Citizens & Northern Corporation (CZNC)

NASDAQ: CZNC · Real-Time Price · USD

25.32

-0.04 (-0.16%)

At close: Aug 10, 2026, 4:00 PM EDT

25.32

0.00 (0.00%)

After-hours: Aug 10, 2026, 7:34 PM EDT

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 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
Net Income	25.35	23.43	25.96	24.15	26.62	30.55
Depreciation & Amortization	2.62	2.36	2.18	2.15	2.39	2.13
Provision for Credit Losses	15.24	6.07	2.2	0.19	7.26	3.66
Stock-Based Compensation	1.28	1.29	1.49	1.47	1.26	1.21
Net Change in Loans Held-for-Sale	-1.53	0.49	-2.19	-0.25	0.65	-1.16
Other Adjustments	2.1	2.42	-1.58	3.08	0.55	-1.96
Changes in Accrued Interest and Accounts Receivable	3.65	-0.76	-3.01	-1.4	-3.53	0.19
Changes in Accounts Payable	-2.73	-3.3	7.99	4.16	-0.59	0.21
Operating Cash Flow	45.99	32	33.04	33.55	34.6	34.84
Operating Cash Flow Growth	59.84%	-3.12%	-1.53%	-3.04%	-0.70%	40.59%
Net Change in Loans Held-for-Investment	-45.48	-65.8	-48.7	-107.36	-178.2	78.75
Net Change in Securities and Investments	-79.32	61.69	15.05	85.68	-54.05	-183.07
Cash Acquisitions	-	5.83	0	0	-	-
Capital Expenditures	-1.22	-1.91	-1.91	-2.27	-3.29	-1.86
Sale of Property, Plant & Equipment	-	-	-	-	-	0.63
Other Investing Activities	0.06	0.39	14.62	-29.26	0.85	1.66
Investing Cash Flow	23.35	0.2	-20.94	-53.2	-234.69	-103.9
Net Change in Deposits	-7.14	-30.37	79.11	17.23	72.69	105.38
Net Change in Short-Term Interbank Borrowing and Repurchase Agreements	-31.69	-19.67	-31.39	-46.19	78.26	-18.15
Long-Term Debt Issued	33.05	0	59.39	85.44	50	39.1
Long-Term Debt Repaid	-46.56	-44.52	-32.25	-9.4	-23.96	-34.1
Net Long-Term Debt Issued (Repaid)	-13.5	-44.52	27.14	76.04	26.05	5.01
Issuance of Common Stock	-	-	-	-	0.16	0.21
Repurchase of Common Stock	-0.22	-0.22	-0.63	-6.78	-9.35	-7.59
Net Common Stock Issued (Repurchased)	-0.22	-0.22	-0.63	-6.78	-9.19	-7.37
Common Dividends Paid	-17.62	-16.29	-15.53	-15.57	-15.87	-15.98
Financing Cash Flow	-85.17	-111.07	58.7	24.73	151.94	68.88
Net Cash Flow	-15.83	-78.87	70.8	5.08	-48.15	-0.17
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%
FCF Margin	35.20%	25.06%	28.16%	29.49%	31.22%	32.93%
Free Cash Flow Per Share	2.61	1.89	2.04	2.05	2.03	2.09

SEC Filings: 10-K · 10-Q