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

2025-03-07Frank G PellegrinoAcquired 232 @ 20.15View
2025-01-03Frank G PellegrinoAcquired 254 @ 18.31View
2024-12-06Frank G PellegrinoAcquired 228 @ 20.46View
2024-11-08Frank G PellegrinoAcquired 197 @ 20.58View
2024-09-06Frank G PellegrinoAcquired 212 @ 19.15View
2024-07-08Frank G PellegrinoAcquired 239 @ 16.94View
2024-06-07Frank G PellegrinoAcquired 237 @ 17.15View
2024-05-29Terry L LehmanAcquired 1500 @ 17View
2024-05-08Robert G LougheryAcquired 94 @ 17.68View
2024-05-03Katherine W ShattuckAcquired 159 @ 17.88View
2024-04-08Katherine W ShattuckAcquired 467 @ 18.11View
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.
  
Check out Trending Equities to better understand how to build diversified portfolios, which includes a position in Citizens Northern Corp. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in board of governors.

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.
 
Dot-com Bubble
 
Housing Crash
 
Credit Downgrade
 
Yuan Drop
 
Covid

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 ValueLast YearChange From Last Year 10 Year Trend
Gross Profit Margin0.790.89
Fairly Down
Slightly volatile
Net Profit Margin0.190.2027
Notably Down
Slightly volatile
Operating Profit Margin1.580.983
Way Up
Pretty Stable
Pretax Profit Margin0.240.2488
Sufficiently Down
Slightly volatile
Return On Assets0.0130.0099
Significantly Up
Slightly volatile
Return On Equity0.110.0943
Fairly Up
Slightly volatile

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.
 
Dot-com Bubble
 
Housing Crash
 
Credit Downgrade
 
Yuan Drop
 
Covid
Buy/Sell Ratio# Purchases Trades# Sales TradesTotal Shares PurchasedTotal 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 ScovillCEO PresidentProfile
Thomas RudyExecutive Vice President and Director - Branch Delivery of Citizens & Northern BankProfile
Shelley DHaeneExecutive Vice President and Director - Alternate Delivery Channels of Citizens & Northern BankProfile
Stan DunsmoreExecutive Vice President Chief Credit Officer of Company & BankProfile
Mark HughesCFO, 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 BankProfile
Blair RushEVP BankProfile
Harold IIIEVP BankProfile
Glenn EsqCorporate SecretaryProfile
Patrick DonnellyCEO CorpProfile
Skye MahoskyCorporate SecretaryProfile
Ryan SatalinSenior ExecutiveProfile
CIMA CFPSenior StrategistProfile
Jeff SnyderExecutive MarketsProfile
Joe BifolcoSenior ManagerProfile
Kelley CwiklinskiExecutive OfficerProfile

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 ReportedProjected 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 Employee331.8K
Revenue Per Executive8.5M
Net Income Per Employee67.2K
Net Income Per Executive1.7M

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