Citizens & Northern Income Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 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
Net Interest Income	87.65	95.34	83.55	81.84	83.13	77.94
Net Interest Income Growth	29.03%	14.12%	2.08%	-1.55%	6.66%	15.35%
Non-Interest Income	32.08	30.85	29.21	24.42	24.43	25.88
Non-Interest Income Growth	8.58%	5.63%	19.63%	-0.06%	-5.60%	5.58%
Revenues Before Loan Losses	119.73	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	100.29	120.12	110.56	106.07	100.31	100.16
Revenue Growth (YoY)	4.47%	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	68.95	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	4.44	23.43	25.96	24.15	26.62	30.55
Net Income Growth	-45.24%	-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%
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	17.36%	19.50%	23.48%	22.77%	26.54%	30.51%
FCF Margin	37.42%	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	2.49%	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%

SEC Filings: 10-K · 10-Q