CZNC · Citizens & Northern Corp - Financials
Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
Income Statement
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - | - | - | - | - |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - | - | - | - | - |
| D&A | $687.0K | - | - | - | $553.0K | - | - | - | $509.0K | - |
| Operating Income | $335.0K | - | $8.02M | $7.53M | $7.70M | - | $7.81M | $7.48M | $6.46M | - |
| Interest Expense | - | - | - | - | - | - | - | - | $11.29M | - |
| Income Tax | $62.0K | - | $1.46M | $1.42M | $1.41M | - | $1.45M | $1.37M | $1.15M | - |
| Net Income | $273.0K | - | $6.55M | $6.12M | $6.29M | - | $6.37M | $6.11M | $5.31M | - |
| EPS - Basic | $0.02 | - | $0.42 | $0.40 | $0.41 | - | $0.41 | $0.40 | $0.35 | - |
| EPS - Diluted | $0.02 | - | $0.42 | $0.40 | $0.41 | - | $0.41 | $0.40 | $0.35 | - |
Balance Sheet
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $54.80M | $46.06M | $123.09M | $99.62M | $114.74M | $126.17M | $184.21M | $100.41M | $46.45M | $56.88M |
| Accounts Receivable | - | - | - | - | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - | - | - | - | - |
| Total Assets | $3.16B | $3.13B | $2.66B | $2.61B | $2.61B | $2.61B | $2.67B | $2.59B | $2.52B | $2.52B |
| Current Liabilities | - | - | - | - | - | - | - | - | - | - |
| Long-term Debt | - | - | - | - | - | - | - | - | - | - |
| Total Liabilities | $2.83B | $2.79B | $2.37B | $2.32B | $2.33B | $2.34B | $2.39B | $2.33B | $2.26B | $2.25B |
| Stockholders' Equity | $335.56M | $341.71M | $293.96M | $286.36M | $281.83M | $275.28M | $277.31M | $263.22M | $261.66M | $262.38M |
| Retained Earnings | $166.48M | $171.21M | $171.73M | $169.52M | $167.74M | $165.78M | $161.92M | $159.86M | $158.05M | $157.03M |
Cash Flow
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $8.65M | - | - | - | $1.58M | - | - | - | $5.73M | - |
| Investing Cash Flow | ($34.04M) | - | - | - | ($4.17M) | - | - | - | ($18.62M) | - |
| Financing Cash Flow | $34.12M | - | - | - | ($8.85M) | - | - | - | $2.46M | - |
| CapEx | $188.0K | - | - | - | $542.0K | - | - | - | $744.0K | - |
| Free Cash Flow | $8.47M | - | - | - | $1.04M | - | - | - | $4.99M | - |
Ratios
| Metric | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Profitability | ||||||||||
| Gross margin | - | - | - | - | - | - | - | - | - | - |
| Operating margin | - | - | - | - | - | - | - | - | - | - |
| EBITDA margin | - | - | - | - | - | - | - | - | - | - |
| Net margin | - | - | - | - | - | - | - | - | - | - |
| Free cash flow margin | - | - | - | - | - | - | - | - | - | - |
| FCF / Net income | 31.01 | - | - | - | 0.17 | - | - | - | 0.94 | - |
| R&D / Revenue | - | - | - | - | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - | - | - | - | - |
| Effective tax rate | 18.5% | - | 18.3% | 18.8% | 18.3% | - | 18.5% | 18.3% | 17.8% | - |
| Return on assets | 0.0% | - | 0.2% | 0.2% | 0.2% | - | 0.2% | 0.2% | 0.2% | - |
| Return on equity | 0.1% | - | 2.2% | 2.1% | 2.2% | - | 2.3% | 2.3% | 2.0% | - |
| Return on invested capital | - | - | - | - | - | - | - | - | - | - |
| Liquidity | ||||||||||
| Current ratio | - | - | - | - | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - | - | - | - | - |
| Leverage | ||||||||||
| Debt / Equity | - | - | - | - | - | - | - | - | - | - |
| Debt / Assets | - | - | - | - | - | - | - | - | - | - |
| Debt / EBITDA | - | - | - | - | - | - | - | - | - | - |
| Interest coverage | - | - | - | - | - | - | - | - | 0.6x | - |
| Equity multiplier | 9.43 | 9.17 | 9.06 | 9.12 | 9.26 | 9.48 | 9.63 | 9.85 | 9.64 | 9.59 |
| Liabilities / Assets | 0.89 | 0.89 | 0.89 | 0.89 | 0.89 | 0.89 | 0.90 | 0.90 | 0.90 | 0.90 |
| Efficiency | ||||||||||
| Asset turnover | - | - | - | - | - | - | - | - | - | - |
| Inventory turnover | - | - | - | - | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - | - | - | - | - |
| Valuation | ||||||||||
| P / E | 1117.0x | - | 47.2x | 47.4x | 49.1x | - | 48.0x | 44.7x | 53.7x | - |
| P / B | 1.2x | - | 1.0x | 1.0x | 1.1x | - | 1.1x | 1.0x | 1.1x | - |
| P / S | - | - | - | - | - | - | - | - | - | - |
| EV / EBITDA | 334.0x | - | - | - | 23.5x | - | - | - | 34.4x | - |
| Growth | ||||||||||
| Revenue growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Revenue CAGR (3y) | - | - | - | - | - | - | - | - | - | - |
| Revenue CAGR (5y) | - | - | - | - | - | - | - | - | - | - |
| Gross profit growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Operating income growth (YoY) | -95.7% | - | 2.6% | 0.7% | 19.3% | - | -17.2% | 0.2% | -15.7% | - |
| Net income growth (YoY) | -95.7% | - | 2.9% | 0.1% | 18.6% | - | -16.2% | 1.2% | -15.1% | - |
| EPS growth (YoY) | -95.1% | - | 2.4% | 0.0% | 17.1% | - | -18.0% | 2.6% | -12.5% | - |
| EPS CAGR (3y) | -63.2% | - | 13.1% | -5.9% | -2.3% | - | -4.5% | -3.1% | -14.0% | - |
| EPS CAGR (5y) | -48.5% | - | 18.5% | 0.5% | 6.4% | - | 1.0% | 8.2% | -3.1% | - |
| FCF growth (YoY) | 713.3% | - | - | - | -79.1% | - | - | - | -46.2% | - |
| FCF CAGR (5y) | 9.1% | - | - | - | -18.1% | - | - | - | 16.5% | - |
| Book value growth (YoY) | 19.1% | 24.1% | 6.0% | 8.8% | 7.7% | 4.9% | 15.4% | 6.1% | 2.4% | 5.2% |
Sales by segment
From XBRL dimensional facts in the 10-K period ending 2025-12-31.
Product / service
$11.24M totalDeposit Account$5.98M · 53.2%
Debit Card$4.62M · 41.1%
Bank Servicing$643.0K · 5.7%
Peer comparison
Same SIC group: State Commercial Banks
Comparing CITIZENS & NORTHERN CORP against the 5 most active filers in the same SIC group.
Dividends
$1.12/share trailing 12 months · 0.0% YoY
| Ex-date | Per share |
|---|---|
| May 4, 2026 | $0.2800 |
| Feb 2, 2026 | $0.2800 |
| Nov 3, 2025 | $0.2800 |
| Aug 4, 2025 | $0.2800 |
| May 2, 2025 | $0.2800 |
| Feb 3, 2025 | $0.2800 |
| Oct 28, 2024 | $0.2800 |
| Jul 29, 2024 | $0.2800 |
| May 3, 2024 | $0.2800 |
| Jan 26, 2024 | $0.2800 |
| Oct 27, 2023 | $0.2800 |
| Jul 28, 2023 | $0.2800 |
| Apr 28, 2023 | $0.2800 |
| Feb 2, 2023 | $0.2800 |
| Oct 28, 2022 | $0.2800 |
| Jul 29, 2022 | $0.2800 |
| Apr 29, 2022 | $0.2800 |
| Jan 28, 2022 | $0.2800 |
| Oct 29, 2021 | $0.2800 |
| Jul 30, 2021 | $0.2800 |
| Apr 30, 2021 | $0.2800 |
| Jan 29, 2021 | $0.2700 |
| Oct 30, 2020 | $0.2700 |
| Jul 24, 2020 | $0.2700 |