Citizens & Northern Corporation (CZNC) Financial Statements

Income statement

Metric	TTM	2025	2024	2023	2022
Revenue
Total Revenue	164.3M	154.2M	155.5M	136.2M	115.5M
Cost of Revenue	79.3M	53.4M	51.2M	33.3M	16.8M
Gross Profit	85.1M	100.8M	104.3M	102.9M	98.7M
Operating Expenses
R&D Expense	—	—	—	—	—
SG&A Expense	55.0M	53.2M	44.9M	44.2M	41.8M
General & Admin Expense	55.0M	53.2M	44.9M	44.2M	41.8M
Selling & Marketing Expense	—	—	—	—	—
Other Expenses	16.6M	18.9M	27.5M	28.3M	24.5M
Total Operating Expenses	71.7M	72.1M	72.4M	72.5M	66.4M
Cost and Expenses	150.9M	125.5M	123.6M	105.8M	83.1M
Operating Income (EBIT)	13.4M	28.6M	31.9M	30.5M	32.4M
Non-Operating
Interest Income	75.1M	139.2M	128.1M	113.5M	92.6M
Interest Expense	48.4M	47.4M	49.0M	33.1M	9.5M
Net Interest Income	26.7M	91.9M	79.1M	80.4M	83.1M
Other Non-Op Income/Expense	17.8M	—	—	—	—
Non-Operating Income (excl Interest)	—	—	—	—	—
EBT (Pre-Tax Income)	31.2M	28.6M	31.9M	30.5M	32.4M
Income Tax Expense	5.8M	5.2M	5.9M	6.3M	5.7M
Bottom Line
Net Income	25.3M	23.4M	26.0M	24.1M	26.6M
Earnings from Cont. Ops	25.3M	23.4M	26.0M	24.1M	26.6M
Earnings from Discont. Ops	—	—	—	—	—
Bottom Line Net Income	25.3M	23.2M	25.7M	24.0M	26.4M
Per Share
Basic EPS	$1.48	$1.46	$1.69	$1.57	$1.71
Diluted EPS	$1.48	$1.46	$1.69	$1.57	$1.71
Revenue Per Share	$9.30	$9.67	$10.19	$8.94	$7.47
Shares
Basic Shares Outstanding	17.7M	15.9M	15.3M	15.2M	15.5M
Diluted Shares Outstanding	17.7M	15.9M	15.3M	15.2M	15.5M
Profitability Metrics
EBITDA	14.7M	31.0M	34.1M	32.6M	34.7M
D&A	1.2M	2.4M	2.2M	2.2M	2.4M
EBIT	13.4M	28.6M	31.9M	30.5M	32.4M

As reported, in the filing currency · TTM sums the four latest quarters; MRQ is the latest quarter · Negatives in parentheses; a dash is a line the filing does not carry · Data as of Jun 1, 2026