Saturday 17 October 2026 Export CZNC’s income statement to Excel — free account

Citizens & Northern Corp

Citizens & Northern Corp’s revenue for fiscal 2025 (year ended December 2025) was $170.1 million, up 8.13% from fiscal 2024. In the quarter to June 2026, revenue grew 26.5%, EPS grew 97.5%, free cash flow grew 90.3% and total debt fell 15.4%, each against the same quarter a year earlier. Dividend growth for five consecutive years, revenue growth for five; insiders bought in the last twelve months.

25.50 0.14 +0.55%

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Market cap: $454.8M
P/E: 17.3×
Fwd P/E: 10.8×
Dividend yield: 4.39%
F-score: 5/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

	Older periods	Sep '25	Dec '25	Mar '26	Jun '26
P/E ratio Full definition →	+8 more quarters Free account	11.26	13.63	20.58	15.80
P/S ratio Full definition →		1.89	1.89	2.20	2.17
P/FCF ratio Full definition →		9.62	10.69	10.56	9.25
P/Operating CF Full definition →		26.93	30.41	45.78	26.86
P/B ratio Full definition →		1.04	0.94	1.18	1.20
Price to Tangible BV Full definition →		1.27	1.21	1.52	1.52
EV/Sales Full definition →		2.20	2.57	2.89	2.55
EV/EBITDA Full definition →		0.00	0.00	0.00	0.00
EV/Operating CF Full definition →		10.59	13.64	13.33	10.59
EV/FCF Full definition →		11.19	14.50	13.88	10.88
Quick Ratio Full definition →		0.06	0.02	0.02	0.03
Current Ratio Full definition →		0.94	0.91	0.91	0.91
Net Debt/EBITDA Full definition →		0.00	0.00	0.00	0.00
Debt/Assets Full definition →		6.49%	5.14%	5.67%	4.93%
Debt/Equity Full definition →		0.59	0.47	0.53	0.45
Asset Turnover Full definition →		0.06	0.06	0.06	0.07
Operating CF/Net income Full definition →		1.74	2.38	31.70	1.10
Capex/Depreciation Full definition →		(0.47)	(0.46)	(0.18)	(0.11)
Research and Development Expense of Revenue Full definition →		0.00%	0.00%	0.00%	0.00%
Selling, General and Administrative Expense of Revenue Full definition →		52.62%	63.21%	74.44%	42.82%
Intangible Assets out of Total Assets Full definition →		0.02	0.02	0.02	0.02
Share Based Compensation of Revenue Full definition →		0.82%	0.59%	0.64%	0.66%
Graham Net Nets Full definition →		(1.03)	(1.27)	(1.04)	(0.96)
Graham Number Full definition →		27.50	26.71	21.50	25.43
Earnings Yield Full definition →		8.88%	7.34%	4.86%	6.33%
Free Cash Flow Yield Full definition →		10.39%	9.36%	9.47%	10.81%
Revenue per Share Full definition →		2.66	3.12	2.75	2.89
Operating CF per Share Full definition →		0.74	0.66	0.49	0.87
Capex per Share Full definition →		(0.03)	(0.03)	(0.01)	(0.01)
Free Cash Flow per Share Full definition →		0.71	0.63	0.48	0.86
Cash per Share Full definition →		7.99	2.89	3.09	4.64
Shareholders Equity per Share Full definition →		19.09	21.42	18.92	19.48
Interest Debt per Share Full definition →		0.00	0.00	0.00	0.00
Book value per Share Full definition →		19.09	21.42	18.92	19.48
Free Cash Flow Full definition →		10.90	10.13	8.47	15.27
Working Capital Full definition →		(142.93)	(248.93)	(231.60)	(240.71)
Capital Expenditures Full definition →		(0.43)	(0.45)	(0.19)	(0.15)
Net Current Asset Value Full definition →		(315.69)	(409.79)	(411.06)	(396.10)
EV/EBIT Full definition →		0.00	0.00	0.00	0.00
Capex to Sales Full definition →		0.01	0.01	0.00	0.00
Price to Operating Income Full definition →		9.14	11.23	18.62	13.29
Other line items
Average Payables Full definition →		2,150.81	2,329.31	2,351.10	2,356.76
Average Assets Full definition →		2,667.43	2,871.56	2,886.78	2,881.43
Average Common Equity Full definition →		285.63	308.50	308.70	316.25

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Columns are period end dates

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