Saturday 7 November 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.

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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Market cap: $507.1M
P/E: 14.1×
Fwd P/E: 12.9×
Dividend yield: 4.08%
F-score: 5/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview

	Sep '26 From the 10-Q filed 6 Nov	Jun '26	Mar '26	Dec '25	Older periods
P/E ratio Full definition →	12.67	15.80	20.58	13.63	+8 more quarters Free account
P/S ratio Full definition →	2.21	2.17	2.20	1.89
P/FCF ratio Full definition →	8.58	9.25	10.56	10.69
P/Operating CF Full definition →	23.28	26.86	45.78	30.41
P/B ratio Full definition →	1.30	1.20	1.18	0.94
Price to Tangible BV Full definition →	1.64	1.52	1.52	1.21
EV/Sales Full definition →	—	2.55	2.89	2.57
EV/EBITDA Full definition →	—	0.00	0.00	0.00
EV/Operating CF Full definition →	—	10.59	13.33	13.64
EV/FCF Full definition →	—	10.88	13.88	14.50
Quick Ratio Full definition →	0.00	0.03	0.02	0.02
Current Ratio Full definition →	—	0.91	0.91	0.91
Net Debt/EBITDA Full definition →	0.00	0.00	0.00	0.00
Debt/Assets Full definition →	0.00%	4.93%	5.67%	5.14%
Debt/Equity Full definition →	0.00	0.45	0.53	0.47
Asset Turnover Full definition →	0.07	0.07	0.06	0.06
Operating CF/Net income Full definition →	1.17	1.10	31.70	2.38
Capex/Depreciation Full definition →	0.00	(0.11)	(0.18)	(0.46)
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 →	37.10%	42.82%	74.44%	63.21%
Intangible Assets out of Total Assets Full definition →	0.02	0.02	0.02	0.02
Share Based Compensation of Revenue Full definition →	0.55%	0.66%	0.64%	0.59%
Graham Net Nets Full definition →	(0.89)	(0.96)	(1.04)	(1.27)
Graham Number Full definition →	29.28	25.43	21.50	26.71
Earnings Yield Full definition →	7.90%	6.33%	4.86%	7.34%
Free Cash Flow Yield Full definition →	11.66%	10.81%	9.47%	9.36%
Revenue per Share Full definition →	2.90	2.89	2.75	3.12
Operating CF per Share Full definition →	1.07	0.87	0.49	0.66
Capex per Share Full definition →	(0.06)	(0.01)	(0.01)	(0.03)
Free Cash Flow per Share Full definition →	1.01	0.86	0.48	0.63
Cash per Share Full definition →	5.62	4.64	3.09	2.89
Shareholders Equity per Share Full definition →	19.29	19.48	18.92	21.42
Interest Debt per Share Full definition →	0.00	0.00	0.00	0.00
Book value per Share Full definition →	19.29	19.48	18.92	21.42
Free Cash Flow Full definition →	18.02	15.27	8.47	10.13
Working Capital Full definition →	—	(240.71)	(231.60)	(248.93)
Capital Expenditures Full definition →	(1.10)	(0.15)	(0.19)	(0.45)
Net Current Asset Value Full definition →	(2,806.88)	(396.10)	(411.06)	(409.79)
EV/EBIT Full definition →	—	0.00	0.00	0.00
Capex to Sales Full definition →	0.02	0.00	0.00	0.01
Price to Operating Income Full definition →	10.22	13.29	18.62	11.23
Other line items
Average Payables Full definition →	2,387.12	2,356.76	2,351.10	2,329.31
Average Assets Full definition →	2,907.12	2,881.43	2,886.78	2,871.56
Average Common Equity Full definition →	318.64	316.25	308.70	308.50

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Columns are period end dates · fundamentals updated 6 Nov 2026

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