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Saturday 7 November 2026
Export CZNC’s income statement to Excel — free account
Citizens & Northern Corp
CZNC Financial Banks Regional
Citizens & Northern Corp’s revenue for fiscal 2025 (year ended December 2025) was $170.1 million, up 8.13% from fiscal 2024.
- Revenue
- +26.1%
- EPS
- +119.1%
- Free cash flow
- +65.3%
- Total debt
- −15.4%
Quarter to September 2026, against a year earlier
27.92
0.33
−1.17%
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| Older periods | Dec '25 | Mar '26 | Jun '26 | Sep '26 From the 10-Q filed 6 Nov | |
|---|---|---|---|---|---|
P/E ratio |
+8 more quarters Free account |
13.63 | 20.58 | 15.80 | 12.67 |
P/S ratio |
1.89 | 2.20 | 2.17 | 2.21 | |
P/FCF ratio |
10.69 | 10.56 | 9.25 | 8.58 | |
P/Operating CF |
30.41 | 45.78 | 26.86 | 23.28 | |
P/B ratio |
0.94 | 1.18 | 1.20 | 1.30 | |
Price to Tangible BV |
1.21 | 1.52 | 1.52 | 1.64 | |
EV/Sales |
2.57 | 2.89 | 2.55 | — | |
EV/EBITDA |
0.00 | 0.00 | 0.00 | — | |
EV/Operating CF |
13.64 | 13.33 | 10.59 | — | |
EV/FCF |
14.50 | 13.88 | 10.88 | — | |
Quick Ratio |
0.02 | 0.02 | 0.03 | 0.00 | |
Current Ratio |
0.91 | 0.91 | 0.91 | — | |
Net Debt/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | |
Debt/Assets |
5.14% | 5.67% | 4.93% | 0.00% | |
Debt/Equity |
0.47 | 0.53 | 0.45 | 0.00 | |
Asset Turnover |
0.06 | 0.06 | 0.07 | 0.07 | |
Operating CF/Net income |
2.38 | 31.70 | 1.10 | 1.17 | |
Capex/Depreciation |
(0.46) | (0.18) | (0.11) | 0.00 | |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | |
Selling, General and Administrative Expense of Revenue |
63.21% | 74.44% | 42.82% | 37.10% | |
Intangible Assets out of Total Assets |
0.02 | 0.02 | 0.02 | 0.02 | |
Share Based Compensation of Revenue |
0.59% | 0.64% | 0.66% | 0.55% | |
Graham Net Nets |
(1.27) | (1.04) | (0.96) | (0.89) | |
Graham Number |
26.71 | 21.50 | 25.43 | 29.28 | |
Earnings Yield |
7.34% | 4.86% | 6.33% | 7.90% | |
Free Cash Flow Yield |
9.36% | 9.47% | 10.81% | 11.66% | |
Revenue per Share |
3.12 | 2.75 | 2.89 | 2.90 | |
Operating CF per Share |
0.66 | 0.49 | 0.87 | 1.07 | |
Capex per Share |
(0.03) | (0.01) | (0.01) | (0.06) | |
Free Cash Flow per Share |
0.63 | 0.48 | 0.86 | 1.01 | |
Cash per Share |
2.89 | 3.09 | 4.64 | 5.62 | |
Shareholders Equity per Share |
21.42 | 18.92 | 19.48 | 19.29 | |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | |
Book value per Share |
21.42 | 18.92 | 19.48 | 19.29 | |
Free Cash Flow |
10.13 | 8.47 | 15.27 | 18.02 | |
Working Capital |
(248.93) | (231.60) | (240.71) | — | |
Capital Expenditures |
(0.45) | (0.19) | (0.15) | (1.10) | |
Net Current Asset Value |
(409.79) | (411.06) | (396.10) | (2,806.88) | |
EV/EBIT |
0.00 | 0.00 | 0.00 | — | |
Capex to Sales |
0.01 | 0.00 | 0.00 | 0.02 | |
Price to Operating Income |
11.23 | 18.62 | 13.29 | 10.22 | |
| Other line items | |||||
Average Payables |
2,329.31 | 2,351.10 | 2,356.76 | 2,387.12 | |
Average Assets |
2,871.56 | 2,886.78 | 2,881.43 | 2,907.12 | |
Average Common Equity |
308.50 | 308.70 | 316.25 | 318.64 |
Columns are period end dates · fundamentals updated 6 Nov 2026