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CITIZENS & NORTHERN CORP CZNC
Nasdaq · XNAS · stock · State Commercial Banks · website · IPO 1993-10-27
CITIZENS & NORTHERN CORP financials (annual, from 10-K)
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Interest expense | — | — | $33.1M | $9.5M | $6.6M |
| Income tax | $5.2M | $5.9M | $6.3M | $5.7M | $7.1M |
| Net income | $23.4M | $26.0M | $24.1M | $26.6M | $30.6M |
| EPS (diluted) | — | $1.69 | $1.57 | $1.71 | $1.92 |
| Operating cash flow | $32.0M | $33.0M | $33.5M | $34.6M | $34.8M |
| Free cash flow | $30.1M | $31.1M | $31.3M | $31.3M | $33.0M |
| Cash & equivalents | $46.1M | $126.2M | $56.9M | $55.0M | $104.9M |
| Total assets | $3.1B | $2.6B | $2.5B | $2.5B | $2.3B |
| Total liabilities | $2.8B | $2.3B | $2.3B | $2.2B | $2.0B |
| Shareholders' equity | $341.7M | $275.3M | $262.4M | $249.3M | $301.4M |
Source: SEC EDGAR filings · CIK 0000810958 · as of 2025-12-31. Facts from filings plus Stocktoria's own computed scores — not investment advice.