CZNC · Citizens & Northern Corp · Financials
Income-statement, balance-sheet and cash-flow figures from SEC filings, plus a debt profile anchored in the latest 10-K and updated by each 10-Q and debt exhibit.
Chart any reported metric, KPI or segment over time — the full statement history lives here
| Line Item | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 | FY2015 | FY2014 | FY2013 | FY2012 | FY2011 | FY2010 | FY2009 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| $157.21M | $139.22M | $128.08M | $113.5M | $92.65M | $84.5M | $77.16M | $64.77M | $50.33M | $45.86M | $44.1M | $44.52M | $46.01M | $48.91M | $56.63M | $61.26M | $62.11M | $67.98M | |
| $108.81M | $91.85M | $79.12M | $80.4M | $83.13M | $77.94M | $67.57M | $54.49M | $45.7M | $41.95M | $40.41M | $39.92M | $40.89M | $43.15M | $47.6M | $47.7M | $42.87M | $43.52M | |
| $33.7M | $30.85M | $29.21M | $24.42M | $24.43M | $25.88M | $24.51M | $19.31M | $20.63M | $16.41M | $16.67M | $18.34M | $16.52M | $18.17M | $19.07M | $16.11M | $14.67M | -$70.82M | |
| $2.61M | $1.2M | $389K | $408K | $439K | $535K | $540K | $223K | $3000 | $5000 | $13K | $22K | $35K | $51K | $74K | $114K | $176K | $324K | |
| $2.62M | $2.36M | $2.18M | $2.15M | $2.39M | $2.13M | $1.98M | $1.75M | $1.75M | $1.64M | — | — | — | — | — | — | — | — | |
| $48.4M | $47.36M | $48.96M | $33.1M | $9.52M | $6.56M | $9.6M | $10.28M | $4.63M | $3.92M | $3.69M | $4.6M | $5.12M | $5.77M | $9.03M | $13.56M | $19.25M | $24.46M | |
| $31.17M | $28.64M | $31.87M | $30.48M | $32.35M | $37.69M | $23.21M | $23.41M | $26.26M | $20.59M | $21.11M | $21.81M | $22.78M | $24.78M | $31.13M | $32.08M | $24.86M | -$61.99M | |
| $5.82M | $5.22M | $5.91M | $6.34M | $5.73M | $7.13M | $3.99M | $3.91M | $4.25M | $7.16M | $5.35M | $5.34M | $5.69M | $6.18M | $8.43M | $8.71M | — | — | |
| $25.35M | $23.43M | $25.96M | $24.15M | $26.62M | $30.55M | $19.22M | $19.5M | $22.01M | $13.43M | $15.76M | $16.47M | $17.09M | $18.59M | $22.71M | $23.37M | $19.06M | -$39.34M | |
| $25.27M | $23.25M | $25.75M | $23.96M | $26.38M | $30.31M | $19.11M | $19.4M | $21.9M | $13.37M | $15.68M | $16.39M | — | — | $22.71M | $23.37M | $17.58M | -$40.76M | |
| $32.06M | $37.39M | $27.63M | $35.59M | -$28.29M | $23.79M | $27.33M | $27.37M | $19.63M | $12.83M | $12.34M | $13.64M | $23.44M | $6.6M | $23.55M | $35.13M | $18.35M | — | |
| USD/shares | $1.46 | $1.46 | $1.69 | $1.57 | $1.71 | $1.92 | $1.30 | $1.46 | $1.79 | $1.10 | $1.30 | $1.35 | $1.38 | $1.51 | $1.86 | $1.92 | $1.45 | — |
| USD/shares | — | — | $1.69 | $1.57 | $1.71 | $1.92 | $1.30 | $1.46 | $1.79 | $1.10 | $1.30 | $1.35 | $1.38 | $1.50 | $1.85 | $1.92 | $1.45 | — |
| shares | — | 15.95M | 15.26M | 15.24M | 15.46M | 15.77M | 14.74M | 13.3M | 12.22M | 12.12M | 12.03M | 12.15M | 12.39M | 12.35M | 12.24M | 12.16M | 12.13M | — |
| shares | — | — | 15.26M | 15.24M | 15.46M | 15.77M | 14.75M | 13.32M | 12.26M | 12.16M | 12.06M | 12.17M | 12.41M | 12.38M | 12.26M | 12.17M | 12.13M | — |
Capital Returned to Shareholders
Cash spent on share repurchases and dividends per fiscal year, as reported on the cash-flow statement. Across FY2009–FY2025: $13.51M in buybacks, $202.2M in dividends.
Debt Profile
Annual debt figures are established from 10-K filings and updated by subsequent 10-Q and 8-K disclosures. Instrument balances are not summed into a company total unless the filing itself reports that total.
Price & Valuation
Multiples computed on the strict TTM/EV methodology — today's snapshot against peers, and each ratio recomputed as of past filing dates.
Valuation
Peer medians compare against the 249 similar-size Banks - Regional companies (of 305 listed).
Valuation over time computed as of each quarter's filing date
Revenue Breakdown
Annual revenue as the company disaggregates it in its own XBRL filings. Years a component wasn't reported show a dash.
Share mode is each component's slice of the reported components that year — issuers rarely tag every revenue dollar, so slices need not sum to total revenue.
By Product & Service (USD)
| Component | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 |
|---|---|---|---|---|---|---|---|
| Deposit Account | $5,976,000 | $5,867,000 | $5,567,000 | $5,019,000 | $4,633,000 | $4,231,000 | $5,358,000 |
| Debit Card | $4,623,000 | $4,276,000 | $4,160,000 | $4,148,000 | $3,855,000 | $3,094,000 | $2,754,000 |
| Bank Servicing | $643,000 | $649,000 | $602,000 | $960,000 | $694,000 | -$61,000 | $100,000 |
| Service Charges and Fees | — | — | — | — | — | $304,000 | $332,000 |
| Trust and Asset Management | — | — | — | — | $7,234,000 | $6,321,000 | $6,106,000 |