Revenue
Unavailable
Fiscal year ended 2025-12-31Net income
$23.43M
Fiscal year ended 2025-12-31Total assets
$3.13B
Fiscal year ended 2025-12-31CITIZENS & NORTHERN CORP (CZNC) reported net income of $23.43M for the fiscal year ended 2025-12-31. This page shows 10 annual periods of income statement, balance sheet and cash flow figures normalized from CITIZENS & NORTHERN CORP’s SEC filings, each linked to the filing it came from. It is classified by the SEC under State Commercial Banks.
Banks, brokers and insurers present a top line that is not comparable with an operating company’s revenue: it is reported net of interest expense, or as premiums earned, depending on the filer. The figures are the filer’s own and are traceable to the filing; the comparison across classes is what does not hold.
Income
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 | 2017-12-31 | 2016-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Cost of revenue | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Gross profit | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Operating income | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Net income | $23.43M | $25.96M | $24.15M | $26.62M | $30.55M | $19.22M | $19.50M | $22.01M | $13.43M | $15.76M |
| Research & development | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Weighted-average diluted shares | Unavailable | shares 15.26M | shares 15.24M | shares 15.46M | shares 15.77M | shares 14.75M | shares 13.32M | shares 12.26M | shares 12.16M | shares 12.06M |
| Pretax income | $28.64M | $31.87M | $30.48M | $32.35M | $37.69M | $23.21M | $23.41M | $26.26M | $20.59M | $21.11M |
| Income tax expense | $5.22M | $5.91M | $6.34M | $5.73M | $7.13M | $3.99M | $3.90M | $4.25M | $7.16M | $5.35M |
| Diluted EPS | Unavailable | $1.69 | $1.57 | $1.71 | $1.92 | $1.30 | $1.46 | $1.79 | $1.10 | $1.30 |
| Selling, general & administrative | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| General & administrative | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Selling & marketing | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
Balance
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 | 2017-12-31 | 2016-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & equivalents | $46.06M | $126.17M | $56.88M | $55.05M | $104.95M | $101.86M | $35.20M | $37.49M | $40.24M | $28.62M |
| Total assets | $3.13B | $2.61B | $2.52B | $2.45B | $2.33B | $2.24B | $1.65B | $1.29B | $1.28B | $1.24B |
| Current assets | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Total liabilities | $2.79B | $2.34B | $2.25B | $2.20B | $2.03B | $1.94B | $1.41B | $1.09B | $1.09B | $1.06B |
| Current liabilities | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Total equity incl. NCI | $341.71M | $275.28M | $262.38M | $249.32M | $301.40M | $299.76M | $244.45M | $197.37M | $188.44M | $186.01M |
| Temporary (mezzanine) equity | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Inventory | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Accounts receivable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Goodwill | $63.31M | $52.50M | $52.50M | $52.50M | $52.50M | $52.50M | $28.39M | $11.94M | $11.94M | $11.94M |
| Long-term debt | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | $35.92M | $9.19M | $38.45M |
| Accounts payable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
Cash flow
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 | 2017-12-31 | 2016-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $32.00M | $33.04M | $33.55M | $34.60M | $34.84M | $24.78M | $22.46M | $25.89M | $19.37M | $18.51M |
| Capital expenditures | $1.90M | $1.91M | $2.26M | $3.29M | $1.86M | $3.14M | $2.87M | $1.17M | $1.70M | $1.58M |
| Investing cash flow | $196.00K | -$20.94M | -$53.20M | -$234.69M | -$103.90M | $96.58M | $22.67M | -$21.65M | -$30.90M | -$29.40M |
| Financing cash flow | -$111.07M | $58.70M | $24.73M | $151.94M | $68.88M | -$56.47M | -$46.83M | -$8.42M | $19.91M | $6.20M |
| Net change in cash | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | -$1.70M | -$4.18M | $8.38M | -$4.69M |
| Stock-based compensation | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Common dividends paid | $16.29M | $15.53M | $15.57M | $15.86M | $15.98M | $14.47M | $14.04M | $11.75M | $11.14M | $11.11M |
| Common share repurchases | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | $163.00K | $189.00K | $0 | $0 | $3.72M |
| Depreciation & amortization | $2.36M | $2.18M | $2.15M | $2.39M | $2.13M | $1.98M | $1.75M | $1.75M | $1.64M | Unavailable |
Derived
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 | 2017-12-31 | 2016-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|
| Free cash flow | $30.10M | $31.13M | $31.28M | $31.31M | $32.98M | $21.65M | $19.59M | $24.72M | $17.68M | $16.93M |
| Gross margin | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Operating margin | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| FCF margin | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| SBC / revenue | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Current ratio | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Revenue YoY growth | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Net margin | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| R&D / revenue | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| CapEx / revenue | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Long-term debt / equity | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Effective tax rate | 18.2% | 18.6% | 20.8% | 17.7% | 18.9% | 17.2% | 16.7% | 16.2% | 34.8% | 25.3% |
Amounts are abbreviated; the exact reported value is carried in each cell. — means unavailable, not zero. Open CZNC in the interactive workspace to inspect any figure back to its filing.
Source filings
10-Q · Filed 2026-08-07View SEC filing
10-Q · Filed 2026-05-08View SEC filing
10-K · Filed 2026-03-06View SEC filing
10-Q · Filed 2025-11-07View SEC filing
10-Q · Filed 2025-08-08View SEC filing
10-Q · Filed 2025-05-09View SEC filing
Every accounting identity this site checks — the balance sheet, the gross profit bridge and the cash flow statement — reconciles in every period shown.