Citizens & Northern Corporation (CZNC)

NASDAQ: CZNC · Real-Time Price · USD

28.22

-0.03 (-0.11%)

Nov 6, 2026, 11:41 AM EST - Market open

Citizens & Northern Financials Overview

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

Millions USD. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Revenue	142.59	116.63	106.13	104.63	100.31	100.16
Revenue Growth	30.06%	9.90%	1.43%	4.31%	0.15%	13.60%
Net Income	34.9	23.25	25.75	23.96	26.38	30.31
Earnings Per Share	1.97	1.46	1.69	1.57	1.71	1.92
EPS Growth	12.18%	-13.61%	7.45%	-8.02%	-11.10%	48.16%

Cash & Debt

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Investments	99.99	47.38	128.56	59.67	58.69	108.05
Total Debt	163.46	194.37	213.21	218.13	189.57	84.41
Net Cash (Debt)	-63.47	-147	-84.65	-158.45	-130.89	23.64
Net Cash Growth	-	-	-	-	-	227.09%
Net Cash Per Share	-3.58	-9.22	-5.55	-10.40	-8.47	1.50

Cash Flow & CapEx

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Operating Cash Flow	-	32	33.04	33.55	34.6	34.84
Capital Expenditures	-	-1.91	-1.91	-2.27	-3.29	-1.86
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%

Margins

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Profit Margin	24.47%	19.93%	24.26%	22.90%	26.30%	30.26%
FCF Margin	-	25.81%	29.33%	29.90%	31.22%	32.93%

Dividends

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Nov '26 Nov 6, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Dividend Per Share	1.200	1.120	1.120	1.120	1.120	1.120
Dividend Per Share Growth	1.79%	0%	0%	0%	0%	3.70%
Dividend Yield	4.28%	5.56%	6.03%	5.00%	4.91%	4.29%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Nov '26 Nov 6, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
PE Ratio	14.35	15.45	11.14	14.30	13.43	13.57
Forward PE	10.16	8.48	10.42	14.57	11.97	14.04
P/FCF Ratio	11.40	11.93	9.21	10.95	11.32	12.48
PS Ratio	3.58	3.08	2.70	3.27	3.53	4.11