Citizens & Northern Corporation (CZNC)
NASDAQ: CZNC · Real-Time Price · USD
22.77
-0.16 (-0.70%)
At close: Mar 3, 2026, 4:00 PM EST
22.77
0.00 (0.00%)
After-hours: Mar 3, 2026, 4:53 PM EST

Citizens & Northern Cash Flow Statement

Millions USD. Fiscal year is Jan - Dec.
Fiscal Year
FY 2024FY 2023FY 2022FY 2021
Period Ending
Dec '24 Dec '23 Dec '22 Dec '21
Net Income
25.9624.1526.6230.55
Depreciation & Amortization
1.931.861.212.67
Gain (Loss) on Sale of Investments
1.655.12.742.18
Provision for Credit Losses
2.20.197.263.66
Net Decrease (Increase) in Loans Originated / Sold - Operating
-1.030.481.412.27
Accrued Interest Receivable
-3.01-1.4-3.530.19
Change in Other Net Operating Assets
-1.83-2.7-0.55-0.57
Other Operating Activities
-1.150.97-0.46-4.1
Operating Cash Flow
33.0433.5534.634.84
Operating Cash Flow Growth
-1.53%-3.04%-0.70%40.59%
Capital Expenditures
-1.91-2.27-3.29-1.86
Sale of Property, Plant and Equipment
---0.63
Investment in Securities
14.992.98-49.19-183.47
Net Decrease (Increase) in Loans Originated / Sold - Investing
-48.7-107.36-178.278.75
Other Investing Activities
14.77-36.56-4.012.07
Investing Cash Flow
-20.94-53.2-234.69-103.9
Short-Term Debt Issued
--78.26-
Long-Term Debt Issued
59.3985.445039.1
Total Debt Issued
59.3985.44128.2639.1
Short-Term Debt Repaid
-31.39-46.19--18.15
Long-Term Debt Repaid
-32.25-9.4-23.96-34.1
Total Debt Repaid
-63.64-55.58-23.96-52.25
Net Debt Issued (Repaid)
-4.2529.85104.3-13.15
Issuance of Common Stock
--0.160.21
Repurchase of Common Stock
-0.63-6.78-9.35-7.59
Common Dividends Paid
-15.53-15.57-15.87-15.98
Net Increase (Decrease) in Deposit Accounts
79.1117.2372.69105.38
Financing Cash Flow
58.724.73151.9468.88
Net Cash Flow
70.85.08-48.15-0.17
Free Cash Flow
31.1331.2831.3132.98
Free Cash Flow Growth
-0.49%-0.09%-5.06%52.35%
Free Cash Flow Margin
29.33%29.90%31.22%32.93%
Free Cash Flow Per Share
2.042.052.022.09
Cash Interest Paid
48.5631.949.58.17
Cash Income Tax Paid
4.846.385.5610.1
Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.
SEC Filings: 10-K · 10-Q