Revenue
Unavailable
Fiscal year ended 2026-06-30Net income
$14.06M
Fiscal year ended 2026-06-30Total assets
$3.15B
Fiscal year ended 2026-06-30CITIZENS & NORTHERN CORP (CZNC) reported net income of $14.06M for the fiscal year ended 2026-06-30. 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 | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 |
|---|---|---|---|---|---|---|---|---|---|---|
| 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 | $14.06M | $273.00K | $4.47M | $6.55M | $6.12M | $6.29M | $8.17M | $6.36M | $6.11M | $5.31M |
| Research & development | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Weighted-average diluted shares | Unavailable | shares 17.73M | Unavailable | shares 15.40M | shares 15.36M | shares 15.34M | Unavailable | shares 15.27M | shares 15.26M | shares 15.23M |
| Pretax income | $17.42M | $335.00K | $5.39M | $8.02M | $7.53M | $7.70M | $10.12M | $7.81M | $7.48M | $6.46M |
| Income tax expense | $3.37M | $62.00K | $926.00K | $1.46M | $1.42M | $1.41M | $1.95M | $1.45M | $1.37M | $1.15M |
| Diluted EPS | Unavailable | $0.02 | Unavailable | $0.42 | $0.40 | $0.41 | Unavailable | $0.41 | $0.40 | $0.35 |
| 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 | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & equivalents | $82.54M | $54.80M | $46.06M | $123.09M | $99.62M | $114.74M | $126.17M | $184.21M | $100.41M | $46.45M |
| Total assets | $3.15B | $3.16B | $3.13B | $2.66B | $2.61B | $2.61B | $2.61B | $2.67B | $2.59B | $2.52B |
| Current assets | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Total liabilities | $2.81B | $2.83B | $2.79B | $2.37B | $2.32B | $2.33B | $2.34B | $2.39B | $2.33B | $2.26B |
| Current liabilities | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Total equity incl. NCI | $346.14M | $335.56M | $341.71M | $293.96M | $286.36M | $281.83M | $275.28M | $277.30M | $263.22M | $261.66M |
| 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 | $63.31M | $63.31M | $52.50M | $52.50M | $52.50M | $52.50M | $52.50M | $52.50M | $52.50M |
| Long-term debt | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Accounts payable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
Cash flow
| Metric | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $15.42M | $8.65M | $10.58M | $11.33M | $8.51M | $1.58M | $12.08M | $6.60M | $8.63M | $5.73M |
| Capital expenditures | $150.00K | $188.00K | $452.00K | $426.00K | $485.00K | $542.00K | $352.00K | $150.00K | $660.00K | $744.00K |
| Investing cash flow | $36.48M | -$34.04M | $50.02M | -$29.12M | -$16.54M | -$4.17M | -$5.92M | $22.05M | -$18.44M | -$18.62M |
| Financing cash flow | -$23.92M | $34.12M | -$137.38M | $42.01M | -$6.84M | -$8.85M | -$63.94M | $56.15M | $64.02M | $2.46M |
| Net change in cash | $27.99M | $8.74M | Unavailable | $24.22M | -$14.87M | -$11.44M | Unavailable | $84.80M | $54.21M | -$10.43M |
| Stock-based compensation | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Common dividends paid | $4.56M | $4.60M | $4.55M | $3.91M | $3.91M | $3.93M | $3.89M | $3.88M | $3.88M | $3.88M |
| Common share repurchases | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Depreciation & amortization | $689.00K | $687.00K | $687.00K | $561.00K | $562.00K | $553.00K | $551.00K | $578.00K | $545.00K | $509.00K |
Derived
| Metric | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 |
|---|---|---|---|---|---|---|---|---|---|---|
| Free cash flow | $15.27M | $8.47M | $10.13M | $10.90M | $8.03M | $1.04M | $11.72M | $6.45M | $7.97M | $4.98M |
| 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 | 19.3% | 18.5% | 17.2% | 18.3% | 18.8% | 18.3% | 19.2% | 18.5% | 18.3% | 17.8% |
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.