Financials · State Commercial Banks · Nasdaq · CIK 810958 · FYE Dec 31 · Prices AT CLOSE 2026-08-21 (USD) Last $25.80 · Day +0.39% · Mkt cap $463M · P/E (FY) 17.7× · 1Y +39.3% · Off 52W high −1.8% · Vol (1Y) 23.5% Price2023-08-21 → 2026-08-21 CZNC close: $19.6 on 2023-08-21 to $25.8 on 2026-08-21. Split-adj closes · 240 of 5,310 · price returnⓘ At a glance | Short interest2.2% of sh out | | Days to cover5.5d | | 13F net flow (QoQ)+0.23% | | Top-10 13F concentration74.6% | | Next report (est.)2026-10-22 |
SI 2026-07-31 · 13F 2026-Q1ⓘ Key fundamentalsFY 2025 | P/E (FY)17.7× | | Sales (TTM)$142.5M | | Earnings (TTM)$25.3M | | ROE7.6% | | Net margin19.1% | | Sales growth 3Y4.5% |
FY ratios · TTM sales/earnings (USD)ⓘ Trailing returns | YTD+32.6% | | 1Y+39.3% | | 3Y+55.2% | | 5Y+33.1% | | 10Y+98.6% | | Since incept. (ann.)+3.1% |
Total return · from 2005-07-11ⓘ Risk | Ann. volatility (1Y)23.5% | | Ann. volatility (3Y)31.5% | | Sharpe (1Y)1.54 | | Sharpe (3Y)0.63 | | Max drawdown (1Y)−14.2% | | Max drawdown (3Y)−26.1% | | Beta (3Y vs SPY)0.44 |
Daily returns, ann.ⓘ Top institutional holders13F 2026-Q1 | Manager | Shares | Value | % sh out | QoQ |
|---|
| BlackRock, Inc. | 1.2M | $27M | 6.63% | −0.3% | | VANGUARD CAPITAL MANAGEMENT LLC | 725,119 | $16M | 4.05% | new | | DIMENSIONAL FUND ADVISORS LP | 620,287 | $14M | 3.46% | +2.7% | | GEODE CAPITAL MANAGEMENT, LLC | 420,501 | $9M | 2.35% | +1.0% | | CITIZENS & NORTHERN CORP | 359,853 | $8M | 2.01% | −0.4% | | STATE STREET CORP | 335,364 | $7M | 1.87% | +3.9% | | NORTHERN TRUST CORP | 137,974 | $3M | 0.77% | +7.5% | | VANGUARD FIDUCIARY TRUST CO | 119,239 | $3M | 0.67% | new |
Δ vs 2025-Q4ⓘ Latest reported quarterslast report 2026-07-23 | Period end | Reported | EPS | EPS YoY | Revenue | Rev YoY |
|---|
| 2026-06-30 | 2026-07-23 | — | — | $39.4M | +34.6% | | 2026-03-31 | 2026-04-29 | $0.02 | −95.1% | $36.6M | +35.8% | | 2025-12-31 | 2026-01-28 | — | — | $36.9M | +31.6% | | 2025-09-30 | 2025-10-23 | $0.42 | +2.4% | $29.6M | +8.3% |
As-reported XBRL · next 2026-10-22 est.ⓘ Segment mixFY2025 (ended Dec 2025) Deposit Account 53% · Debit Card 41% · Bank Servicing 6% product & service · TAGGED revenueⓘ Basis & disclosures - EOD closes · nothing imputed or averaged · absent “—”
- As-of differs by block · 13F = US long, 45+d lag, LOWER bound
- Not investment advice · no recommendation, price target or solicitation
- EDGAR + foreign registers · marketstack (licensed EOD) · spzco.com/methodology
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