20 years of revenue, earnings, cash-flow and balance-sheet history from public filings.
Citizens & Northern Corp (CZNC) operates in the BANKS - REGIONAL industry and is headquartered in Wellsboro, United States with about 460 employees. Its market capitalization is roughly $503 million. In the fiscal year ended 2025-12-31, CZNC reported $154M in revenue and $23M in net income.
Citizens & Northern Corporation operates as the bank holding company for Citizens & Northern Bank that provides various banking and related services to individual and corporate customers.
Interactive charts & full statements → Open the CZNC valuation workbench →
| Income statement | TTM → 2026-06-30 | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 | 2017-12-31 | 2016-12-31 | 2015-12-31 | 2014-12-31 | 2013-12-31 | 2012-12-31 | 2011-12-31 | 2010-12-31 | 2009-12-31 | 2008-12-31 | 2007-12-31 | 2006-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Revenue | $164M | $154M | $155M | $136M | $115M | $109M | $100M | $83M | $70M | $61M | $60M | $62M | $62M | $66M | $75M | $77M | $77M | $83M | $87M | $81M | $45M |
| Gross Profit | $85M | $101M | $104M | $103M | $99M | $99M | $87M | $72M | $64M | $56M | $55M | $56M | $56M | $58M | $65M | $64M | $56M | $57M | $55M | $46M | $13M |
| Gross Margin % | 51.8% | 65.3% | 67.1% | 75.6% | 85.5% | 90.6% | 86.6% | 86.6% | 92.5% | 92.3% | 91.8% | 91.2% | 90.9% | 88.2% | 87.5% | 82.8% | 73.4% | 69.5% | 63.3% | 57.4% | 29.8% |
| Operating Income (EBIT) | $13M | $29M | $32M | $30M | $32M | $38M | $23M | $23M | $26M | $21M | $21M | $22M | $23M | $25M | $31M | $32M | $25M | ($62M) | $12M | $13M | $15M |
| Operating Margin % | 8.2% | 18.6% | 20.5% | 22.4% | 28.0% | 34.6% | 23.1% | 28.2% | 37.7% | 33.8% | 35.4% | 35.2% | 37.0% | 37.5% | 41.8% | 41.5% | 32.4% | -75.1% | 14.2% | 16.2% | 32.9% |
| Net Income | $25M | $23M | $26M | $24M | $27M | $31M | $19M | $20M | $22M | $13M | $16M | $16M | $17M | $19M | $23M | $23M | $19M | ($39M) | $10M | $10M | $12M |
| Net Margin % | 15.4% | 15.2% | 16.7% | 17.7% | 23.1% | 28.0% | 19.1% | 23.5% | 31.6% | 22.0% | 26.4% | 26.6% | 27.7% | 28.1% | 30.4% | 30.2% | 24.8% | -47.7% | 11.6% | 12.9% | 26.8% |
| EBITDA | $15M | $31M | $34M | $33M | $35M | $40M | $25M | $25M | $28M | $22M | $23M | $24M | $25M | $27M | $33M | $34M | $27M | ($59M) | $16M | $16M | $17M |
| Earnings Per Share (EPS) | $1.49 | $1.47 | $1.70 | $1.58 | $1.72 | $1.94 | $1.30 | $1.46 | $1.80 | $1.11 | $1.31 | $1.35 | $1.38 | $1.50 | $1.85 | $1.92 | $1.57 | $-4.24 | $1.12 | $1.19 | $1.41 |
| Shares Outstanding (M) | 18M | 16M | 15M | 15M | 15M | 16M | 15M | 13M | 12M | 12M | 12M | 12M | 12M | 12M | 12M | 12M | 12M | 9M | 9M | 9M | 9M |
USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).
| Quarterly income statement | 2026-09-30 | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 |
|---|---|---|---|---|---|---|---|---|---|
| Total Revenue | — | $39M | $49M | $36M | $40M | $40M | $38M | $41M | $40M |
| Gross Profit | — | $13M | $23M | $22M | $27M | $27M | $26M | $28M | $26M |
| Gross Margin % | — | 34.2% | 47.2% | 60.4% | 66.5% | 66.0% | 68.8% | 69.6% | 64.4% |
| Operating Income (EBIT) | — | $0M | $0M | $5M | $8M | $8M | $8M | $10M | $8M |
| Operating Margin % | — | -0.9% | 0.7% | 15.0% | 19.8% | 18.7% | 20.1% | 25.0% | 19.7% |
| Net Income | — | $14M | $0M | $4M | $7M | $6M | $6M | $8M | $6M |
| Net Margin % | — | 35.9% | 0.6% | 12.4% | 16.2% | 15.2% | 16.4% | 20.2% | 16.0% |
| EBITDA | — | ($1M) | $1M | $6M | $9M | $8M | $8M | $11M | $8M |
| Earnings Per Share (EPS) | $0.92 | $0.80 | $0.02 | $0.25 | $0.43 | $0.40 | $0.41 | $0.53 | $0.42 |
| Shares Outstanding (M) | — | 18M | 18M | 18M | 15M | 15M | 15M | 15M | 15M |
USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).
| Cash flow | TTM → 2026-06-30 | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 | 2017-12-31 | 2016-12-31 | 2015-12-31 | 2014-12-31 | 2013-12-31 | 2012-12-31 | 2011-12-31 | 2010-12-31 | 2009-12-31 | 2008-12-31 | 2007-12-31 | 2006-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations (CFO) | $46M | $32M | $33M | $34M | $35M | $35M | $25M | $22M | $26M | $19M | $19M | $20M | $22M | $31M | $28M | $37M | $35M | $13M | $18M | $10M | $10M |
| Capital Expenditures (CapEx) | $1M | $2M | $2M | $2M | $3M | $2M | $3M | $3M | $1M | $2M | $2M | $1M | $1M | $1M | $2M | $1M | $1M | $1M | $1M | $2M | $4M |
| Free Cash Flow (FCF) | $45M | $30M | $31M | $31M | $31M | $33M | $22M | $20M | $25M | $18M | $17M | $19M | $21M | $30M | $26M | $36M | $34M | $12M | $17M | $8M | $7M |
| FCF Margin % | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Dividends Paid | $18M | $16M | $16M | $16M | $16M | $16M | $14M | $14M | $12M | $11M | $11M | $11M | $11M | $11M | $9M | $6M | $5M | $8M | $8M | $8M | $8M |
USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).
| Quarterly cash flow | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 |
|---|---|---|---|---|---|---|---|---|
| Cash from Operations (CFO) | $15M | $9M | $11M | $11M | $9M | $2M | $12M | $7M |
| Capital Expenditures (CapEx) | $0M | $0M | $0M | $0M | $0M | $1M | $0M | $0M |
| Free Cash Flow (FCF) | $15M | $8M | $10M | $11M | $8M | $1M | $12M | $6M |
| FCF Margin % | — | — | — | — | — | — | — | — |
| Dividends Paid | $5M | $5M | $5M | $4M | $4M | $4M | $4M | $4M |
USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).
| Balance sheet | 2026-06-30 | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 | 2017-12-31 | 2016-12-31 | 2015-12-31 | 2014-12-31 | 2013-12-31 | 2012-12-31 | 2011-12-31 | 2010-12-31 | 2009-12-31 | 2008-12-31 | 2007-12-31 | 2006-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | $3.2B | $3.1B | $2.6B | $2.5B | $2.5B | $2.3B | $2.2B | $1.7B | $1.3B | $1.3B | $1.2B | $1.2B | $1.2B | $1.2B | $1.3B | $1.3B | $1.3B | $1.3B | $1.3B | $1.3B | $1.1B |
| Cash & Cash Equivalents | $83M | $46M | $126M | $57M | $55M | $105M | $102M | $35M | $37M | $40M | $32M | $36M | $36M | $45M | $60M | $61M | $46M | $92M | $24M | $32M | $27M |
| Total Liabilities | $2.8B | $2.8B | $2.3B | $2.3B | $2.2B | $2.0B | $1.9B | $1.4B | $1.1B | $1.1B | $1.1B | $1.0B | $1.1B | $1.1B | $1.1B | $1.2B | $1.2B | $1.2B | $1.2B | $1.1B | $997M |
| Total Debt (Short + Long-Term) | $170M | $203M | $208M | $180M | $301M | $79M | $37M | $93M | $49M | $71M | $92M | $119M | $79M | $158M | $89M | $220M | $152M | $188M | $246M | $262M | $149M |
| Total Shareholders' Equity | $346M | $342M | $275M | $262M | $249M | $301M | $300M | $244M | $197M | $188M | $186M | $187M | $188M | $179M | $183M | $167M | $139M | $152M | $122M | $138M | $130M |
USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).
Quarterly statements, profitability ratios, price history, insider activity and institutional holders are in the interactive CZNC viewer.
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