Stocktoria

CITIZENS & NORTHERN CORP CZNC

Nasdaq · stock · State Commercial Banks · website · IPO 1993-10-27

CITIZENS & NORTHERN CORP financials (annual)

Revenue
2016201720182019202020212022202320242025
Net income
$15.8M $13.4M $22.0M $19.5M $19.2M $30.6M $26.6M $24.1M $26.0M $23.4M 2016201720182019202020212022202320242025
Free cash flow
$16.9M $17.7M $24.7M $19.6M $21.6M $33.0M $31.3M $31.3M $31.1M $30.1M 2016201720182019202020212022202320242025

Bars are annual figures from 2016 to 2025; red bars are negative (a loss or cash outflow).

MetricFY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Interest expense——$33.1M$9.5M$6.6M$9.6M$10.3M$4.6M$3.9M$3.7M
Income tax$5.2M$5.9M$6.3M$5.7M$7.1M$4.0M$3.9M$4.2M$7.2M$5.3M
Net income$23.4M$26.0M$24.1M$26.6M$30.6M$19.2M$19.5M$22.0M$13.4M$15.8M
EPS (diluted)—$1.69$1.57$1.71$1.92$1.30$1.46$1.79$1.10$1.30
Operating cash flow$32.0M$33.0M$33.5M$34.6M$34.8M$24.8M$22.5M$25.9M$19.4M$18.5M
Free cash flow$30.1M$31.1M$31.3M$31.3M$33.0M$21.6M$19.6M$24.7M$17.7M$16.9M
Cash & equivalents$46.1M$126.2M$56.9M$55.0M$104.9M$101.9M$35.2M$37.5M$40.2M$28.6M
Total assets$3.1B$2.6B$2.5B$2.5B$2.3B$2.2B$1.7B$1.3B$1.3B$1.2B
Total liabilities$2.8B$2.3B$2.3B$2.2B$2.0B$1.9B$1.4B$1.1B$1.1B$1.1B
Shareholders' equity$341.7M$275.3M$262.4M$249.3M$301.4M$299.8M$244.5M$197.4M$188.4M$186.0M

Growth · year-over-year

MetricFY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Net income growth-9.8%+7.5%-9.3%-12.9%+59.0%-1.4%-11.4%+63.9%-14.8%-4.3%
EPS growth—+7.6%-8.2%-10.9%+47.7%-11.0%-18.4%+62.7%-15.4%-3.7%
Free cash flow growth-3.3%-0.5%-0.1%-5.1%+52.4%+10.5%-20.8%+39.9%+4.4%-9.2%

Each column is the change versus the prior fiscal year. Growth off a negative or zero base is shown as “—”. CAGR is the compound annual revenue growth across the years shown.

Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.