Citizens Northern Company Insiders
CZNC Stock | USD 20.41 0.22 1.07% |
Citizens Northern's insiders are aggressively buying. The analysis of insiders' sentiment of trading Citizens Northern Corp stock suggests that all insiders are extremely bullish at this time. Citizens Northern employs about 386 people. The company is managed by 15 executives with a total tenure of roughly 48 years, averaging almost 3.0 years of service per executive, having 25.73 employees per reported executive.
Thomas Rudy President Executive Vice President and Director - Branch Delivery of Citizens & Northern Bank |
Shelley DHaene President Executive Vice President and Director - Alternate Delivery Channels of Citizens & Northern Bank |
Insider Sentiment 100
Aggressively Buying
Selling | Buying |
Latest Trades
2025-03-07 | Frank G Pellegrino | Acquired 232 @ 20.15 | View | ||
2025-01-03 | Frank G Pellegrino | Acquired 254 @ 18.31 | View | ||
2024-12-06 | Frank G Pellegrino | Acquired 228 @ 20.46 | View | ||
2024-11-08 | Frank G Pellegrino | Acquired 197 @ 20.58 | View | ||
2024-09-06 | Frank G Pellegrino | Acquired 212 @ 19.15 | View | ||
2024-07-08 | Frank G Pellegrino | Acquired 239 @ 16.94 | View | ||
2024-06-07 | Frank G Pellegrino | Acquired 237 @ 17.15 | View | ||
2024-05-29 | Terry L Lehman | Acquired 1500 @ 17 | View | ||
2024-05-08 | Robert G Loughery | Acquired 94 @ 17.68 | View | ||
2024-05-03 | Katherine W Shattuck | Acquired 159 @ 17.88 | View | ||
2024-04-08 | Katherine W Shattuck | Acquired 467 @ 18.11 | View |
Monitoring Citizens Northern's insider sentiment can offer insights into its future performance, as insiders often have access to more information about their company's operations, financial health, and upcoming initiatives than the general public. However, it's essential to note that insider trading is regulated by securities laws, and insiders are required to disclose their trades publicly to ensure transparency and prevent unfair advantages based on non-public information.
Citizens |
Citizens Northern's Workforce Through the Years
Please note that employee historical analysis has become an increasingly important factor for investors assessing the risk associated with Citizens Northern's future performance. Based on our forecasts, it is anticipated that Citizens will maintain a workforce of about 390 employees by April 2025.Citizens Northern Management Team Effectiveness
The company has return on total asset (ROA) of 0.0101 % which means that it generated a profit of $0.0101 on every $100 spent on assets. This is way below average. Similarly, it shows a return on stockholder's equity (ROE) of 0.0966 %, meaning that it created $0.0966 on every $100 dollars invested by stockholders. Citizens Northern's management efficiency ratios could be used to measure how well Citizens Northern manages its routine affairs as well as how well it operates its assets and liabilities. At present, Citizens Northern's Return On Assets are projected to slightly decrease based on the last few years of reporting. The current year's Return On Equity is expected to grow to 0.11, whereas Return On Capital Employed is forecasted to decline to 0.03. At present, Citizens Northern's Total Current Assets are projected to decrease significantly based on the last few years of reporting. The current year's Return On Tangible Assets is expected to grow to 0.01, whereas Total Assets are forecasted to decline to about 1.4 B.As of March 23, 2025, Common Stock Shares Outstanding is expected to decline to about 12 M. In addition to that, Net Income Applicable To Common Shares is expected to decline to about 18.7 M
Citizens Northern Workforce Comparison
Citizens Northern Corp is rated second in number of employees category among its peers. The total workforce of Financials industry is currently estimated at about 2,209. Citizens Northern retains roughly 386 in number of employees claiming about 17% of equities under Financials industry.
Citizens Northern Profit Margins
The company has Profit Margin (PM) of 0.24 %, which maeans that even a very small decline in it revenue will erase profits resulting in a net loss. This is way below average. Similarly, it shows Operating Margin (OM) of 0.35 %, which suggests for every 100 dollars of sales, it generated a net operating income of $0.35.Current Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
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Gross Profit Margin | 0.79 | 0.89 |
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Net Profit Margin | 0.19 | 0.2027 |
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Operating Profit Margin | 1.58 | 0.983 |
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Pretax Profit Margin | 0.24 | 0.2488 |
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Return On Assets | 0.013 | 0.0099 |
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Return On Equity | 0.11 | 0.0943 |
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Citizens Northern Insider Trading History
Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific Citizens Northern insiders, such as employees or executives, is commonly permitted as long as it does not rely on Citizens Northern's material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases, Citizens Northern insiders must file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.
Buy/Sell Ratio | # Purchases Trades | # Sales Trades | Total Shares Purchased | Total Shares Sold | |
---|---|---|---|---|---|
2025-03-01 | 4.0714 | 57 | 14 | 31,003 | 5,720 |
2024-12-01 | 31.0 | 31 | 1 | 3,932 | 4.00 |
2024-03-01 | 9.3333 | 84 | 9 | 56,909 | 6,378 |
2023-12-01 | 7.1667 | 43 | 6 | 13,776 | 15,964 |
2023-09-01 | 14.0 | 42 | 3 | 5,844 | 1,690 |
2023-03-01 | 2.2439 | 92 | 41 | 54,439 | 25,145 |
2022-12-01 | 10.75 | 43 | 4 | 11,928 | 11,181 |
2022-03-01 | 3.625 | 87 | 24 | 63,263 | 15,204 |
2021-12-01 | 14.3333 | 43 | 3 | 6,307 | 1,800 |
2021-09-01 | 16.0 | 48 | 3 | 20,304 | 7,036 |
2021-06-01 | 41.0 | 41 | 1 | 11,250 | 0.00 |
2021-03-01 | 2.1818 | 72 | 33 | 67,533 | 25,102 |
2020-12-01 | 23.0 | 46 | 2 | 9,684 | 9,160 |
2020-09-01 | 11.25 | 45 | 4 | 53,112 | 27,782 |
2020-03-01 | 2.8276 | 82 | 29 | 58,315 | 24,367 |
2019-09-01 | 39.0 | 39 | 1 | 5,362 | 1,000.00 |
2019-06-01 | 5.7143 | 40 | 7 | 17,579 | 10,243 |
2019-03-01 | 5.8333 | 70 | 12 | 58,328 | 28,410 |
2018-12-01 | 6.25 | 50 | 8 | 19,993 | 11,904 |
2018-09-01 | 7.0 | 42 | 6 | 8,266 | 8,688 |
2018-06-01 | 12.6667 | 38 | 3 | 11,445 | 14,941 |
2018-03-01 | 4.5 | 63 | 14 | 37,102 | 13,414 |
2017-12-01 | 15.0 | 30 | 2 | 5,263 | 3,595 |
2017-09-01 | 3.0 | 36 | 12 | 28,125 | 59,495 |
2017-06-01 | 29.0 | 29 | 1 | 11,927 | 0.00 |
2017-03-01 | 7.0 | 63 | 9 | 34,017 | 2,881 |
2016-12-01 | 2.3636 | 26 | 11 | 12,380 | 19,702 |
2016-03-01 | 12.0 | 36 | 3 | 19,661 | 0.00 |
2015-12-01 | 13.0 | 13 | 1 | 1,086 | 100.00 |
2015-09-01 | 14.0 | 14 | 1 | 2,578 | 100.00 |
2015-06-01 | 18.0 | 18 | 1 | 15,065 | 100.00 |
2015-03-01 | 27.0 | 27 | 1 | 19,918 | 854.00 |
2014-12-01 | 10.5 | 21 | 2 | 4,552 | 2,751 |
2014-09-01 | 20.0 | 20 | 1 | 2,944 | 489.00 |
2014-06-01 | 8.5 | 17 | 2 | 1,915 | 438.00 |
2013-09-01 | 2.0 | 20 | 10 | 3,112 | 3,089 |
2013-06-01 | 3.0 | 21 | 7 | 4,372 | 4,029 |
2013-03-01 | 15.3333 | 46 | 3 | 41,615 | 2,038 |
2012-09-01 | 24.0 | 24 | 1 | 1,879 | 394.00 |
2012-06-01 | 22.0 | 22 | 1 | 2,402 | 291.00 |
2012-03-01 | 18.6667 | 56 | 3 | 41,793 | 2,409 |
2011-12-01 | 9.3333 | 28 | 3 | 2,172 | 4,269 |
2011-09-01 | 29.0 | 29 | 1 | 1,448 | 23.00 |
2011-06-01 | 8.3333 | 25 | 3 | 2,740 | 1,528 |
2011-03-01 | 55.0 | 55 | 1 | 28,995 | 0.00 |
2010-03-01 | 3.9091 | 43 | 11 | 4,229 | 949.00 |
2009-12-01 | 3.0 | 33 | 11 | 21,127 | 0.00 |
2009-09-01 | 9.0 | 18 | 2 | 880.00 | 1,980 |
2009-06-01 | 2.0909 | 23 | 11 | 1,119 | 3,224 |
2009-03-01 | 4.1429 | 58 | 14 | 23,618 | 1,353 |
2008-12-01 | 6.6667 | 20 | 3 | 834.00 | 1,900 |
2008-09-01 | 12.0 | 24 | 2 | 1,959 | 964.00 |
2008-06-01 | 5.25 | 21 | 4 | 1,040 | 1,200 |
2008-03-01 | 8.3636 | 92 | 11 | 20,984 | 820.00 |
2007-06-01 | 4.2 | 21 | 5 | 699.00 | 2,300 |
2007-03-01 | 5.5 | 66 | 12 | 13,543 | 1,292 |
2006-09-01 | 21.0 | 21 | 1 | 2,565 | 420.00 |
2006-06-01 | 6.25 | 25 | 4 | 2,013 | 1,056 |
2006-03-01 | 3.8571 | 54 | 14 | 3,535 | 2,041 |
2005-12-01 | 11.5 | 23 | 2 | 773.00 | 300.00 |
2005-09-01 | 2.0667 | 31 | 15 | 7,146 | 9,998 |
2005-03-01 | 3.5455 | 39 | 11 | 11,213 | 3,817 |
2004-03-01 | 5.5 | 11 | 2 | 7,341 | 837.00 |
2003-03-01 | 11.0 | 11 | 1 | 9,232 | 152.00 |
2002-03-01 | 11.0 | 11 | 1 | 12,063 | 100.00 |
Citizens Northern Notable Stakeholders
A Citizens Northern stakeholder refers to an individual interested in an outcome of the business. Different stakeholders have different interests, and companies such as Citizens Northern often face trade-offs trying to please all of them. Citizens Northern's stakeholders can have a positive or negative influence on the entity's direction, and there are a lot of executives involved in getting Citizens Northern's stock to the level that pleases all shareholders. Keeping track of the stakeholders is a great way to stay on top of things affecting its ongoing price.
Bradley Scovill | CEO President | Profile | |
Thomas Rudy | Executive Vice President and Director - Branch Delivery of Citizens & Northern Bank | Profile | |
Shelley DHaene | Executive Vice President and Director - Alternate Delivery Channels of Citizens & Northern Bank | Profile | |
Stan Dunsmore | Executive Vice President Chief Credit Officer of Company & Bank | Profile | |
Mark Hughes | CFO, Executive VP, Treasurer, Member of Executive Committee, Member of Asset Liability Committee, CFO of Citizens and Northern Bank and Executive VP of Citizens and Northern Bank | Profile | |
Blair Rush | EVP Bank | Profile | |
Harold III | EVP Bank | Profile | |
Glenn Esq | Corporate Secretary | Profile | |
Patrick Donnelly | CEO Corp | Profile | |
Skye Mahosky | Corporate Secretary | Profile | |
Ryan Satalin | Senior Executive | Profile | |
CIMA CFP | Senior Strategist | Profile | |
Jeff Snyder | Executive Markets | Profile | |
Joe Bifolco | Senior Manager | Profile | |
Kelley Cwiklinski | Executive Officer | Profile |
About Citizens Northern Management Performance
The success or failure of an entity such as Citizens Northern Corp often depends on how effective the management is. Citizens Northern management team is responsible for propelling the future growth in the right direction and administering and controlling the business activities and accounting for the results. Ineffective management usually contributes to failure in the company's future performance for all stakeholders equally, but most importantly, for investors. So it is important to measure the effectiveness of Citizens management before purchasing its stock. In many ways, it's all about finding the answer to one important question - Are they doing the right thing right now? How would we assess whether the Citizens management is utilizing all available resources in the best possible way? Also, how well is the company doing relative to others in its sector and the market as a whole? The answer can be found by analyzing a few important fundamental indicators such as return on assets and return on equity.
Last Reported | Projected for Next Year | ||
Return On Tangible Assets | 0.01 | 0.01 | |
Return On Capital Employed | 0.05 | 0.03 | |
Return On Assets | 0.01 | 0.01 | |
Return On Equity | 0.09 | 0.11 |
Please note, the presentation of Citizens Northern's financial position, as portrayed in its financial statements, is often influenced by management's estimates, judgments, and sometimes even manipulations. In the best case, Citizens Northern's management is honest, while the outside auditors are strict and uncompromising. Please utilize our Beneish M Score to check the likelihood of Citizens Northern's management manipulating its earnings.
Citizens Northern Workforce Analysis
Traditionally, organizations such as Citizens Northern use manpower efficiency calculations for various incentive schemes, employee appraisal, or as an initiative to improve the processes. However, it can also be used by investors to make long-term investment decisions. The trends in the profit per employee or revenue per employee are measured by net income or revenue divided by the current number of full-time employees over a given time interval. Because workforce needs differ across sectors, these ratios could be used to compare Citizens Northern within its industry.Citizens Northern Manpower Efficiency
Return on Citizens Northern Manpower
Revenue Per Employee | 331.8K | |
Revenue Per Executive | 8.5M | |
Net Income Per Employee | 67.2K | |
Net Income Per Executive | 1.7M |
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