Saturday 17 October 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. 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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| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Older periods | |
|---|---|---|---|---|---|
Piotroski F-Score |
6 | 6 | 5 | 7 |
+8 more TTM periods Free account |
| 7.99% | 5.60% | 7.53% | 9.42% | ||
| 0.88% | 0.60% | 0.81% | 1.01% | ||
ROIC |
4.65% | 2.89% | 3.92% | 6.07% | |
Return on Tangible Assets |
(11.81%) | (8.45%) | (10.51%) | (22.08%) | |
Average Days of Receivables |
0.00 | 0.00 | 0.00 | 0.00 | |
Free Cash Flow per Share |
2.52 | 2.12 | 1.89 | 2.06 | |
Free Cash Flow |
44.77 | 37.52 | 30.10 | 31.69 | |
Capital Expenditures |
(1.22) | (1.55) | (1.90) | (1.80) | |
| Other line items | |||||
Cash ROIC |
7.67% | 6.59% | 5.49% | 5.37% | |
Accounts Receivable Turnover |
0.00 | 0.00 | 0.00 | 0.00 | |
Accounts Payable Turnover |
0.02 | 0.02 | 0.02 | 0.02 | |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | |
Average Days of Payables |
19,635.60 | 19,868.93 | 19,764.41 | 16,716.22 | |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | |
Tax Rate |
(0.19) | (0.18) | (0.18) | (0.19) | |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | |
Selling, General and Administrative Expense of Revenue |
58.32% | 61.67% | 55.31% | 49.94% | |
Share Based Compensation of Revenue |
0.67% | 0.71% | 0.76% | 0.86% | |
Operating CF/Net income |
1.82 | 2.26 | 1.38 | 1.24 | |
Depreciation/Fixed assets |
0.16 | 0.14 | 0.13 | 0.17 | |
Capex/Depreciation |
(0.28) | (0.40) | (0.52) | (0.51) | |
Revenue per Share |
10.74 | 10.16 | 10.66 | 10.47 | |
Operating CF per Share |
2.59 | 2.20 | 2.01 | 2.18 | |
Capex per Share |
(0.07) | (0.09) | (0.12) | (0.12) | |
Capex to Sales |
0.01 | 0.01 | 0.01 | 0.01 |
Columns are period end dates