BNET Industries

Citizens & Northern Corp.

(CZNC) is in the Financial Services Industry

Market Cap:$86.3M

Last Fiscal Year Sales:$80.7M

Public
US

Dow Jones Description

Bank Holding Company

Chairman, President & CEO

Craig G. Litchfield

Number of Employees 285

Contact Information

90-92 Main St

Wellsboro, Pennsylvania 16901

www.cnbankpa.co...

(570) 724-3411

Peer Companies

NAICS Code Offices of Bank Holding Companies: 551111

News & Analysis

citizens & northern corp. - All News and Analysis

Financials in Turmoil? Someone Forgot to Tell These Eleven Pennsylvania Banks

Seeking Alpha - 2008-09-14

Mike Havrilla submits: Amidst turmoil in the financial sector this week and over the past year, the following is a list of Pennsylvania-based banks and financial services companies with market caps over $100M that have recorded stock price gains over the past year. click to enlarge by Mike Havrilla

Tags: Financial, Abington Bancorp Inc., Bryn Mawr Bank Corp., Boston Private Financial Holdings Inc., Colonial BancGroup Inc., Citizens & Northern Corp., ESB Financial Corp., First Commonwealth Financial Corp., Republic First Bancorp Inc., National City Corp., Northwest Bancorp Inc., PNC Financial Services Group Inc., S & T Bancorp Inc., Univest Corp. of Pennsylvania, Washington Mutual Inc.

page 1 of 1

Decision Makers

Name (plus bio)	Position
Harold F. Hoose	Cfo & Executive Vice President
Dawn Besse	Executive Vice President
Deborah E. Scott	Executive Vice President
Matthew Prosseda	Executive Vice President
Thomas Rudy	Executive Vice President
Larry D. Alderson	Assistant Vice President
Mark A. Huffman	Vice President
Michael G. Charles	Assistant Vice President
Renee D. Laychur	Vice President
Rhonda J. Litchfield	Vice President
Kathleen M. Osgood	Secretary
Mark A. Hughes	Treasurer
Jessica R. Brown	Secretary

Board of Directors

Name (plus bio)	Position
Craig G. Litchfield	Chairman, President & CEO
Ann M. Tyler	Board of Directors
Dennis F. Beardslee	Board of Directors
Edward H. Owlett	Board of Directors
Edward L. Learn	Board of Directors
James E. Towner	Board of Directors
Jan E. Fisher	Board of Directors
Karl W. Kroeck	Board of Directors
Leo F. Lambert	Board of Directors
Leonard Simpson	Board of Directors
R. Bruce Haner	Board of Directors
R. Robert Decamp	Board of Directors
Raymond R. Mattie	Board of Directors
Susan E. Hartley	Board of Directors

Organization	Position	Status
Citizens & Northern Corporation	Chairman, President & CEO	Current
Citizens & Northern Bank Inc.	President	Current

Organization	Position	Status
Citizens & Northern Corporation	Cfo & Executive Vice President	Current

Organization	Position	Status
Citizens & Northern Corporation	Executive Vice President	Current
Citizens & Northern Bank Inc.	Executive Vice President	Current

Organization	Position	Status
Citizens & Northern Corporation	Executive Vice President	Current

Organization	Position	Status
Citizens & Northern Corporation	Executive Vice President	Current

Organization	Position	Status
Citizens & Northern Corporation	Executive Vice President	Current

Organization	Position	Status
Citizens & Northern Corporation	Assistant Vice President	Current

Organization	Position	Status
Citizens & Northern Corporation	Vice President	Current

A seven-year employee of C&NTFMG, Charles holds his BA Degree in Financial Accounting from Lycoming College and is a Pennsylvania Licensed Certified Public Accountant. With 13 years experience in banking and accounting, Charles is an instructor for the PBA's Professional Development Network and a former adjunct instructor of Accounting at Pennsylvania College of Technology. He is a board member and past president of the Wellsboro area Chamber of Commerce, a board member and treasurer of Tyoga Country Club and is an executive committee member and past president of the Northcentral Chapter of the Pennsylvania Institute of Certified Public Accountants. Charles and his wife, Rebecca, live in Wellsboro.

Organization	Position	Status
Citizens & Northern Corporation	Assistant Vice President	Current

Organization	Position	Status
Citizens & Northern Corporation	Vice President	Current

Organization	Position	Status
Citizens & Northern Corporation	Vice President	Current

Organization	Position	Status
Citizens & Northern Corporation	Secretary	Current
Citizens & Northern Corporation	Secretary	Former

Organization	Position	Status
Citizens & Northern Bank Inc.	CFO	Current
Citizens & Northern Corporation	Treasurer	Current
Citizens & Northern Corporation	Treasurer	Current

Organization	Position	Status
Citizens & Northern Corporation	Board of Directors	Current

Organization	Position	Status
Citizens & Northern Corporation	Board of Directors	Current

Organization	Position	Status
Citizens & Northern Corporation	Board of Directors	Current

Organization	Position	Status
Citizens & Northern Corporation	Board of Directors	Current

Organization	Position	Status
Citizens & Northern Corporation	Board of Directors	Current

Organization	Position	Status
Citizens & Northern Corporation	Board of Directors	Current

Organization	Position	Status
Citizens & Northern Corporation	Secretary	Current

Organization	Position	Status
Citizens & Northern Corporation	Board of Directors	Current

Organization	Position	Status
Citizens & Northern Corporation	Board of Directors	Current

Organization	Position	Status
Citizens & Northern Corporation	Board of Directors	Current

Organization	Position	Status
Citizens & Northern Corporation	Board of Directors	Current

Organization	Position	Status
Citizens & Northern Corporation	Board of Directors	Current

Organization	Position	Status
Citizens & Northern Corporation	Board of Directors	Current

Organization	Position	Status
Citizens & Northern Corporation	Board of Directors	Current

CZNC $9.35 -0.40 (-4.10% )

Intraday

3 Month

6 Month

1 Year

Average Volume	22,942
Shares Outstanding	9.24M
Market Cap	86.4M
Year High	22.46
Year Low	9.2
Earnings Per Share	-4.76
P/E Ratio	-1.96
Dividend	0.96
Yield	10.27

Industry Transcripts by Seeking Alpha

Navios Maritime Holdings Inc. Q3 2009 Earnings Call Transcript
on Nov 18, 2009about NM
Progressive Corp. Q3 2009 Earnings Call Transcript
on Nov 11, 2009about PGR
Nelnet Inc. Q3 2009 Earnings Call Transcript
on Nov 10, 2009about NNI
American Apparel Q3 2009 Earnings Call Transcript
on Nov 10, 2009about APP
MBIA Inc. Q3 2009 Earnings Call Transcript
on Nov 10, 2009about MBI

Glass Door

Financial Services Industry Companies

Company	Employer Rating
Wells Fargo	3.3
U.S. Bank	2.9
Bank of America	3.2
Wachovia	3.1
JPMorgan Chase	3.3

IndustryTop Rated

Brought to you by CBS MoneyWatch.com