Citizens & Northern Corp

Financial Services · Banks - Regional

25.70$ +0.9% vs. previous close Closing price · As of: Sep 25, 2026

Statements

Balance Sheet

Citizens & Northern Corp (CZNC) by the numbers: income statement, balance sheet and cash flow, by year or by quarter. In the most recent period (2025), "Total Assets" came in at 3,132 million USD. Tick rows to compare them in a chart.

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Amounts Change % Common size %

Last 12 Full history

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All figures in millions of USD.

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Balance Sheet CZNC
Line item	1996	1997	1998	1999	2000	2001	2002	2003	2004	2005	2006	2007	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Total Assets	610	615	646	706	719	867	1,019	1,067	1,123	1,163	1,127	1,284	1,282	1,322	1,317	1,324	1,287	1,238	1,242	1,223	1,242	1,277	1,291	1,654	2,239	2,328	2,454	2,516	2,611	3,132
Current Assets	19	19	20	23	19	21	21	21	24	32	32	37	30	98	51	547	784	531	697	460	431	400	405	387	459	630	562	482	357	46
Cash	15	14	16	18	14	16	15	15	19	26	27	32	24	92	46	61	60	45	36	36	32	40	37	35	102	105	55	57	126	46
Cash & Short-Term Investments	15	14	16	18	14	16	15	15	19	26	27	32	24	92	46	542	532	527	553	456	427	396	401	382	451	623	553	473	349	337
Receivables	4.4	4.8	4.1	5.1	5.0	4.9	6.0	5.6	5.1	5.5	5.0	5.7	5.8	5.6	5.0	4.8	4.3	4.1	3.9	3.8	4.0	4.0	4.0	5.0	8.3	7.2	8.7	9.1	8.7	12
Inventory	–	–	–	–	0.3	0.2	0.1	0.1	0.5	0.2	0.3	0.3	0.3	0.9	5.8	2.2	3.4	0.9	1.2	1.3	2.2	1.6	1.7	-47	-117	-122	-64	48	–	–
Property, Plant & Equipment	–	–	–	–	9.3	10.0	10	12	17	23	23	28	26	24	23	19	19	17	16	15	15	15	15	17	22	21	22	–	–	–
Goodwill	–	–	–	–	–	–	–	–	–	3.4	2.8	12	12	12	12	12	12	12	12	12	12	12	12	28	53	53	53	53	53	63
Intangible Assets	–	–	–	–	–	–	–	–	–	5.5	0.3	1.4	0.8	0.5	0.3	0.2	0.1	0.1	0.1	0.0	0.0	0.0	0.0	1.2	3.9	3.3	2.9	2.5	2.1	12
Total Liabilities	539	530	556	629	630	767	903	942	991	1,031	997	1,146	1,160	1,169	1,178	1,156	1,104	1,058	1,054	1,036	1,056	1,089	1,094	1,410	1,939	2,026	2,205	2,253	2,335	2,791
Current Liabilities	430	442	495	593	628	640	693	705	719	797	823	884	928	973	1,029	1,129	5.6	1,046	5.5	1,024	1,045	1,079	1,058	1,351	1,868	1,950	2,142	2,049	2,096	42
Short-Term Debt	–	–	12	89	95	58	44	38	34	35	49	41	49	39	18	95	5.6	84	5.5	80	53	62	13	86	20	1.8	119	34	2.5	42
Accounts Payable	–	–	6.0	3.5	4.8	5.4	9.2	8.8	8.0	5.0	6.7	5.2	7.9	927	1,004	7.8	8.6	7.0	7.0	8.1	7.8	9.1	11	12	28	24	26	–	–	–
Long-Term Debt	–	–	–	–	0.6	106	171	187	215	154	100	221	197	149	133	125	84	73	73	39	38	9.2	36	6.5	17	78	182	146	205	161
Shareholders' Equity	72	86	91	77	89	100	116	125	132	132	130	138	122	152	139	167	183	179	188	187	186	188	197	244	300	301	249	262	275	342
Retained Earnings	48	53	58	63	65	70	78	85	93	94	96	97	98	53	66	82	95	101	106	109	113	114	123	126	130	143	152	157	166	171
Shares Outstanding	8.5	8.5	8.6	8.5	8.5	8.6	8.5	8.5	8.6	8.6	8.5	8.8	9.0	9.3	12	12	12	12	12	12	12	12	12	13	15	16	15	15	15	16

Data as of: September 25, 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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