CZNC
Citizens & Northern Corporation
NASDAQ · USFinancial ServicesBanks - Regional
$23.47+0.56%
Price as of Jul 20, 2026
CZNC financials
Citizens & Northern Corporation financial statements
Annual and quarterly income statement, balance sheet and cash-flow history. On small screens, start with four periods and expand the table when needed.
| Metric | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|
| Income statement | ||||
| Revenue | $154.2M | $155.5M | $136.2M | $115.5M |
| Cost of revenue | $53.4M | $51.2M | $33.3M | $16.8M |
| Gross profit | $100.8M | $104.3M | $102.9M | $98.7M |
| Operating expenses | $72.1M | $72.4M | $72.5M | $66.4M |
| Operating income | $28.6M | $31.9M | $30.5M | $32.4M |
| Net income | $23.4M | $26.0M | $24.1M | $26.6M |
| EBITDA | $31.0M | $34.1M | $32.6M | $34.7M |
| Basic EPS | $1.46 | $1.69 | $1.57 | $1.71 |
| Diluted EPS | $1.46 | $1.69 | $1.57 | $1.71 |
| Balance sheet | ||||
| Cash & equivalents | $46.1M | $126.2M | $56.9M | $55.0M |
| Total assets | $3.1B | $2.6B | $2.5B | $2.5B |
| Total liabilities | $2.8B | $2.3B | $2.3B | $2.2B |
| Stockholders’ equity | $341.7M | $275.3M | $262.4M | $249.3M |
| Total debt | $193.1M | $207.7M | $211.8M | $181.8M |
| Net debt | $147.0M | $81.5M | $154.9M | $126.7M |
| Cash flow | ||||
| Operating cash flow | $32.0M | $33.0M | $33.5M | $34.6M |
| Capital expenditure | -$1.9M | -$1.9M | -$2.3M | -$3.3M |
| Free cash flow | $30.1M | $31.1M | $31.3M | $31.3M |
| Dividends paid | -$16.3M | -$15.5M | -$15.6M | -$15.9M |
| Share repurchases | -$218.0K | -$629.0K | -$6.8M | -$9.3M |