Citizens & Northern Corporation (CZNC)
NASDAQ: CZNC · Real-Time Price · USD
19.60
+0.09 (0.46%)
Nov 14, 2025, 4:00 PM EST - Market closed
Citizens & Northern Cash Flow Statement
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Fiscal Year | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | 2015 - 2019 |
|---|---|---|---|---|---|---|---|
Period Ending | Sep '25 Sep 30, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 | Dec '20 Dec 31, 2020 | 2015 - 2019 |
Net Income | 27.14 | 25.96 | 24.15 | 26.62 | 30.55 | 19.22 | Upgrade |
Depreciation & Amortization | 2 | 1.93 | 1.86 | 1.21 | 2.67 | 2.52 | Upgrade |
Gain (Loss) on Sale of Investments | 1.43 | 1.65 | 5.1 | 2.74 | 2.18 | 1.4 | Upgrade |
Provision for Credit Losses | 4.22 | 2.2 | 0.19 | 7.26 | 3.66 | 3.91 | Upgrade |
Net Decrease (Increase) in Loans Originated / Sold - Operating | 2.62 | -1.03 | 0.48 | 1.41 | 2.27 | 4.24 | Upgrade |
Accrued Interest Receivable | 1.03 | -3.01 | -1.4 | -3.53 | 0.19 | -2.65 | Upgrade |
Change in Other Net Operating Assets | -1.86 | -1.83 | -2.7 | -0.55 | -0.57 | -0.52 | Upgrade |
Other Operating Activities | -0.37 | -1.15 | 0.97 | -0.46 | -4.1 | -1.47 | Upgrade |
Operating Cash Flow | 33.5 | 33.04 | 33.55 | 34.6 | 34.84 | 24.78 | Upgrade |
Operating Cash Flow Growth | 16.69% | -1.53% | -3.04% | -0.70% | 40.59% | 10.34% | Upgrade |
Capital Expenditures | -1.81 | -1.91 | -2.27 | -3.29 | -1.86 | -3.14 | Upgrade |
Sale of Property, Plant and Equipment | - | - | - | - | 0.63 | - | Upgrade |
Cash Acquisitions | - | - | - | - | - | 75.96 | Upgrade |
Investment in Securities | -2.8 | 14.9 | 92.98 | -49.19 | -183.47 | 16.31 | Upgrade |
Net Decrease (Increase) in Loans Originated / Sold - Investing | -52.78 | -48.7 | -107.36 | -178.2 | 78.75 | 1.56 | Upgrade |
Other Investing Activities | 1.64 | 14.77 | -36.56 | -4.01 | 2.07 | 5.89 | Upgrade |
Investing Cash Flow | -55.75 | -20.94 | -53.2 | -234.69 | -103.9 | 96.58 | Upgrade |
Short-Term Debt Issued | - | - | - | 78.26 | - | - | Upgrade |
Long-Term Debt Issued | - | 59.39 | 85.44 | 50 | 39.1 | 25.89 | Upgrade |
Total Debt Issued | - | 59.39 | 85.44 | 128.26 | 39.1 | 25.89 | Upgrade |
Short-Term Debt Repaid | - | -31.39 | -46.19 | - | -18.15 | -99.97 | Upgrade |
Long-Term Debt Repaid | - | -32.25 | -9.4 | -23.96 | -34.1 | -54.83 | Upgrade |
Total Debt Repaid | -51.66 | -63.64 | -55.58 | -23.96 | -52.25 | -154.8 | Upgrade |
Net Debt Issued (Repaid) | -51.66 | -4.25 | 29.85 | 104.3 | -13.15 | -128.91 | Upgrade |
Issuance of Common Stock | - | - | - | 0.16 | 0.21 | 0.13 | Upgrade |
Repurchase of Common Stock | -0.18 | -0.63 | -6.78 | -9.35 | -7.59 | -0.16 | Upgrade |
Common Dividends Paid | -15.64 | -15.53 | -15.57 | -15.87 | -15.98 | -14.47 | Upgrade |
Net Increase (Decrease) in Deposit Accounts | 29.86 | 79.11 | 17.23 | 72.69 | 105.38 | 86.94 | Upgrade |
Financing Cash Flow | -37.63 | 58.7 | 24.73 | 151.94 | 68.88 | -56.47 | Upgrade |
Net Cash Flow | -59.87 | 70.8 | 5.08 | -48.15 | -0.17 | 64.9 | Upgrade |
Free Cash Flow | 31.69 | 31.13 | 31.28 | 31.31 | 32.98 | 21.65 | Upgrade |
Free Cash Flow Growth | 20.65% | -0.49% | -0.09% | -5.06% | 52.35% | 10.50% | Upgrade |
Free Cash Flow Margin | 28.91% | 29.33% | 29.90% | 31.22% | 32.93% | 24.55% | Upgrade |
Free Cash Flow Per Share | 2.06 | 2.04 | 2.05 | 2.02 | 2.09 | 1.47 | Upgrade |
Cash Interest Paid | 48.18 | 48.56 | 31.94 | 9.5 | 8.17 | 10.74 | Upgrade |
Cash Income Tax Paid | 6.55 | 4.84 | 6.38 | 5.56 | 10.1 | 3.14 | Upgrade |
Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.