company · cik 810958

CITIZENS & NORTHERN CORP

CZNCNasdaqSIC 6022public

financials · annual · usd2026

Net income		$23.4M
Total assets		$3.13B
Total liabilities		$2.79B
Equity		$341.7M
Operating cash		$32.0M

money-flow · companies

No customer / supplier links anchored.

commodity exposure

No commodity exposure anchored.

places · hq + contracts1

Pennsylvania, PAhq

signal score · 2026

2026

0.284

STRONG NEG

coverage

25%

why this scoreactive weight 25%

geographic exposure health edge_company_place x score_place_growth · 2026 · +	0.34 w 0.15
rate sensitivity c_facts debt x a_rates(treasury_notes) YoY · 2026 · -	0.20 w 0.10
insider power player zeroed — blocked: EDGAR ownership doc-fetch (edge_person_company EMPTY) edge_person_company · 2026 · +	0.00 w 0.20
commodity exposure delta zeroed — no data for this cik-year; zeroed edge_commodity_company x e_commodities · 2026 · +	0.00 w 0.12
contract momentum zeroed — no data for this cik-year; zeroed b_contracts sum(value_usd) (FY2026 -> 2024) · 2026 · +	0.00 w 0.10
layoff trajectory zeroed — no data for this cik-year; zeroed score_layoff_prediction.probability · 2026 · -	0.00 w 0.10
supply chain proximity zeroed — no data for this cik-year; zeroed edge_company_company degree · 2026 · +	0.00 w 0.08
sentiment zeroed — blocked: k_sentiment/k_youtube EMPTY k_sentiment/k_youtube · 2026 · +	0.00 w 0.07
political tailwind zeroed — no data for this cik-year; zeroed i_fec employee_donations_aggregate · 2026 · +	0.00 w 0.05
private competitor pressure zeroed — blocked: d_private_est EMPTY d_private_est · 2026 · -	0.00 w 0.03

Signal blends rate sensitivity, contract momentum, geographic exposure and more, cross-sectionally normalized per period. Coverage shows how much of the model is currently data-backed — zeroed components are listed in the drill above.