CZNC

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Citizens & Northern Corp

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Key Metrics

Previous Close: $25.19
52-Week Range: $18.87 – $26.37
Market Cap: $459.67M
P/E (TTM): 17.44
EPS (TTM): 1.47
Dividend Yield: 4.37%

Advanced Metrics

Price/Book: 1.33
PEG Ratio: 1.21
Return on Equity: 8.02%
Return on Assets: 0.88%
Gross Margin: 0.00%
Operating Margin: 42.23%
Profit Margin: 19.92%
Current Ratio: —
Debt/Equity: —
Total Debt: $171.09M
Free Cash Flow: —
Revenue Growth: 53.20%
Earnings Growth: 100.20%
Enterprise Value: $547.17M

CZNC Income statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Revenue	$105.96M	$103.14M	$106.51M	$120.84M
Selling, General & Admin	$41.83M	$44.20M	$44.93M	$47.39M
Pretax Income	$32.35M	$30.48M	$31.87M	$28.64M
Income Tax	$5.73M	$6.33M	$5.91M	$5.22M
Net Income	$26.62M	$24.15M	$25.96M	$23.43M
Diluted EPS	1.71	1.57	1.69	1.46
Diluted Shares	15.46M	15.24M	15.26M	15.95M

CZNC Balance Sheet statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Cash & Equivalents	$55.05M	$56.88M	$126.17M	$46.06M
Receivables	$8.65M	$9.14M	$8.73M	$11.59M
Total Assets	$2.45B	$2.52B	$2.61B	$3.13B
Long-Term Debt	$62.60M	$177.88M	$205.18M	$160.85M
Total Debt	$178.72M	$209.38M	$205.18M	$187.85M
Total Liabilities	$2.20B	$2.25B	$2.34B	$2.79B
Retained Earnings	$151.74M	$157.03M	$165.78M	$171.21M
Shareholders' Equity	$249.32M	$262.38M	$275.28M	$341.71M
Net Debt	$123.67M	$152.51M	$79.01M	$141.80M

CZNC Cash Flow statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Operating Cash Flow	$34.60M	$33.55M	$33.03M	$32.00M
Capital Expenditure	-$3.29M	-$2.27M	-$1.91M	-$1.91M
Free Cash Flow	$31.31M	$31.28M	$31.13M	$30.10M
Depreciation & Amortisation	$2.39M	$2.15M	$2.18M	$2.36M
Stock-Based Compensation	$1.26M	$1.47M	$1.49M	$1.29M
Investing Cash Flow	-$234.69M	-$53.20M	-$20.94M	$196.00K
Financing Cash Flow	$151.94M	$24.73M	$58.70M	-$111.07M
Dividends Paid	-$15.87M	-$15.57M	-$15.53M	-$16.29M
Share Repurchases	-$9.35M	-$6.78M	-$629.00K	-$218.00K
Net Change in Cash	-$48.15M	$5.08M	$70.80M	-$78.87M

CZNC Income statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Revenue	$28.88M	$29.04M	$36.33M	$36.07M	$38.88M
Selling, General & Admin	$11.07M	$11.29M	$13.27M	$13.20M	$13.20M
Pretax Income	$7.53M	$8.02M	$5.39M	$335.00K	$17.43M
Income Tax	$1.42M	$1.46M	$926.00K	$62.00K	$3.37M
Net Income	$6.12M	$6.55M	$4.47M	$273.00K	$14.06M
Diluted EPS	0.40	0.42	0.25	0.02	0.79
Diluted Shares	15.36M	15.40M	17.67M	17.73M	17.77M

CZNC Balance Sheet statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Cash & Equivalents	$99.62M	$123.09M	$46.06M	$54.80M	$82.54M
Receivables	$8.72M	$9.66M	$11.59M	$11.90M	$10.94M
Total Assets	$2.61B	$2.66B	$3.13B	$3.16B	$3.15B
Long-Term Debt	$183.72M	$172.76M	$160.85M	$179.46M	$155.39M
Total Debt	$183.72M	$172.76M	$187.85M	$192.57M	$169.65M
Total Liabilities	$2.32B	$2.37B	$2.79B	$2.83B	$2.81B
Retained Earnings	$169.52M	$171.73M	$171.21M	$166.48M	$175.52M
Shareholders' Equity	$286.36M	$293.96M	$341.71M	$335.56M	$346.14M
Net Debt	$84.10M	$49.67M	$141.80M	$137.77M	$87.11M

CZNC Cash Flow statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Operating Cash Flow	$8.51M	$11.33M	$10.58M	$8.65M	$15.42M
Capital Expenditure	-$485.00K	-$426.00K	-$452.00K	-$188.00K	-$150.00K
Free Cash Flow	$8.03M	$10.90M	$10.13M	$8.47M	$15.27M
Depreciation & Amortisation	$562.00K	$561.00K	$687.00K	$687.00K	$689.00K
Stock-Based Compensation	$331.00K	$337.00K	$294.00K	$313.00K	$337.00K
Investing Cash Flow	-$16.54M	-$29.11M	$50.02M	-$34.04M	$36.48M
Financing Cash Flow	-$6.84M	$42.01M	-$137.38M	$34.12M	-$23.92M
Dividends Paid	-$3.91M	-$3.91M	-$4.55M	-$4.60M	-$4.57M
Share Repurchases	$0.00	$0.00	-$10.00K	-$180.00K	-$30.00K
Net Change in Cash	-$14.87M	$24.22M	-$76.78M	$8.74M	$27.99M

Market Snapshot

About

Citizens & Northern Corp is a bank holding company based in Wellsboro, Pennsylvania. Through its subsidiary Citizens & Northern Bank, the company provides a full range of banking and financial services to individual and corporate customers in north-central Pennsylvania and the Southern Tier of New York. The bank offers commercial and personal banking, mortgage lending, wealth management, and trust services. Citizens & Northern has a community banking focus with deep roots in its operating regions dating back to 1864.