Citizens & Northern Corp

Financial Services · Banks - Regional

25.20$ -1.8% vs. previous close Closing price · As of: Sep 23, 2026

Statements

Income Statement

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), "Revenue" came in at 154 million USD. Tick rows to compare them in a chart.

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 in millions of USD.

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Income Statement 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
Revenue	27	28	55	58	58	63	67	67	68	72	45	81	87	83	77	77	75	66	62	62	60	61	70	83	100	109	115	136	155	154
Cost of Revenue	24	24	23	25	31	29	27	25	24	28	31	34	32	25	20	13	9.3	7.8	5.6	5.4	4.9	4.7	5.2	11	14	10	17	33	51	53
Gross Profit	3.3	4.2	31	33	27	34	40	42	44	45	13	46	55	57	56	64	65	58	56	56	55	56	64	72	87	99	99	103	104	101
Research & Development	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	–	–	–	–	–	–	–
Selling, General & Administrative	7.6	7.7	8.4	8.8	9.5	11	12	13	15	16	18	19	20	18	18	20	20	20	21	21	22	22	24	28	33	38	42	44	45	53
Total Operating Expenses	-9.1	-9.1	16	18	17	19	21	22	26	29	-1.4	33	43	119	31	32	34	33	33	35	34	36	38	48	64	61	66	72	72	72
Operating Income	12	13	15	15	10	15	19	20	18	16	15	13	12	-62	25	32	31	25	23	22	21	21	26	23	23	38	32	30	32	29
Interest Expense	23	23	23	25	30	28	26	24	23	26	31	34	31	24	19	14	9.0	5.8	5.1	4.6	3.7	3.9	4.6	10	9.6	6.6	9.5	33	49	47
Pre-Tax Income	12	13	15	15	10	15	19	20	18	16	15	13	12	-62	25	32	31	25	23	22	21	21	26	23	23	38	32	30	32	29
Income Tax Expense	3.2	3.2	3.5	3.4	1.8	3.0	3.7	3.6	2.9	2.8	2.8	2.6	2.3	-23	5.8	8.7	8.4	6.2	5.7	5.3	5.3	7.2	4.3	3.9	4.0	7.1	5.7	6.3	5.9	5.2
Net Income	9.3	10	11	11	8.5	12	15	16	15	13	12	10	10	-39	19	23	23	19	17	16	16	13	22	20	19	31	27	24	26	23
EBITDA	13	14	15	14	8.9	16	20	21	19	18	17	16	16	-59	27	34	33	27	25	24	23	22	28	25	25	40	35	33	34	31

Data as of: September 23, 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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Income Statement

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