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Stocks · Financials · State Commercial Banks

CITIZENS & NORTHERN CORP

CZNC Clue Score58
United States Fiscal year ends December CIK 0000810958
$24.94 -1.31% Close, 9 Oct 2026
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Price $24.94 −3.03% Close, 9 Oct 2026

Closing prices at the end of each trading day, from 12 Oct 2016. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back. P/E and P/FCF are the market value over the last full fiscal year's net income or free cash flow, as public on each day, so they step once a year when the annual report comes out. A hatched band marks a stretch with none: a year of net loss, or of cash burnt.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
Net income
Fiscal year 2016Net income15.8EPS, diluted1.30Fiscal year 2017Net income13.4 −14.8%EPS, diluted1.10 −15.4%Fiscal year 2018Net income22.0 +63.9%EPS, diluted1.79 +62.7%Fiscal year 2019Net income19.5 −11.4%EPS, diluted1.46 −18.4%Fiscal year 2020Net income19.2 −1.4%EPS, diluted1.30 −11.0%Fiscal year 2021Net income30.6 +59.0%EPS, diluted1.92 +47.7%Fiscal year 2022Net income26.6 −12.9%EPS, diluted1.71 −10.9%Fiscal year 2023Net income24.1 −9.3%EPS, diluted1.57 −8.2%Fiscal year 2024Net income26.0 +7.5%EPS, diluted1.69 +7.6%Fiscal year 2025Net income23.4 −9.8%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Net income 15.8 13.4 22.0 19.5 19.2 30.6 26.6 24.1 26.0 23.4
Growth −14.8% +63.9% −11.4% −1.4% +59.0% −12.9% −9.3% +7.5% −9.8%
EPS, diluted 1.30 1.10 1.79 1.46 1.30 1.92 1.71 1.57 1.69 n/a
Growth −15.4% +62.7% −18.4% −11.0% +47.7% −10.9% −8.2% +7.6%

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flowCapital expenditureFree cash flow
Fiscal year 2016Operating cash flow18.5Capital expenditure−1.6Free cash flow16.9Buybacks−3.7Dividends paid−11.1Fiscal year 2017Operating cash flow19.4Capital expenditure−1.7Free cash flow17.7 +4.4%Buybacks0.0Dividends paid−11.1Fiscal year 2018Operating cash flow25.9Capital expenditure−1.2Free cash flow24.7 +39.9%Buybacks0.0Dividends paid−11.7Fiscal year 2019Operating cash flow22.5Capital expenditure−2.9Free cash flow19.6 −20.8%Buybacks−0.2Dividends paid−14.0Fiscal year 2020Operating cash flow24.8Capital expenditure−3.1Free cash flow21.6 +10.5%Buybacks−0.2Dividends paid−14.5Fiscal year 2021Operating cash flow34.8Capital expenditure−1.9Free cash flow33.0 +52.4%Dividends paid−16.0Fiscal year 2022Operating cash flow34.6Capital expenditure−3.3Free cash flow31.3 −5.1%Dividends paid−15.9Fiscal year 2023Operating cash flow33.5Capital expenditure−2.3Free cash flow31.3 −0.1%Dividends paid−15.6Fiscal year 2024Operating cash flow33.0Capital expenditure−1.9Free cash flow31.1 −0.5%Dividends paid−15.5Fiscal year 2025Operating cash flow32.0Capital expenditure−1.9Free cash flow30.1 −3.3%Dividends paid−16.3
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow 18.5 19.4 25.9 22.5 24.8 34.8 34.6 33.5 33.0 32.0
Capital expenditure −1.6 −1.7 −1.2 −2.9 −3.1 −1.9 −3.3 −2.3 −1.9 −1.9
Free cash flow 16.9 17.7 24.7 19.6 21.6 33.0 31.3 31.3 31.1 30.1
Growth +4.4% +39.9% −20.8% +10.5% +52.4% −5.1% −0.1% −0.5% −3.3%
Buybacks −3.7 0.0 0.0 −0.2 −0.2 n/a n/a n/a n/a n/a
Dividends paid −11.1 −11.1 −11.7 −14.0 −14.5 −16.0 −15.9 −15.6 −15.5 −16.3

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
CashTotal debt
Fiscal year 2016Cash28.6Total debt38.5Net cash (debt)−9.8Shareholders’ equity186.0Debt to equity0.21Fiscal year 2017Cash40.2Total debt9.2Net cash (debt)31.1Shareholders’ equity188.4Debt to equity0.05Fiscal year 2018Cash37.5Total debt35.9Net cash (debt)1.6Shareholders’ equity197.4Debt to equity0.18Fiscal year 2019Cash35.2Shareholders’ equity244.5Fiscal year 2020Cash101.9Shareholders’ equity299.8Fiscal year 2021Cash104.9Shareholders’ equity301.4Fiscal year 2022Cash55.0Shareholders’ equity249.3Fiscal year 2023Cash56.9Shareholders’ equity262.4Fiscal year 2024Cash126.2Shareholders’ equity275.3Fiscal year 2025Cash46.1Shareholders’ equity341.7
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Cash 28.6 40.2 37.5 35.2 101.9 104.9 55.0 56.9 126.2 46.1
Total debt 38.5 9.2 35.9 n/a n/a n/a n/a n/a n/a n/a
Net cash (debt) −9.8 31.1 1.6 n/a n/a n/a n/a n/a n/a n/a
Shareholders’ equity 186.0 188.4 197.4 244.5 299.8 301.4 249.3 262.4 275.3 341.7
Debt to equity 0.21 0.05 0.18 n/a n/a n/a n/a n/a n/a n/a

In millions of USD, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2025 · 10-K

Ratios

Percentages worked out from the filed figures; debt to equity in times. Fiscal years ending December, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2016 31 Dec 2016 FY2017 31 Dec 2017 FY2018 31 Dec 2018 FY2019 31 Dec 2019 FY2020 31 Dec 2020 FY2021 31 Dec 2021 FY2022 31 Dec 2022 FY2023 31 Dec 2023 FY2024 31 Dec 2024 FY2025 31 Dec 2025
Spending
25.3% 34.8% 16.2% 16.7% 17.2% 18.9% 17.7% 20.8% 18.6% 18.2%
Returns
8.5% 7.1% 11.2% 8.0% 6.4% 10.1% 10.7% 9.2% 9.4% 6.9%
1.3% 1.1% 1.7% 1.2% 0.9% 1.3% 1.1% 1.0% 1.0% 0.7%
Balance and payout
0.21 0.05 0.18 n/a n/a n/a n/a n/a n/a n/a
85.0% 85.2% 84.7% 85.2% 86.6% 87.1% 89.8% 89.6% 89.5% 89.1%
70.5% 83.0% 53.4% 72.0% 75.3% 52.3% 59.6% 64.5% 59.8% 69.5%
87.6% 63.0% 47.5% 72.6% 67.6% 48.4% 50.7% 49.8% 49.9% 54.1%