Citizens & Northern Corporation (CZNC)
NASDAQ: CZNC · Real-Time Price · USD
23.16
-0.01 (-0.04%)
At close: Feb 11, 2026, 4:00 PM EST
23.16
0.00 (0.00%)
After-hours: Feb 11, 2026, 4:10 PM EST

Citizens & Northern Cash Flow Statement

Millions USD. Fiscal year is Jan - Dec.
Fiscal Year
FY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Dec '25 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