CZNC — CITIZENS & NORTHERN CORP
—
Nasdaq ·
Financials ·
Banks ·
CIK 810958 ·
Last close
$25.05
Market Cap
$449.45M
52W High
$25.44
52W Low
$20.20
ADV30
78,402
Next earnings
—
Quarterly Fundamentals
Revenues vs Net Income (last 4 Q)
Assets vs Liabilities (last 4 Q)
| Period | Revenues | GrossProfit | OpIncome | NetIncome | Assets | Cash | Liabilities |
|---|---|---|---|---|---|---|---|
| Jun 2026 | — | — | — | — | — | — | — |
| Mar 2026 | — | — | — | — | — | — | — |
| Dec 2025 | 36,327,000 | — | — | 4,466,000 | 3,132,469,000 | 46,056,000 | 2,790,755,000 |
| Sep 2025 | 29,038,000 | — | — | 6,551,000 | 2,664,033,000 | 123,090,000 | 2,370,074,000 |
Cashflow TTM (yfinance, fills SEC gap)
Operating CF
$32,003,000
Investing CF
$196,000
Financing CF
$-111,067,000
CapEx
$-1,905,000
Dividends Paid
$-16,293,000
Buybacks
$-218,000
EPS Diluted TTM
$1.09
As of
2026-05-10
Balance + Analyst (yfinance extras)
Retained Earnings
$171,214,000
Inventory
—
Receivables
$11,594,000
ST Investments
$291,323,000
EBIT TTM
—
Pretax Income TTM
$28,643,000
Interest Exp TTM
$47,364,000
Analysts
1
Yahoo Snapshot (yfinance, live)
Total Revenue
$127,266,000
EBITDA
—
Free Cash Flow
—
Enterprise Value
$543,765,760
Total Cash
$82,537,000
Total Debt
$170,035,008
Shares Out
17,942,105
Trailing EPS
$1.47
Book Value
$19.29
ROE
8.0%
ROA
0.9%
Div Yield
4.41%
Annual Trend (SEC EDGAR, last 4y)
Revenues vs Net Income (last 4y)
| FY end | Revenues | OpIncome | NetIncome | Assets | Liabilities | Equity | OCF |
|---|---|---|---|---|---|---|---|
| Dec 2025 | 120,842,000 | — | 23,427,000 | 3,132,469,000 | 2,790,755,000 | — | 32,003,000 |
| Dec 2024 | 106,506,000 | — | 25,958,000 | 2,610,653,000 | 2,335,369,000 | — | 33,035,000 |
| Dec 2023 | 103,135,000 | — | 24,148,000 | 2,515,584,000 | 2,253,203,000 | — | 33,548,000 |
| Dec 2022 | 105,959,000 | — | 26,618,000 | 2,454,307,000 | 2,204,982,000 | — | 34,599,000 |
TTM Snapshot
Revenues TTM
$506,000
NetIncome TTM
$7,060,000
OpCashFlow TTM
$0
Assets (Latest)
$2,327,648,000
Forward EPS
$2.75
Peers — same industry
| Ticker | Name | Market Cap | Last | Daily % |
|---|---|---|---|---|
| RBB | RBB Bancorp | $447.75M | $26.36 | — |
| BMRC | Bank of Marin Bancorp | $459.86M | $28.41 | — |
| GBFH | GBank Financial Holdings Inc. | $434.40M | $30.02 | — |
| CBK | Commercial Bancgroup, Inc. | $467.62M | $34.13 | — |
| CBAN | COLONY BANKCORP INC | $468.15M | $22.06 | — |
News headlines (Yahoo Finance, 1h cache)
Citizens & Northern AGM: Directors Elected, Crowe LLP Ratified, $0.28 Dividend Declared
2026-04-24 18:33 · Yahoo
Do Options Traders Know Something About Citizens & Northern Stock We Don't?
2026-04-07 14:00 · Yahoo
Citizens Financial Services (CZFS) Tops Q2 Earnings Estimates
2026-07-30 12:35 · Yahoo
Beacon Financial (BBT) Q2 Earnings Meet Estimates
2026-07-29 22:25 · Yahoo
Reinsurance Group (RGA) Beats Q1 Earnings and Revenue Estimates
2026-05-07 23:05 · Yahoo
Isabella Bank Corporation (ISBA) Lags Q2 Earnings and Revenue Estimates
2026-07-23 21:25 · Yahoo
Undervalued Small Caps With Insider Buying For May 2026
2026-05-18 11:39 · Yahoo
Here's Why Citizens & Northern (CZNC) Looks Ripe for Bottom Fishing
2026-03-16 13:55 · Yahoo
Best Income Stocks to Buy for March 2nd
2026-03-02 11:58 · Yahoo
February 2026's Stock Selections That Might Be Trading Below Their Estimated Value
2026-02-17 11:38 · Yahoo
Recent Insider Activity
No insider activity indexed for this ticker.