Citizens & Northern Corporation (CZNC)

Citizens & Northern Income Statement

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

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Interest Income	100.58	95.34	83.55	81.84	83.13	77.94
Net Interest Income Growth	24.50%	14.12%	2.08%	-1.55%	6.66%	15.35%
Non-Interest Income	32	30.85	29.21	24.42	24.43	25.88
Non-Interest Income Growth	8.33%	5.63%	19.63%	-0.06%	-5.60%	5.58%
Revenues Before Loan Losses	132.58	126.19	112.76	106.26	107.56	103.82
Provision for Credit Losses	19.44	6.07	2.2	0.19	7.26	3.66
Revenue	113.14	120.12	110.56	106.07	100.31	100.16
Revenue Growth (YoY)	3.94%	8.64%	4.23%	5.75%	0.15%	13.60%
Compensation Expenses	48.83	47.39	44.93	44.2	41.83	37.6
Selling, General & Admin	20.35	19.22	17.23	17.12	15.95	14.56
Other Non-Interest Expenses	22.48	21.38	12.09	12.84	10.18	10.31
Total Non-Interest Expense	91.66	87.99	74.26	74.15	67.96	62.47
Pretax Income	21.27	28.64	31.87	30.48	32.35	37.69
Provision for Income Taxes	3.87	5.22	5.91	6.34	5.73	7.13
Net Income	17.41	23.43	25.96	24.15	26.62	30.55
Net Income to Common	17.41	23.43	25.96	24.15	26.62	30.55
Net Income Growth	-35.40%	-9.75%	7.50%	-9.28%	-12.88%	58.95%
Shares Outstanding (Basic)	16	16	15	15	15	16
Shares Outstanding (Diluted)	16	16	15	15	15	16
Shares Change (YoY)	6.35%	4.50%	0.14%	-1.40%	-1.99%	6.95%
EPS (Basic)	1.09	1.46	1.69	1.57	1.71	1.92
EPS (Diluted)	1.09	1.46	1.69	1.57	1.71	1.92
EPS Growth	-37.71%	-13.61%	7.64%	-8.19%	-10.94%	47.69%
Shares Outstanding	17.91	17.82	15.43	15.3	15.52	15.76
Free Cash Flow	37.52	30.1	31.13	31.28	31.31	32.98
Free Cash Flow Growth	24.67%	-3.31%	-0.49%	-0.09%	-5.06%	52.35%
Free Cash Flow Per Share	2.31	1.89	2.04	2.05	2.03	2.09
Dividends Per Share	1.120	1.120	1.120	1.120	1.120	1.120
Dividend Growth	-	-	-	-	-	3.70%
Profit Margin	15.39%	19.50%	23.48%	22.77%	26.54%	30.51%
FCF Margin	33.16%	25.06%	28.16%	29.49%	31.22%	32.93%
EBITDA	2.5	2.36	2.18	2.15	2.39	2.13
EBITDA Margin	2.21%	1.97%	1.97%	2.03%	2.38%	2.13%
Effective Tax Rate	18.18%	18.21%	18.55%	20.78%	17.72%	18.93%

Updated May 8, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q