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 Income 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 Interest Income	108.81	95.34	83.55	81.84	83.13	77.94
Net Interest Income Growth	33.11%	14.12%	2.08%	-1.55%	6.66%	15.35%
Non-Interest Income	33.63	30.85	29.21	24.42	24.43	25.88
Non-Interest Income Growth	12.75%	5.63%	19.63%	-0.06%	-5.60%	5.58%
Revenues Before Loan Losses	142.44	126.19	112.76	106.26	107.56	103.82
Provision for Credit Losses	15.24	6.07	2.2	0.19	7.26	3.66
Revenue	127.2	120.12	110.56	106.07	100.31	100.16
Revenue Growth	17.44%	8.64%	4.23%	5.75%	0.15%	13.60%
Compensation Expenses	50.96	47.39	44.93	44.2	41.83	37.6
Selling, General & Admin	21.32	19.22	17.23	17.12	15.95	14.56
Other Non-Interest Expenses	23.83	21.38	12.09	12.84	10.18	10.31
Total Non-Interest Expense	96.1	87.99	74.26	74.15	67.96	62.47
Pretax Income	31.17	28.64	31.87	30.48	32.35	37.69
Provision for Income Taxes	5.82	5.22	5.91	6.34	5.73	7.13
Net Income	25.35	23.43	25.96	24.15	26.62	30.55
Net Income to Common	25.35	23.43	25.96	24.15	26.62	30.55
Net Income Growth	-5.95%	-9.75%	7.50%	-9.28%	-12.88%	58.95%
Shares Outstanding (Basic)	17	16	15	15	15	16
Shares Outstanding (Diluted)	17	16	15	15	15	16
Shares Change	11.97%	4.50%	0.14%	-1.40%	-1.99%	6.95%
EPS (Basic)	1.48	1.46	1.69	1.57	1.71	1.92
EPS (Diluted)	1.48	1.46	1.69	1.57	1.71	1.92
EPS Growth	-15.43%	-13.61%	7.64%	-8.19%	-10.94%	47.69%

Additional Metrics

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
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%
Free Cash Flow Per Share	2.61	1.89	2.04	2.05	2.03	2.09
Dividends Per Share	1.120	1.120	1.120	1.120	1.120	1.120
Dividend Growth	0%	0%	0%	0%	0%	3.70%
Profit Margin	19.93%	19.50%	23.48%	22.77%	26.54%	30.51%
FCF Margin	35.20%	25.06%	28.16%	29.49%	31.22%	32.93%
Effective Tax Rate	18.67%	18.21%	18.55%	20.78%	17.72%	18.93%

SEC Filings: 10-K · 10-Q