stock
Citizens & Northern Corp
NASDAQ | CZNC
19.14
USD
$0.00
(0.00%
)At Close (As of Nov 3, 2025)
$344.70M
Market Cap
11.06
P/E Ratio
1.75
EPS
$21.41
52 Week High
$16.85
52 Week Low
FINANCIAL SERVICES
Sector
CZNC Chart
Recent Chart
Price Action
CZNC Technicals
CZNC Earnings
Yearly Income Statement (As of Dec 31, 2024)
| Field | Value (USD) |
|---|---|
| Gross Profit | $104M |
| Total Revenue | $155M |
| Cost Of Revenue | $51M |
| Costof Goods And Services Sold | $51M |
| Operating Income | $32M |
| Selling General And Administrative | $45M |
| Research And Development | - |
| Operating Expenses | $72M |
| Investment Income Net | - |
| Net Interest Income | $79M |
| Interest Income | $128M |
| Interest Expense | $49M |
| Non Interest Income | - |
| Other Non Operating Income | - |
| Depreciation | - |
| Depreciation And Amortization | $2.2M |
| Income Before Tax | $32M |
| Income Tax Expense | $5.9M |
| Interest And Debt Expense | - |
| Net Income From Continuing Operations | $26M |
| Comprehensive Income Net Of Tax | - |
| Ebit | $32M |
| Ebitda | $34M |
| Net Income | $26M |
Revenue & Profitability
Earnings Performance
CZNC Financials
yearly Balance Sheet (As of Dec 31, 2024)
| Field | Value (USD) |
|---|---|
| Total Assets | $2.6B |
| Total Current Assets | $357M |
| Cash And Cash Equivalents At Carrying Value | $126M |
| Cash And Short Term Investments | $126M |
| Inventory | - |
| Current Net Receivables | $8.7M |
| Total Non Current Assets | $2.3B |
| Property Plant Equipment | - |
| Accumulated Depreciation Amortization Ppe | - |
| Intangible Assets | $2.1M |
| Intangible Assets Excluding Goodwill | $2.1M |
| Goodwill | $53M |
| Investments | - |
| Long Term Investments | $402M |
| Short Term Investments | $222M |
| Other Current Assets | - |
| Other Non Current Assets | - |
| Total Liabilities | $2.3B |
| Total Current Liabilities | $2.1B |
| Current Accounts Payable | - |
| Deferred Revenue | - |
| Current Debt | - |
| Short Term Debt | $2.5M |
| Total Non Current Liabilities | $239M |
| Capital Lease Obligations | - |
| Long Term Debt | $205M |
| Current Long Term Debt | $0 |
| Long Term Debt Noncurrent | - |
| Short Long Term Debt Total | $208M |
| Other Current Liabilities | $2.1B |
| Other Non Current Liabilities | - |
| Total Shareholder Equity | $275M |
| Treasury Stock | - |
| Retained Earnings | $166M |
| Common Stock | $16M |
| Common Stock Shares Outstanding | $15M |
yearly Cash Flow (As of Dec 31, 2024)
| Field | Value (USD) |
|---|---|
| Operating Cashflow | $33M |
| Payments For Operating Activities | - |
| Proceeds From Operating Activities | - |
| Change In Operating Liabilities | - |
| Change In Operating Assets | - |
| Depreciation Depletion And Amortization | $2.2M |
| Capital Expenditures | $1.9M |
| Change In Receivables | - |
| Change In Inventory | - |
| Profit Loss | - |
| Cashflow From Investment | -$21M |
| Cashflow From Financing | $59M |
| Proceeds From Repayments Of Short Term Debt | - |
| Payments For Repurchase Of Common Stock | - |
| Payments For Repurchase Of Equity | - |
| Payments For Repurchase Of Preferred Stock | - |
| Dividend Payout | $16M |
| Dividend Payout Common Stock | $16M |
| Dividend Payout Preferred Stock | - |
| Proceeds From Issuance Of Common Stock | - |
| Proceeds From Issuance Of Long Term Debt And Capital Securities Net | - |
| Proceeds From Issuance Of Preferred Stock | - |
| Proceeds From Repurchase Of Equity | -$629K |
| Proceeds From Sale Of Treasury Stock | - |
| Change In Cash And Cash Equivalents | - |
| Change In Exchange Rate | - |
| Net Income | $26M |
yearly Income Statement (As of Dec 31, 2024)
| Field | Value (USD) |
|---|---|
| Gross Profit | $104M |
| Total Revenue | $155M |
| Cost Of Revenue | $51M |
| Costof Goods And Services Sold | $51M |
| Operating Income | $32M |
| Selling General And Administrative | $45M |
| Research And Development | - |
| Operating Expenses | $72M |
| Investment Income Net | - |
| Net Interest Income | $79M |
| Interest Income | $128M |
| Interest Expense | $49M |
| Non Interest Income | - |
| Other Non Operating Income | - |
| Depreciation | - |
| Depreciation And Amortization | $2.2M |
| Income Before Tax | $32M |
| Income Tax Expense | $5.9M |
| Interest And Debt Expense | - |
| Net Income From Continuing Operations | $26M |
| Comprehensive Income Net Of Tax | - |
| Ebit | $32M |
| Ebitda | $34M |
| Net Income | $26M |
Dividends
| Field | Value |
|---|---|
| Ex Dividend Date | 2025-11-03 |
| Declaration Date | 2025-10-23 |
| Record Date | 2025-11-03 |
| Payment Date | 2025-11-14 |
| Amount | 0.28 |
CZNC News
CZNC Profile
Citizens & Northern Corp Profile
Sector: FINANCIAL SERVICES
Industry: BANKS - REGIONAL
Citizens & Northern Corporation (CZNC), headquartered in Wellsboro, Pennsylvania, serves as the parent company for Citizens & Northern Bank, providing a broad spectrum of banking and mortgage services to individuals and businesses in northern central Pennsylvania and southern New York. The company is committed to strengthening community ties and driving economic development through tailored financial solutions and exceptional customer service. By strategically expanding its service offerings and maintaining a strong regional presence, Citizens & Northern aims to solidify its reputation as a reliable financial partner dedicated to fostering long-term relationships within its markets.
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