XOOMAR

CITIZENS & NORTHERN CORP (CZNC)

Every FINRA and SEC series the site collects for CITIZENS & NORTHERN CORP: short interest with days to cover, daily short sale volume, fails to deliver and Form 4 insider trades. Listed on Nasdaq, classified by the SEC as state commercial banks.

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371K

Short interest

settlement 2026-08-14

6.1

Days to cover

-7.4% vs prior

72.6%

Short share of volume

2026-09-11

120

Fails to deliver

settlement 2026-08-06

-$57K

Insider flow, 90 days

6 buys, 2 sells

As of 2026-09-11.

Short interest

FINRA, twice a month; the last 12 months shown, all 48 settlements in the JSON

As of 14 August 2026, short interest in CZNC is 370,555 shares, up 37,353 shares over the last month. Over the last 48 readings it ranged from 53,731 shares (13 December 2024) to 400,041 shares (31 July 2026). The latest reading sits at the top of that range. At the reported average volume of 61K shares a day that is 6.1 days to cover, elevated.

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SettlementShares shortChangeAvg daily volumeDays to cover
2026-08-14370,555-7.4%60,5116.12
2026-07-31400,041+20.1%72,3765.53
2026-07-15333,202-12.3%55,8585.97
2026-06-30379,711+29.3%105,2813.61
2026-06-15293,593+8.0%44,6076.58
2026-05-29271,796+0.6%51,2765.30
2026-05-15270,067-5.2%40,6056.65
2026-04-30284,788+2.1%31,9308.92
2026-04-15279,047-6.7%35,4487.87
2026-03-31299,031-1.3%45,6586.55
2026-03-13302,994+8.1%42,7087.09
2026-02-27280,263-6.4%45,3006.19
2026-02-13299,310-7.3%58,6375.10
2026-01-30322,958-9.0%53,3756.05
2026-01-15355,008+5.8%39,8278.91
2025-12-31335,543+2.8%85,8793.91
2025-12-15326,525+7.8%61,1595.34
2025-11-28302,956+20.3%56,6235.35
2025-11-14251,875+3.2%35,8477.03
2025-10-31243,987+3.6%43,6045.60
2025-10-15235,432-2.4%44,9295.24
2025-09-30241,213+11.4%43,8055.51
2025-09-15216,475+3.3%22,1729.76
2025-08-29209,664-12.2%31,6666.62

Daily short volume

FINRA Reg SHO, last 60 sessions. JSON

As of 11 September 2026, the short share of CZNC volume is 72.6%, up 36.4 points over the last five sessions. Over the last 52 readings it ranged from 28.0% (11 August 2026) to 86.8% (9 September 2026). The latest reading is 18.1 points above the 30-session average of 54.5%, on 16K shares reported.

DateShort volumeTotal volumeShort shareExempt
2026-09-1111K16K72.6%0
2026-09-109K15K55.4%533
2026-09-098K9K86.8%0
2026-09-0811K18K63.4%0
2026-09-046K9K65.0%0
2026-09-0310K28K36.2%0
2026-09-0214K31K45.5%0
2026-09-017K17K39.7%0
2026-08-314K11K41.3%0
2026-08-289K18K50.0%0
2026-08-279K18K48.7%0
2026-08-2610K36K29.1%300
2026-08-2513K20K64.9%0
2026-08-2419K29K65.3%0
2026-08-2120K25K79.3%0
2026-08-2014K26K55.6%0
2026-08-1921K37K57.6%0
2026-08-1812K22K53.8%0
2026-08-1714K25K58.3%150
2026-08-1414K25K57.8%0
2026-08-139K21K44.1%0
2026-08-127K11K67.4%4
2026-08-118K30K28.0%0
2026-08-1018K30K59.1%0
2026-08-077K14K52.3%0
2026-08-069K14K65.5%2
2026-08-058K13K63.2%0
2026-08-049K19K46.9%0
2026-08-0312K26K46.5%0
2026-07-319K23K37.1%400

Fails to deliver

SEC, by settlement date. JSON

As of 6 August 2026, the fails-to-deliver balance in CZNC is 120 shares, up 35 shares over the last settlement date. Over the last 30 readings it ranged from 1 share (23 March 2026) to 15,709 shares (14 October 2025). The latest reading sits at the bottom of that range.

SettlementShares failedPriceValue
2026-08-06120$25.24$3K
2026-08-0385$25.39$2K
2026-07-23879$23.18$20K
2026-06-3011,620$23.37$272K
2026-06-291,046$23.49$25K
2026-03-31255$22.29$6K
2026-03-231$21.68$22
2026-03-17770$21.91$17K
2026-03-0948$22.30$1K
2026-03-0620$22.29$446
2026-02-27681$23.21$16K
2026-02-243,181$23.23$74K
2026-02-1867$23.76$2K
2026-02-0470$23.37$2K
2026-02-03978$22.70$22K
2026-02-027,857$22.76$179K
2026-01-26769$21.62$17K
2026-01-12342$20.47$7K
2026-01-07118$20.19$2K
2025-12-04255$20.50$5K
2025-11-20196$19.37$4K
2025-11-182$19.02$38
2025-11-073$19.04$57
2025-10-2763$19.47$1K
2025-10-23272$19.48$5K
2025-10-1415,709$19.46$306K
2025-10-01596$19.81$12K
2025-09-29430$19.90$9K
2025-09-15114$20.02$2K
2025-09-1039$20.02$781

Insider trades

SEC Form 4, newest first, 50 of 100 shown. JSON

Over the last 90 days CZNC insiders reported 6 open-market buys ($15K) against 2 sells ($72K), so the dollar flow leans toward selling. Latest filing: Shattuck Katherine W on 2026-09-04.

DateInsiderTitleTypeSharesPriceValueOwned after
2026-09-04Shattuck Katherine Wn/aBuy8$26.17$20911K
2026-09-04Pellegrino Frank Gn/aBuy178$26.17$5K52K
2026-08-20James Glenn RichardEVP COUNSEL, CORP SECRETARYJ3$25.84$78335
2026-08-20Rush Blair TEXECUTIVE VICE PRESIDENTJ31$25.84$8013K
2026-08-20Watkins Tracy EllenEXEC. VPJ73$25.84$2K7K
2026-08-20Dunsmore Stan REXEC. VP, CHIEF CREDIT OFFICERJ107$25.84$3K10K
2026-08-20Runk David SEXEC. VP AND STRATEGIC ADVISORJ1$25.84$2666
2026-08-20Hoose Harold F IIIEXEC. VPJ181$25.84$5K17K
2026-08-20RUDY THOMAS L JREXEC. VPJ160$25.84$4K15K
2026-08-20HUGHES MARK AEXEC. VP AND CFOJ213$25.84$6K20K
2026-08-20REBER JOHN MEXEC. VPJ110$25.84$3K10K
2026-08-20SCOVILL J BRADLEYPRESIDENT AND CEOJ73$25.84$2K7K
2026-08-20Balagour AlexanderEVP- CHIEF INFORMATION OFFICERJ23$25.84$5942K
2026-08-14James Glenn RichardEVP COUNSEL, CORP SECRETARYJ8$25.89$2073K
2026-08-14Watkins Tracy EllenEXEC. VPJ80$25.89$2K11K
2026-08-14Dunsmore Stan REXEC. VP, CHIEF CREDIT OFFICERJ1$25.89$2693
2026-08-14SINGER AARON Kn/aJ96$26.08$3K11K
2026-08-14SINGER AARON Kn/aJ64$25.96$2K6K
2026-08-14Shattuck Katherine Wn/aJ102$25.89$3K11K
2026-08-14Santiago Helen Sn/aJ1$25.89$26125
2026-08-14Santiago Helen Sn/aJ108$25.89$3K11K
2026-08-14Dorwart Stephen Mn/aJ57$25.96$1K15K
2026-08-14Loughery Robert Gn/aJ114$25.89$3K12K
2026-08-14Kilmer Bobbi Jn/aJ64$25.89$2K19K
2026-08-14Kilmer Bobbi Jn/aJ131$25.96$3K19K
2026-08-14Pellegrino Frank Gn/aJ539$25.89$14K52K
2026-08-14REBER JOHN MEXEC. VPJ341$25.89$9K36K
2026-08-14SCOVILL J BRADLEYPRESIDENT AND CEOJ400$25.95$10K134K
2026-08-07Shattuck Katherine Wn/aBuy8$25.21$20211K
2026-08-07Pellegrino Frank Gn/aBuy208$25.21$5K51K
2026-08-03Trate Christian Cn/aSell560$25.21$14K5K
2026-07-31Dorwart Stephen Mn/aSell2K$25.37$58K4K
2026-07-08Shattuck Katherine Wn/aBuy9$23.02$20711K
2026-07-08Pellegrino Frank Gn/aBuy198$23.02$5K51K
2026-06-05Shattuck Katherine Wn/aBuy10$21.44$21411K
2026-06-05Pellegrino Frank Gn/aBuy190$21.44$4K51K
2026-05-28Trate Christian Cn/aSell229$21.10$5K5K
2026-05-20James Glenn RichardEVP COUNSEL, CORP SECRETARYJ5$20.80$104332
2026-05-20Cwiklinski Kelley AEVP CHIEF COMM LENDING OFFICERJ38$20.80$7903K
2026-05-20Rush Blair TEXECUTIVE VICE PRESIDENTJ39$20.80$8113K
2026-05-20Watkins Tracy EllenEXEC. VPJ90$20.80$2K7K
2026-05-20Dunsmore Stan REXEC. VP, CHIEF CREDIT OFFICERJ132$20.80$3K10K
2026-05-20Runk David SEXEC. VP AND STRATEGIC ADVISORJ1$20.80$2165
2026-05-20Hoose Harold F IIIEXEC. VPJ222$20.80$5K17K
2026-05-20RUDY THOMAS L JREXEC. VPJ194$20.80$4K15K
2026-05-20HUGHES MARK AEXEC. VP AND CFOJ259$20.80$5K20K
2026-05-20REBER JOHN MEXEC. VPJ134$20.80$3K10K
2026-05-20SCOVILL J BRADLEYPRESIDENT AND CEOJ89$20.80$2K7K
2026-05-20Balagour AlexanderEVP- CHIEF INFORMATION OFFICERJ29$20.80$6032K
2026-05-15James Glenn RichardEVP COUNSEL, CORP SECRETARYJ10$20.82$2083K

Form 4 filings are due within two business days of the trade. Insiders sell for many reasons that say nothing about the company; open-market buys are the rarer, stronger signal.

13F holders

Tracked managers holding CZNC at their latest 13F. JSON

4 of the 30 tracked managers held CZNC at their latest 13F, $5.7M in total at quarter-end prices. Citadel Advisors is the largest at $1.7M (0.0% of its portfolio) as of 2026-06-30. Over the prior quarter 3 added shares and 1 cut.

FundQuarterSharesValueOf portfolioChange in shares
Citadel Advisors2026-06-3074K$1.7M0.00%+52K
Two Sigma Investments2026-06-3064K$1.5M0.00%+19K
AQR Capital Management2026-06-3055K$1.3M0.00%+8K
Renaissance Technologies2026-06-3053K$1.2M0.00%-451

Only the 30 tracked managers on the funds hub; a 13F reports long positions in US listed stock at quarter end, 45 days late, and says nothing about shorts or positions sold since.

Financials

SEC XBRL, as filed. JSON

In FY 2025 it generated $32.0M of operating cash flow and spent $16.3M on dividends.

Cash
$82.5M
Equity
$346.1M
Total assets
$3.15B
Shares outstanding
17,934,867

Quarterly, last 8 quarters

QuarterPeriod endRevenueNet incomeMarginDiluted EPS
Q2 20262026-06-30n/a$14.1Mn/a0.79
Q1 20262026-03-31n/a$273Kn/a0.02
Q4 2025derived2025-12-31n/a$4.5Mn/an/a
Q3 20252025-09-30n/a$6.6Mn/a0.42
Q2 20252025-06-30n/a$6.1Mn/a0.40
Q1 20252025-03-31n/a$6.3Mn/a0.41
Q4 2024derived2024-12-31n/a$8.2Mn/an/a
Q3 20242024-09-30n/a$6.4Mn/a0.41

Fiscal years, with buybacks and dividends

Fiscal yearEndsRevenueNet incomeOperating cash flowCapexBuybacksDividends
FY 20252025-12-31n/a$23.4M$32.0M$1.9Mn/a$16.3M
FY 20242024-12-31n/a$26.0M$33.0M$1.9Mn/a$15.5M
FY 20232023-12-31n/a$24.1M$33.5M$2.3Mn/a$15.6M
FY 20222022-12-31n/a$26.6M$34.6M$3.3Mn/a$15.9M
FY 20212021-12-31n/a$30.6M$34.8M$1.9Mn/a$16.0M

Quarters are the three-month figures the company reports; a fourth quarter marked derived is the fiscal year less the three reported quarters, since companies report it only inside the 10-K. Fiscal years are the annual figures. Buybacks are cash paid to repurchase common stock in the year (XBRL PaymentsForRepurchaseOfCommonStock), not authorizations. Balance sheet lines are as of 2026-06-30; shares outstanding as of 2026-08-03 from the cover page.

What this page is

CITIZENS & NORTHERN CORP in the regulatory record

Regulators publish company data in separate files that never sit next to each other: FINRA's twice-monthly short interest, its daily short sale volume, the SEC's fails-to-deliver counts, and each insider's Form 4. A company page pulls every series the site collects for one ticker onto one URL, keyed by the SEC's own ticker list, so the short position, the daily flow, the settlement fails and what insiders are doing can be read together.

Each section has its own history table, a summary sentence built from the rows (last value, change, range with dates) and its own JSON and CSV links. Nothing on the page is written by a model; the sentences change only when the data does. A page exists only for companies with data in at least two series, and every section says when its source last updated.

This page follows CITIZENS & NORTHERN CORP (CZNC), SEC CIK 810958, listed on Nasdaq, classified by the SEC as state commercial banks. The cross-market tables live on the short interest and insider transactions hubs.

Source and method

Short interest
FINRA consolidated short interestTwice a month, about eight business days after settlement. Latest 2026-08-14.JSON and CSV
Daily short volume
FINRA Reg SHO daily filesEvery trading day, loaded the following morning. Latest 2026-09-11.JSON and CSV
Fails to deliver
SEC fails-to-deliver dataTwice a month, a few weeks after the half month ends. Latest 2026-08-06.JSON and CSV
13F holders
SEC EDGAR Form 13F-HRQuarterly, filed within 45 days of quarter end; 30 tracked managers. Latest 2026-06-30.JSON and CSV
Financials
SEC XBRL company factsRefreshed weekly from the SEC's structured data; values are as filed in the 10-Q and 10-K. Latest 2026-06-30.JSON and CSV
Insider trades
SEC EDGAR Form 4EDGAR read every 30 minutes; filings are due two business days after the trade. Latest 2026-09-04.JSON and CSV
Company record
EDGAR filing index for CIK 810958Ticker, name and exchange from the SEC's company list, refreshed weekly.
Rate limits
30 requests a minute without a key, 120 a minute with a key from a free account.

Data checks. Every dataset is checked against its source once a day. This dataset passed the last run, 13 Sep 05:40 UTC.

How to read it

  • Read the position against the flow: rising short interest with a high daily short share is new shorting; rising short interest with a normal short share is old shorts holding on.
  • Insider buys next to a crowded short are the combination that has historically preceded squeezes; insider sells next to a crowded short are common and mean little.
  • Fails to deliver matter relative to the float, not in absolute shares; a million failed shares in a mega cap is noise.

Analysis of what the data shows, not advice. XOOMAR does not recommend buying, selling or holding anything.

Other companies the SEC classifies as state commercial banks

Datasets

Frequently Asked Questions

How much of CZNC is sold short?
370,555 shares were held short at the 2026-08-14 settlement, 6.1 days of average volume. FINRA publishes the next count about eight business days after the 15th and the last business day of the month.
What is CZNC's daily short volume?
On 2026-09-11, 11,271 of the 15,517 CZNC shares reported to FINRA were sold short, 72.6% of the day's reported volume. Short volume is a flow for one day, not a position.
Does CZNC have fails to deliver?
The SEC's latest file shows 120 CZNC shares failed to deliver at settlement 2026-08-06. Fails are reported per settlement date and published twice a month with a lag.
Are CZNC insiders buying or selling?
Over the last 90 days CZNC insiders reported 6 open-market buys ($15K) against 2 sells ($72K), so the dollar flow leans toward selling. Latest filing: Shattuck Katherine W on 2026-09-04.
What did CZNC report last quarter?
In FY 2025 it generated $32.0M of operating cash flow and spent $16.3M on dividends.
Which funds hold CZNC?
4 of the 30 tracked managers held CZNC at their latest 13F, $5.7M in total at quarter-end prices. Citadel Advisors is the largest at $1.7M (0.0% of its portfolio) as of 2026-06-30. Over the prior quarter 3 added shares and 1 cut.

Data on this page is provided for informational purposes only and is not financial advice. See our editorial policy.