Citizens & Northern Corporation (CZNC)

NASDAQ: CZNC · Real-Time Price · USD

25.32

-0.02 (-0.08%)

Sep 1, 2026, 4:00 PM EDT - Market closed

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	Jun '26 Jun 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	127.27	116.63	106.13	104.63	100.31	100.16
Revenue Growth	17.50%	9.90%	1.43%	4.31%	0.15%	13.60%
Net Income	25.27	23.25	25.75	23.96	26.38	30.31
Earnings Per Share	1.47	1.46	1.69	1.57	1.71	1.92
EPS Growth	-15.59%	-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	Jun '26 Jun 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	83.59	47.38	128.56	59.67	58.69	108.05
Total Debt	171.09	194.37	213.21	218.13	189.57	84.41
Net Cash (Debt)	-87.5	-147	-84.65	-158.45	-130.89	23.64
Net Cash Growth	-	-	-	-	-	227.09%
Net Cash Per Share	-5.10	-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	Jun '26 Jun 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	45.99	32	33.04	33.55	34.6	34.84
Capital Expenditures	-1.22	-1.91	-1.91	-2.27	-3.29	-1.86
Free Cash Flow	44.77	30.1	31.13	31.28	31.31	32.98
Free Cash Flow Growth	64.35%	-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	Jun '26 Jun 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	19.85%	19.93%	24.26%	22.90%	26.30%	30.26%
FCF Margin	35.18%	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	Sep '26 Sep 2, 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	1.120	1.120	1.120	1.120	1.120	1.120
Dividend Per Share Growth	0%	0%	0%	0%	0%	3.70%
Dividend Yield	4.42%	5.76%	6.61%	5.81%	6.02%	5.51%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 2, 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	17.19	15.45	11.14	14.30	13.43	13.57
Forward PE	9.41	8.48	10.42	14.57	11.97	14.04
P/FCF Ratio	10.14	11.93	9.21	10.95	11.32	12.48
PS Ratio	3.57	3.08	2.70	3.27	3.53	4.11