CZNC — CITIZENS & NORTHERN CORP
—
Nasdaq ·
Financials ·
Banks ·
CIK 810958 ·
Last close
$25.70
Market Cap
$460.93M
52W High
$26.37
52W Low
$18.02
ADV30
64,323
Next earnings
2026-10-22
Quarterly Fundamentals
Revenues vs Net Income (last 4 Q)
Assets vs Liabilities (last 4 Q)
| Period | Revenues | Gross profit | Op income | Net income | 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
$39,074,000
Investing CF
$-29,674,000
Financing CF
$-68,090,000
CapEx
$-1,551,000
Dividends Paid
$-16,957,000
Buybacks
$-190,000
EPS Diluted TTM
$1.48
As of
2026-08-09
Balance + Analyst (yfinance extras)
Retained Earnings
$166,476,000
Inventory
—
Receivables
$11,901,000
ST Investments
$293,765,000
EBIT TTM
—
Pretax Income TTM
$21,274,000
Interest Exp TTM
$47,764,000
Analysts
1
Yahoo Snapshot (yfinance, live)
Total Revenue
$127,266,000
EBITDA
—
Free Cash Flow
—
Enterprise Value
$553,267,520
Total Cash
$83,594,000
Total Debt
$171,092,992
Shares Out
17,934,867
Trailing EPS
$1.47
Book Value
$19.29
ROE
8.0%
ROA
0.9%
Div Yield
4.31%
Annual Trend (SEC EDGAR, last 4y)
Revenues vs Net Income (last 4y)
| FY end | Revenues | Op income | Net income | Assets | Liabilities | Equity | Op cash flow |
|---|---|---|---|---|---|---|---|
| Dec 2025 | 120,842,000 | — | 23,427,000 | 3,132,469,000 | 2,790,755,000 | 341,714,000 | 32,003,000 |
| Dec 2024 | 106,506,000 | — | 25,958,000 | 2,610,653,000 | 2,335,369,000 | 275,284,000 | 33,035,000 |
| Dec 2023 | 103,135,000 | — | 24,148,000 | 2,515,584,000 | 2,253,203,000 | 262,381,000 | 33,548,000 |
| Dec 2022 | 105,959,000 | — | 26,618,000 | 2,454,307,000 | 2,204,982,000 | 249,325,000 | 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
Max Pain — expiry 2026-12-18 (volume-derived — Yahoo OI feed degraded)
max pain strike: $22.50 · spot: $25.62 · call volume: 13 · put volume: 1Peers — same industry
| Ticker | Name | Market Cap | Last | Daily % |
|---|---|---|---|---|
| BMRC | Bank of Marin Bancorp | $451.98M | $27.91 | — |
| RBB | RBB Bancorp | $449.63M | $26.58 | — |
| CBK | Commercial Bancgroup, Inc. | $439.67M | $32.09 | — |
| CBAN | COLONY BANKCORP INC | $438.86M | $20.68 | — |
| COFS | CHOICEONE FINANCIAL SERVICES INC | $494.43M | $33.06 | — |
News headlines (Yahoo Finance, 1h cache)
Are Options Traders Betting on a Big Move in Citizens & Northern Corp Stock?
2026-08-20 19:17 · Yahoo
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 & Northern Corp's Dividend Analysis
2026-08-03 11:21 · 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
Citizens & Northern (CZNC) Beats Q2 Earnings and Revenue Estimates
2026-08-07 17:05 · 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
Recent Insider Activity
No insider activity indexed for this ticker.