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Financials · CZNC

Citizens & Northern Corp (CZNC) financials

For the twelve months ended Sep 30, 2026, Citizens & Northern Corp reported $152.50M of revenue and $35.08M of net income.

Revenue, TTM
$152.50M
Revenue growth, YoY
+33.9%
Net income, TTM
$35.08M
Net income growth, YoY
+29.3%
Net margin
23.0%
Free cash flow, TTM
$51.89M
Cash
$99.99M
P/E
14.54
P/S
3.34
Market cap
$510.1M
Annual revenue$122.70M
FY2016FY2025
Annual net income$23.43M
FY2016FY2025
Annual free cash flow$30.10M
FY2016FY2025

CZNC revenue and earnings growth

CZNC revenueQ3 2026$39.56M

Quarter YoY
+33.8%
QoQ
+0.4%
FY YoY
+13.3%
5Y CAGR
+5.9%
10Y CAGR
+7.7%

CZNC revenue was $39.56M in fiscal Q3 2026 (ended Sep 30, 2026), up 33.8% from a year earlier and up 0.4% from the prior quarter. For the full fiscal 2025 it was $122.70M, up 13.3% from fiscal 2024. Compound annual growth was +5.9% over 5 years and +7.7% over 10 years. It rose in 8 of the last 10 fiscal years. Fiscal 2025 is the highest of the 15 fiscal years on file.

CZNC net incomeQ3 2026$16.29M

Quarter YoY
+148.6%
QoQ
+15.8%
FY YoY
-9.8%
5Y CAGR
+4.0%
10Y CAGR
+3.6%

CZNC net income was $16.29M in fiscal Q3 2026 (ended Sep 30, 2026), up 148.6% from a year earlier and up 15.8% from the prior quarter. For the full fiscal 2025 it was $23.43M, down 9.8% from fiscal 2024. Compound annual growth was +4.0% over 5 years and +3.6% over 10 years. It rose in 3 of the last 10 fiscal years.

CZNC EPSQ1 2026$0.02

Quarter YoY
-95.1%
FY YoY
+7.6%
5Y CAGR
+3.0%
10Y CAGR
+2.0%

CZNC diluted EPS was $0.02 in fiscal Q1 2026 (ended Mar 31, 2026), down 95.1% from a year earlier. For the full fiscal 2024 it was $1.69, up 7.6% from fiscal 2023. Compound annual growth was +3.0% over 5 years and +2.0% over 10 years.

CZNC free cash flowQ3 2026$18.02M

Quarter YoY
+65.3%
QoQ
+18.0%
FY YoY
-3.3%
5Y CAGR
+6.8%
10Y CAGR
+4.9%

CZNC free cash flow was $18.02M in fiscal Q3 2026 (ended Sep 30, 2026), up 65.3% from a year earlier and up 18.0% from the prior quarter. For the full fiscal 2025 it was $30.10M, down 3.3% from fiscal 2024. Compound annual growth was +6.8% over 5 years and +4.9% over 10 years. It rose in 4 of the last 10 fiscal years.

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Income statement

Income statement
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue$122.70M$108.32M$104.82M$107.56M$103.82M$92.08M$73.80M$66.33M$58.36M$57.07M
Interest expense--$33.10M$9.52M$6.56M$9.60M$10.28M$4.63M$3.92M$3.69M
Pre-tax income$28.64M$31.87M$30.48M$32.35M$37.69M$23.21M$23.41M$26.26M$20.59M$21.11M
Income tax$5.22M$5.91M$6.33M$5.73M$7.13M$3.99M$3.90M$4.25M$7.16M$5.35M
Net income$23.43M$25.96M$24.15M$26.62M$30.55M$19.22M$19.50M$22.01M$13.43M$15.76M
EPS, basic$1.46$1.69$1.57$1.71$1.92$1.30$1.46$1.79$1.10$1.30
EPS, diluted-$1.69$1.57$1.71$1.92$1.30$1.46$1.79$1.10$1.30
Diluted shares-15.3M15.2M15.5M15.8M14.7M13.3M12.3M12.2M12.1M

Balance sheet

Balance sheet
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Cash and equivalents$46.06M$123.57M$52.78M$47.70M$95.85M$101.86M$35.20M$37.49M$40.24M$28.62M
Goodwill$63.31M$52.51M$52.51M$52.51M$52.51M$52.51M$28.39M$11.94M$11.94M$11.94M
Total assets$3.13B$2.61B$2.52B$2.45B$2.33B$2.24B$1.65B$1.29B$1.28B$1.24B
Short-term debt$28.62M$2.49M$33.87M$80.06M$1.80M$20.02M$86.22M$12.85M$61.77M$26.18M
Total debt-------$35.91M$9.19M$38.45M
Total liabilities$2.79B$2.34B$2.25B$2.20B$2.03B$1.94B$1.41B$1.09B$1.09B$1.06B
Shareholders' equity$341.71M$275.28M$262.38M$249.32M$301.40M$299.76M$244.45M$197.37M$188.44M$186.01M

Cash flow

Cash flow
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Operating cash flow$32.00M$33.03M$33.55M$34.60M$34.84M$24.78M$22.46M$25.89M$19.37M$18.51M
Capital expenditures$1.91M$1.91M$2.27M$3.29M$1.86M$3.14M$2.87M$1.17M$1.70M$1.58M
Free cash flow$30.10M$31.13M$31.28M$31.31M$32.98M$21.65M$19.59M$24.73M$17.68M$16.93M
Investing cash flow$196.0K-$20.94M-$53.20M-$234.69M-$103.89M$96.58M$22.67M-$21.65M-$30.91M-$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
Dividends paid$16.29M$15.53M$15.57M$15.87M$15.98M$14.47M$14.04M$11.75M$11.14M$11.11M
Share repurchases-----$163.0K$189.0K$0$0$3.72M
Depreciation and amortization$2.36M$2.18M$2.15M$2.39M$2.13M$1.98M$1.75M$1.75M$1.64M-

Key ratios

Key ratios
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue growth, YoY13.3%3.3%-2.6%3.6%12.8%24.8%11.2%13.7%2.2%-2.0%
Net income growth, YoY-9.8%7.5%-9.3%-12.9%59.0%-1.4%-11.4%63.9%-14.8%-4.3%
EPS growth, YoY-7.6%-8.2%-10.9%47.7%-11.0%-18.4%62.7%-15.4%-3.7%
Net margin19.1%24.0%23.0%24.7%29.4%20.9%26.4%33.2%23.0%27.6%
Free cash flow margin24.5%28.7%29.8%29.1%31.8%23.5%26.5%37.3%30.3%29.7%
Return on equity6.9%9.4%9.2%10.7%10.1%6.4%8.0%11.2%7.1%8.5%
Return on assets0.7%1.0%1.0%1.1%1.3%0.9%1.2%1.7%1.1%1.3%
Debt to equity-------0.180.050.21

Source: XBRL data Citizens & Northern Corp files with the SEC, latest filing dated Nov 6, 2026 (see filings on SEC EDGAR). Provided for information only, not investment advice. Check the filing before relying on a number.

* Worked out from the filings rather than stated in them: Q4 is the full year less the first nine months.

Per-share figures are as filed. The filings show no stock split in these periods.

EPS growth is left out where the share count moved enough to suggest a split the filings do not show. Growth rates need a positive starting figure. CAGR is compound annual growth between fiscal years. The CSV holds every period on file, in full figures, from the same SEC filings.

CZNC peers

CompanyRevenueGrowthNet incomeNet marginMarket cap
CZNC$152.50M+33.9%$35.08M23.0%$510.1M
JPM$203.15B+13.2%$65.98B32.5%$908.43B
BAC$120.16B+5.4%$32.24B26.8%$348.81B
WFC$87.23B+5.4%$22.97B26.3%$256.63B
C$85.22B+5.6%$14.31B16.8%$201.89B
UBS$49.57B+2.0%$7.80B15.7%$151.93B
MFG¥8.79T+7.6%¥1.16T13.2%$122.19B
COF$63.01B+31.2%$10.87B17.2%$119.45B
BNSC$37.74B+12.1%C$7.79B20.6%$114.51B

CZNC FAQ

7 questions
  • What is CZNC revenue?
    Citizens & Northern Corp (CZNC) reported $152.50M of revenue for the twelve months ended Sep 30, 2026. That is up 33.9% from the year before. Revenue for fiscal 2025 was $122.70M.
  • Is CZNC profitable?
    Yes. Citizens & Northern Corp earned $35.08M in net income for the twelve months ended Sep 30, 2026, a net margin of 23.0%.
  • How much cash and debt does CZNC have?
    Citizens & Northern Corp reported $99.99M in cash and cash equivalents on its most recent balance sheet in SEC filings.
  • How fast is CZNC revenue growing?
    Citizens & Northern Corp's revenue changed +13.3% in fiscal 2025, to $122.70M. Its compound annual growth rate was +5.9% over 5 years and +7.7% over 10 years.
  • What is CZNC free cash flow?
    Citizens & Northern Corp generated $51.89M of free cash flow for the twelve months ended Sep 30, 2026, which is operating cash flow of $53.78M less capital expenditures.
  • When did CZNC last report financial results?
    The latest statements here come from Citizens & Northern Corp's 10-Q filed on Nov 6, 2026, covering the period ended Sep 30, 2026.
  • Where does this CZNC financial data come from?
    Quantisnow builds these statements from the structured XBRL data Citizens & Northern Corp files with the SEC. It is provided for information only and is not investment advice.