Citizens & Northern Corp (CZNC) Financial Statements
Industry: State Commercial Banks
In fiscal 2025, Citizens & Northern reported revenue of $122.7M, up 13.3% from $108.3M the year before. Net income was $23.4M (a 19.1% net margin). Net interest income was $91.9M, and the efficiency ratio (noninterest expense / revenue) was 71.7%. Operating activities generated $32.0M of cash, leaving $30.1M of free cash flow. At fiscal year end, Citizens & Northern held $3.13B in total assets against $2.79B in total liabilities, including $46.1M of cash and equivalents.
Open the full interactive Citizens & Northern financials → Quarterly statements, key ratios, valuation history and price charts.
Citizens & Northern Key Stats
| Share Price | $25.19 |
|---|---|
| Market Cap | $447.7M |
| P/E Ratio | 17.3 |
| Revenue YoY Growth | +13.3% |
| 52-Week Range | $18.07 – $26.13 |
| Shares Outstanding | 17.8 million (basic, 2026 Q2) |
Citizens & Northern Income Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Net Interest Income | $67.6M | $77.9M | $83.1M | $80.4M | $79.1M | $91.9M |
| Provision for Credit Losses | $3.9M | $3.7M | $7.3M | $186,000 | $2.2M | $6.1M |
| Noninterest Income | $24.5M | $25.9M | $24.4M | $24.4M | $29.2M | $30.9M |
| Noninterest Expense | $65.0M | $62.5M | $68.0M | $74.1M | $74.3M | $88.0M |
| Revenue | $92.1M | $103.8M | $107.6M | $104.8M | $108.3M | $122.7M |
| Pre-Tax Income | $23.2M | $37.7M | $32.4M | $30.5M | $31.9M | $28.6M |
| Income Tax | $4.0M | $7.1M | $5.7M | $6.3M | $5.9M | $5.2M |
| Net Income | $19.2M | $30.6M | $26.6M | $24.1M | $26.0M | $23.4M |
| Diluted EPS | $1.30 | $1.92 | $1.71 | $1.57 | $1.69 | — |
Citizens & Northern Quarterly Results
| 2025 Q3 | 2025 Q4 | 2026 Q1 | 2026 Q2 | |
|---|---|---|---|---|
| Revenue | $29.6M | $36.9M | $36.6M | $39.4M |
| Net Income | $6.6M | $4.5M | $273,000 | $14.1M |
| Diluted EPS | $0.42 | — | $0.02 | — |
Citizens & Northern Balance Sheet
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $101.9M | $104.9M | $55.0M | $56.9M | $126.2M | $46.1M |
| Loans (Net) | $1.63B | $1.55B | $1.72B | $1.83B | $1.88B | $2.32B |
| Total Assets | $2.24B | $2.33B | $2.45B | $2.52B | $2.61B | $3.13B |
| Deposits | $1.82B | $1.93B | $2.00B | $2.01B | $2.09B | $2.56B |
| Total Long-Term Debt | $71.2M | $75.8M | $101.7M | $177.9M | $205.2M | $160.9M |
| Total Liabilities | $1.94B | $2.03B | $2.20B | $2.25B | $2.34B | $2.79B |
| Shareholders' Equity | $299.8M | $301.4M | $249.3M | $262.4M | $275.3M | $341.7M |
Citizens & Northern Cash Flow Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash From Operations | $24.8M | $34.8M | $34.6M | $33.5M | $33.0M | $32.0M |
| Cash From Investing | $96.6M | -$103.9M | -$234.7M | -$53.2M | -$20.9M | $196,000 |
| Cash From Financing | -$56.5M | $68.9M | $151.9M | $24.7M | $58.7M | -$111.1M |
| Free Cash Flow | $21.6M | $33.0M | $31.3M | $31.3M | $31.1M | $30.1M |
Figures from Citizens & Northern's 10-K and 10-Q filings with the SEC, as of 2026-10-14. Fiscal years follow the company's own reporting calendar. EPS and share counts are adjusted for later stock splits. See the full Citizens & Northern financials page for every line item.
Citizens & Northern Company Profile
| Ticker | CZNC |
|---|---|
| Exchange | Nasdaq |
| Industry | State Commercial Banks |
| Headquarters | Wellsboro, Pennsylvania |
| Incorporated in | Pennsylvania |
| Fiscal Year End | December 31 |
| SEC Filer Category | Accelerated filer |
| SEC CIK | 0000810958 |
Frequently Asked Questions
What was Citizens & Northern's revenue in fiscal 2025?
Citizens & Northern (CZNC) reported revenue of $122.7M for fiscal 2025.
What is Citizens & Northern's annual revenue history?
Citizens & Northern's annual revenue by fiscal year: 2020: $92.1M; 2021: $103.8M; 2022: $107.6M; 2023: $104.8M; 2024: $108.3M; 2025: $122.7M.
What was Citizens & Northern's net income in fiscal 2025?
Citizens & Northern reported net income of $23.4M for fiscal 2025.
How much free cash flow did Citizens & Northern generate in fiscal 2025?
Citizens & Northern generated $30.1M of free cash flow in fiscal 2025.
What was Citizens & Northern's revenue last quarter?
In its most recent reported quarter (2026 Q2), Citizens & Northern reported revenue of $39.4M.
How much debt does Citizens & Northern have?
Citizens & Northern reported $160.9M of long-term debt, including the current portion, at the end of fiscal 2025.
How many shares of Citizens & Northern are outstanding?
Citizens & Northern reported a weighted average of 17.8 million basic shares outstanding in 2026 Q2.
What is Citizens & Northern's market cap?
Based on its latest closing price, Citizens & Northern (CZNC) has a market capitalization of about $447.7M.
When does Citizens & Northern's fiscal year end?
Citizens & Northern's fiscal year end, as registered with the SEC, is December 31.
Where is Citizens & Northern headquartered?
Citizens & Northern lists its business address in Wellsboro, Pennsylvania in its SEC filings.