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

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

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Columns are period end dates

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