other material materiality 0.30 neutral item 4.01 item 9.01 ◈ Auditor Changes ×2

Citizens & Northern appoints Crowe LLP as auditor for FY 2024, dismisses Baker Tilly

Appointed Crowe LLP as independent auditor for year ending Dec 31, 2024; dismissed Baker Tilly effective May 10, 2024.
April 30, 2024, 7:59 PM ET other material materiality 0.15 neutral item 5.07 item 9.01 ◈ Shareholder Votes ×3

Citizens & Northern Corp annual meeting elects directors, approves say-on-pay, ratifies auditor

Class I directors Kilmer, Lehman, Loughery, Pellegrino elected; votes for ranged from 5.5M to 6.6M of ~6.96M votes cast.
April 25, 2024, 7:59 PM ET earnings materiality 0.70 negative item 2.02 item 9.01 ◈ Earnings Releases

C&N Q1 net income down 15% YoY to $0.35 EPS; NIM narrows, credit costs rise

Net income $5.306M ($0.35 diluted) vs $6.253M ($0.40) in Q1 2023.
January 18, 2024, 6:59 PM ET earnings materiality 0.70 negative item 2.02 item 9.01 ◈ Earnings Releases

C&N Q4 EPS $0.28 vs $0.50 YoY; full-year EPS $1.57 vs $1.71; dividend unchanged at $0.28

Q4 net income $4.261M ($0.28 diluted EPS) vs $7.779M ($0.50) in Q4 2022, down 45%.
January 4, 2024, 6:59 PM ET other material materiality 0.55 positive item 8.01 item 9.01

Citizens & Northern reprices AFS securities and BOLI; Q4 charge $0.08/sh expects recovery in 2024

Sold $45.5M AFS debt securities, pre-tax loss of $3.0M; purchased $13.7M new AFS securities yielding 4.83%.
October 19, 2023, 7:59 PM ET earnings materiality 0.70 positive item 2.02 item 9.01 ◈ Earnings Releases

C&N Q3 net income $7.6M ($0.50 EPS) up from $0.29 YoY; net interest margin 3.35%

Net income $7,591,000, diluted EPS $0.50 (vs $0.39 in Q2 2023 and $0.29 in Q3 2022).
September 25, 2023, 7:59 PM ET other material materiality 0.65 positive item 8.01 item 9.01

Citizens & Northern Corp authorizes new buyback of up to 750,000 shares (~5% outstanding)

Board approved repurchase of up to 750,000 shares, or ~5% of outstanding as of Aug 4, 2023.
July 20, 2023, 7:59 PM ET earnings materiality 0.65 negative item 2.02 item 9.01 ◈ Earnings Releases ×2

CZNC Q2 EPS falls 19% YoY to $0.39; declares $0.28 dividend

Q2 net income $6.0M ($0.39 diluted EPS) vs $7.5M ($0.48) in Q2 2022.
July 11, 2023, 7:59 PM ET other material materiality 0.50 neutral item 7.01 item 9.01

Citizens & Northern completes repurchase of 1,000,000 shares under authorized program

Repurchased 1,000,000 shares over ~24 months, the maximum authorized under the program.
June 20, 2023, 7:59 PM ET other material materiality 0.10 neutral item 5.07 item 9.01 ◈ Shareholder Votes

CZNC Board adopts annual advisory vote on executive compensation through 2029

Shareholders voted 6,390,245 in favor of 1-year frequency, 216,285 for 2 years, 633,815 for 3 years.
June 15, 2023, 7:59 PM ET other materiality 0.20 neutral item 7.01 item 9.01

Citizens & Northern presents at Piper Sandler conference; no material new info in filing

CEO J. Bradley Scovill and CFO Mark A. Hughes presented at Piper Sandler 2023 Philly Bank Bonanza on June 15, 2023.
April 24, 2023, 7:59 PM ET other materiality 0.15 neutral item 5.07 item 9.01 ◈ Shareholder Votes ×5

Shareholders elect Dorwart, Scovill, Singer as directors; equity plan approved

Class III directors elected: Dorwart (7.1M for), Scovill (7.1M for), Singer (6.7M for) with 3.45M broker non-votes each.
April 20, 2023, 7:59 PM ET earnings materiality 0.70 neutral item 2.02 item 9.01 ◈ Earnings Releases

C&N Q1 EPS $0.40, down 9% YoY; deposits fall $81.6M; NIM 3.71%

Net income $6.25M ($0.40 diluted EPS) vs $6.90M ($0.44) in Q1 2022, down 9.3%.
February 17, 2023, 6:59 PM ET leadership materiality 0.30 neutral item 5.02 item 9.01 ◈ executive_change

Director Timothy E. Schoener to retire from Citizens & Northern board at April 2023 annual meeting

Timothy E. Schoener notified the board of his intent to retire as a director.
January 26, 2023, 6:59 PM ET earnings materiality 0.75 negative item 2.02 item 9.01 ◈ Earnings Releases

C&N Q4 EPS $0.50, full-year EPS $1.71; credit quality weakens

Q4 2022 net income $7.78M ($0.50 diluted), up from $4.46M ($0.29) in Q3 2022.
November 8, 2022, 6:59 PM ET other material materiality 0.60 negative item 7.01 item 9.01

Citizens & Northern Q3 2022 net income down 40% YoY; EPS $0.29 vs $0.47

Q3 2022 net income $4.455M vs $7.399M YoY (-39.8%); diluted EPS $0.29 vs $0.47.
October 20, 2022, 7:59 PM ET earnings materiality 0.75 negative item 2.02 item 9.01

C&N Q3 net income down 40% to $0.29/diluted share; declares $0.28 dividend

Q3 2022 net income $4.455M ($0.29 diluted EPS) vs $7.399M ($0.47) in Q3 2021, a decline of 40%.
July 21, 2022, 7:59 PM ET earnings materiality 0.60 positive item 2.02 item 9.01

C&N Q2 2022 EPS $0.48, up from $0.44 in Q1; dividend $0.28 declared

Net income $7.49M ($0.48 diluted EPS) vs $6.90M ($0.44) in Q1 2022 and $7.06M ($0.44) in Q2 2021.
June 16, 2022, 7:59 PM ET other material materiality 0.15 neutral item 7.01 item 9.01

Citizens & Northern presents at Piper Sandler Philly Bank Bonanza; no new financial details

CEO J. Bradley Scovill and CFO Mark A. Hughes present at Piper Sandler conference on June 16, 2022.
April 25, 2022, 7:59 PM ET other materiality 0.15 neutral item 5.07 item 9.01

Citizens & Northern shareholders approve increase in authorized shares to 30M at annual meeting

Four Class II directors elected: Hartley (7.3M for), Lambert (7.7M), Santiago (7.8M), Shattuck (7.8M); broker non-votes 3.5M each.
April 21, 2022, 7:59 PM ET earnings materiality 0.65 negative item 2.02 item 9.01

Citizens & Northern Q1 net income $6.9M ($0.44/dil), down 21.5% YoY; dividend raised to $0.28

Net income $6.9M ($0.44/dil) vs $8.8M ($0.55/dil) YoY; diluted EPS down 20%.
February 18, 2022, 6:59 PM ET leadership materiality 0.30 neutral item 5.02 item 5.03 item 9.01 ◈ executive_change

Director Clark S. Frame to retire from board effective March 17, 2022

Clark S. Frame communicated intent to retire as director effective March 17, 2022.
January 20, 2022, 6:59 PM ET earnings materiality 0.75 positive item 2.02 item 9.01

C&N reports record 2021 net income of $30.6M; declares $0.28 quarterly dividend

Full-year diluted EPS $1.92, up from $1.30 in 2020 (GAAP); adjusted non-GAAP EPS $1.92 vs $1.80.
October 21, 2021, 7:59 PM ET earnings materiality 0.55 positive item 2.02 item 9.01

C&N Q3 2021 EPS $0.47, up from $0.18 YoY; declares $0.28 dividend

GAAP diluted EPS $0.47 in Q3 2021, up from $0.44 QoQ and $0.18 YoY.
July 22, 2021, 7:59 PM ET earnings materiality 0.50 neutral item 2.02 item 9.01

CZNC Q2 2021 EPS $0.44, down from Q1 $0.55; declares $0.28 dividend

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.

Executive changes

Departed

Timothy E. Schoener

Director

CZNC · CITIZENS & NORTHERN CORP

Effective: 2023-04-20
Filed: February 17, 2023, 6:59 PM ET

On February 16, 2023, Timothy E. Schoener, a director of Citizens & Northern Corporation (the "Corporation") and its wholly-owned banking subsidiary, Citizens & Northern Bank (the "Bank"), advised the Board of Directors of his intent to retire as a director of the Corporation and the Bank, effective as of the Corporation’s 2023 Annual Meeting of Shareholders on April 20, 2023.

Departed

Clark S. Frame

director

CZNC · CITIZENS & NORTHERN CORP

Effective: 2022-03-17
Filed: February 18, 2022, 6:59 PM ET

On February 18, 2022, Clark S. Frame, a director of Citizens & Northern Corporation (the "Corporation") and its wholly-owned banking subsidiary, Citizens & Northern Bank (the "Bank"), communicated to the Board of Directors his intent to retire as a director of the Corporation, effective March 17, 2022.

Earnings & guidance

2026-Q1 EPS reported $0.02 vs consensus $0.59 ▼ miss (-96.6%) filing →

Materiality & sentiment trend

Max materiality 0.85 · Median 0.55 · Most common event earnings

11 positive 9 negative 27 neutral

source · CZNC on sec.gov