Citizens & Northern Corporation (CZNC)

Citizens & Northern Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Interest Income	95.34	83.55	81.84	83.13	77.94
Net Interest Income Growth	14.12%	2.08%	-1.55%	6.66%	15.35%
Non-Interest Income	30.85	29.21	24.42	24.43	25.88
Non-Interest Income Growth	5.63%	19.63%	-0.06%	-5.60%	5.58%
Revenues Before Loan Losses	126.19	112.76	106.26	107.56	103.82
Provision for Credit Losses	6.07	2.2	0.19	7.26	3.66
Revenue	120.12	110.56	106.07	100.31	100.16
Revenue Growth (YoY)	8.64%	4.23%	5.75%	0.15%	13.60%
Compensation Expenses	47.39	44.93	44.2	41.83	37.6
Selling, General & Admin	19.22	17.23	17.12	15.95	14.56
Other Non-Interest Expenses	21.38	12.09	12.84	10.18	10.31
Total Non-Interest Expense	87.99	74.26	74.15	67.96	62.47
Pretax Income	28.64	31.87	30.48	32.35	37.69
Provision for Income Taxes	5.22	5.91	6.34	5.73	7.13
Net Income	23.43	25.96	24.15	26.62	30.55
Net Income to Common	23.43	25.96	24.15	26.62	30.55
Net Income Growth	-9.75%	7.50%	-9.28%	-12.88%	58.95%
Shares Outstanding (Basic)	16	15	15	15	16
Shares Outstanding (Diluted)	16	15	15	15	16
Shares Change (YoY)	4.50%	0.14%	-1.40%	-1.99%	6.95%
EPS (Basic)	1.46	1.69	1.57	1.71	1.92
EPS (Diluted)	1.46	1.69	1.57	1.71	1.92
EPS Growth	-13.61%	7.64%	-8.19%	-10.94%	47.69%
Free Cash Flow	30.1	31.13	31.28	31.31	32.98
Free Cash Flow Growth	-3.31%	-0.49%	-0.09%	-5.06%	52.35%
Free Cash Flow Per Share	1.89	2.04	2.05	2.03	2.09
Dividends Per Share	1.120	1.120	1.120	1.120	1.120
Dividend Growth	-	-	-	-	3.70%
Profit Margin	19.50%	23.48%	22.77%	26.54%	30.51%
FCF Margin	25.06%	28.16%	29.49%	31.22%	32.93%
EBITDA	2.36	2.18	2.15	2.39	2.13
EBITDA Margin	1.97%	1.97%	2.03%	2.38%	2.13%
Effective Tax Rate	18.21%	18.55%	20.78%	17.72%	18.93%

Updated Dec 31, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q