NASDAQ:CZNC · NASDAQ Capital Market
+$0.08 today
Vol 0.09M · Avg 0.04M
Management
Put operating results in leadership context
Review returns on capital, executive background, insider transactions, and growth quality to judge whether management is compounding value well.
Management quality matters because capital allocation choices determine how much of Citizens & Northern Corporation earnings power becomes long-term shareholder value. Use this page to compare CZNC returns on capital, executive context, insider transactions, ownership signals, and growth trends against peers, then decide whether leadership appears disciplined, aligned, and capable of compounding through changing market conditions.
Return Metrics
ROE, ROIC & ROA over time
ROE
6.9%
avg 8.7%
ROIC
0.7%
avg 5.6%
ROA
0.7%
avg 1.1%
Analysis
ROE is currently the strongest return metric at 6.9% versus its period average of 8.7%. 0 of 3 return metrics are above their quality threshold, which helps indicate how efficiently the company turns capital and assets into profit.
Management
Key executives, compensation & ownership
| Name | Title | Compensation | Tenure | Age | Shares Owned | Ownership % |
|---|---|---|---|---|---|---|
J. Bradley Scovill | President, Chief Executive Officer & Director | $923,105.00 | — | 67 | $6,699.00 | 0.04% |
Mark A. Hughes | Treasurer | $597,201.00 | — | 64 | $19,548.00 | 0.11% |
Kelley A. Cwiklinski | Executive Vice President & Chief Commercial Lending Officer | $452,031.00 | — | 62 | $2,915.00 | 0.02% |
Jeffrey G. Hollenbach | Executive Vice President & Region President | — | — | — | — | — |
Chau Nguyen | Senior Vice President & Senior Commercial Lending Relationship Manager | — | — | — | — | — |
David S. Runk | Executive Vice President & Strategic Advisor | — | — | 62 | $65.00 | <0.01% |
Philip Prough CIMA | Senior Vice President & Chief Investment Strategist | — | — | — | — | — |
Ryan Satalin | Senior Vice President & Regional Commercial Lending Executive | — | — | — | — | — |
Stephen Sherman | Senior Vice President & Regional Commercial Lending Executive | — | — | — | $14,474.00 | 0.08% |
Shelley L. D'Haene | Executive Vice President and Chief Digital Channels & Payments Officer | — | — | 65 | $6,402.00 | 0.04% |
Insider Trading
SEC Form 4 transactions — last 12 months
Buys
21
$68,749.68
Sells
1
$4,831.90
Net Sentiment
+$63,917.78
Net buying
Most Active
Shattuck Katherine W
10 transactions
1–10 of 22
Analysis
Insiders reported 21 buys worth $68,749.68 and 1 sells worth $4,831.90 over the last 12 months. That adds up to net buying of $63,917.78. Shattuck Katherine W was the most active insider with 10 transactions.
Growth Analysis
Historical CAGR & forward analyst estimates
| Metric | 10yr | 5yr | 3yr | Fwd Est. |
|---|---|---|---|---|
| EPS | N/A | N/A | -10.0% | +5.9% (12yr)1 analysts |
| Revenue | N/A | N/A | -6.0% | +7.9% (12yr)1 analysts |
| Net Income | N/A | N/A | -10.1% | +8.3% (12yr)1 analysts |
| EBIT | N/A | N/A | -11.2% | +4.8% (12yr)1 analysts |
Analysis
Recent growth has been strongest in Revenue at -6.0% over three years. Forward estimates point to Net Income at +8.3% (12yr), giving you a quick check on whether expectations are accelerating or cooling.
Competitors
Peer companies in the same sector
Plumas Bancorp
NASDAQ:PLBC
$412.03M
PCB Bancorp
NASDAQ:PCB
$405.83M
The First Bancorp, Inc.
NASDAQ:FNLC
$395.10M
Waterstone Financial, Inc.
NASDAQ:WSBF
$371.89M
BayCom Corp
NASDAQ:BCML
$365.03M
Colony Bankcorp, Inc.
NYSE:CBAN
$359.90M
Citizens Financial Services, Inc.
NASDAQ:CZFS
$346.96M
FS Bancorp, Inc.
NASDAQ:FSBW
$325.65M
John Marshall Bancorp, Inc.
NASDAQ:JMSB
$312.87M
Isabella Bank Corporation
NASDAQ:ISBA
$300.53M
Who manages CZNC?
Citizens & Northern Corporation (CZNC) lists 10 active executives. The top listed executive is Jeffrey G. Hollenbach, Executive Vice President & Region President.
Are CZNC insiders buying or selling?
Recent insider activity shows net buying of $1.65M.
Explore More
Continue the stock analysis
Jump to another research area for this company.