Citizens & Northern Corp

Financial Services · Banks - Regional

25.50$ +1.0% vs. previous close Closing price · As of: Sep 24, 2026

Statements

Income Statement

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Amounts Change % Common size % Per share

Last 12 Full history

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All figures per share in USD.

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Income Statement CZNC
Line item	Q3 23	Q4 23	Q1 24	Q2 24	Q3 24	Q4 24	Q1 25	Q2 25	Q3 25	Q4 25	Q1 26	Q2 26	LTM
Revenue	2.32	2.35	2.40	2.54	2.60	2.63	2.50	2.62	2.63	2.04	2.76	2.21	9.30
Cost of Revenue	0.54	0.76	0.80	0.82	0.93	0.80	0.78	0.89	0.88	0.81	1.46	1.46	4.49
Gross Profit	1.77	1.58	1.59	1.72	1.67	1.83	1.72	1.73	1.75	1.23	1.30	0.76	4.82
Selling, General & Administrative	0.72	0.73	0.76	0.85	0.71	0.74	0.77	0.72	0.73	0.85	0.85	0.78	3.11
Total Operating Expenses	1.15	1.19	1.17	1.23	1.16	1.17	1.22	1.24	1.23	0.93	1.29	0.78	4.06
Operating Income	0.62	0.39	0.42	0.49	0.51	0.66	0.50	0.49	0.52	0.31	0.02	-0.02	0.76
Interest Expense	0.62	0.70	0.74	0.78	0.85	0.83	0.77	0.74	0.74	0.73	0.69	0.68	2.74
Pre-Tax Income	0.62	0.39	0.42	0.49	0.51	0.66	0.50	0.49	0.52	0.31	0.02	0.99	1.76
Income Tax Expense	0.12	0.11	0.08	0.09	0.09	0.13	0.09	0.09	0.10	0.05	0.00	0.19	0.33
Net Income	0.50	0.28	0.35	0.40	0.42	0.53	0.41	0.40	0.43	0.25	0.02	0.80	1.43
EBITDA	0.66	0.42	0.46	0.53	0.55	0.69	0.54	0.53	0.56	0.34	0.06	-0.06	0.83

LTM = last twelve months (sum of the four most recent quarters).

Data as of: September 24, 2026 · Source: fundamental data & SEC filings (annual and quarterly reports, 10-K/10-Q)

Note: pure fact-based analysis, not investment advice and not a solicitation to buy or sell. All figures without guarantee.

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