CITIZENS & NORTHERN CORPORATION financials

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CZNC CIK 0000810958

Source: EDGAR filings · Built 2026-06-02T02:48:33Z

Key metrics by reporting period

Up to six most-recent periods side-by-side. Rows are the curated key lines — revenue, margins, cash, debt, equity, cash-flow totals, plus the derived and valuation metrics we compute on top. For every tag a filer reported in one period, use the single-filing drilldown below.

Derived Metrics

Concept FY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Free Cash Flow 30.10M 31.13M 31.28M 31.31M 32.98M 21.65M
Net Debt 1.11M -105.64M -4.60M 43.91M -84.69M -78.39M
Return on Equity (ROE) 6.86% 9.43% 9.20% 10.68% 10.14% 6.41%
Return on Assets (ROA) 0.75% 0.99% 0.96% 1.08% 1.31% 0.86%
Debt-to-Equity 0.14× 0.07× 0.20× 0.40× 0.07× 0.08×
Effective Tax Rate 18.21% 18.55% 20.78% 17.72% 18.93% 17.19%
Cash Conversion Ratio 1.37× 1.27× 1.39× 1.30× 1.14× 1.29×
Accruals Ratio -0.00× -0.00× -0.00× -0.00× -0.00× -0.00×
CapEx Coverage 16.80× 17.33× 14.81× 10.52× 18.69× 7.90×
Free Cash Flow Per Share $1.88 $2.04 $2.05 $2.03 $2.09 $1.47

Valuation Metrics

Concept FY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
P/E Trailing (Diluted) 13.82× 11.01× 14.29× 13.37× 13.60× 15.26×
P/FCF 10.75× 9.12× 10.93× 11.29× 12.49× 13.52×
FCF Yield 9.30% 10.97% 9.15% 8.86% 8.01% 7.40%
P/B 1.05× 1.04× 1.31× 1.42× 1.37× 1.05×

Income Statement

Concept FY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Income Tax Expense (Benefit) 5.22M 5.91M 6.33M 5.73M 7.13M 3.99M
Net Income (Loss) Attributable to Parent 23.43M 25.96M 24.15M 26.62M 30.55M 19.22M
Earnings Per Share, Basic $1.46 $1.69 $1.57 $1.71 $1.92 $1.30
Weighted Average Number of Shares Outstanding, Basic 15.95M 15.26M 15.24M 15.46M 15.77M 14.74M
Earnings Per Share, Diluted — $1.69 $1.57 $1.71 $1.92 $1.30
Weighted Average Number of Shares Outstanding, Diluted — 15.26M 15.24M 15.46M 15.77M 14.75M

Balance Sheet

Concept FY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Cash and Cash Equivalents, at Carrying Value 46.06M 126.17M 56.88M 55.05M 104.95M 101.86M
Assets 3.13B 2.61B 2.52B 2.45B 2.33B 2.24B
Liabilities 2.79B 2.34B 2.25B 2.20B 2.03B 1.94B
Stockholders' Equity Attributable to Parent 341.71M 275.28M 262.38M 249.32M 301.40M 299.76M
Common Stock, Shares, Outstanding 17.82M 15.43M 15.30M 15.52M 15.76M 15.91M

Cash Flow Statement

Concept FY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Net Cash Provided by (Used in) Operating Activities 32.00M 33.03M 33.55M 34.60M 34.84M 24.78M
Payments to Acquire Property, Plant, and Equipment 1.91M 1.91M 2.27M 3.29M 1.86M 3.14M
Net Cash Provided by (Used in) Investing Activities 196.00K -20.94M -53.20M -234.69M -103.89M 96.58M
Payments for Repurchase of Common Stock — — — — — 163.00K
Net Cash Provided by (Used in) Financing Activities -111.07M 58.70M 24.73M 151.94M 68.88M -56.47M

Raw XBRL tagging for a single filing

Every us-gaap and custom concept the filer tagged for one fiscal period, grouped by statement. Start here when a number in the trend table above surprises you and you want to see the exact tag behind it. Derived and valuation rows are omitted here because they already appear in the trend table.

Most recent filing shown by default.

Compare filings side-by-side

Diff any two filings with deltas and added / removed tags.

Immaterial rows are USD line items under 1% of the period's revenue — the noise floor below which a single tag rarely moves the investment thesis. Revenue is read from the filer's top-line concept (Revenues / RevenueFromContractWithCustomerExcludingAssessedTax, with a fallback chain). Non-USD rows, rows without a numeric value, and every row on a filing with no identifiable revenue anchor stay visible. Flip the switch off to see every tag the filer reported for the period.

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Methodology

All facts on this page come straight from SEC EDGAR XBRL company-facts filings (CZNC CIK 0000810958), grouped by financial statement using FASB's base us-gaap presentation taxonomy. Filers may re-parent concepts onto different statements in their own extension taxonomy, so a handful of rows can show up under a different statement than on the actual 10-K / 10-Q; custom concepts and any we couldn't map fall into Other. Hover a cell to see the fully-qualified concept name and the filer's description.

For the full methodology — statement grouping, the Other bucket, derived metrics, and fact tooltips — see the methodology reference for the statement grouping, the "Other" bucket, derived metrics, and fact tooltips.

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