Citizens & Northern Corp
CZNC Nasdaq· State Commercial Banks
Last close · Oct 27, 2026
$27.84
KIRA · Stoqly’s AI analyst, in plain words
- Citizens & Northern Corp had $123M of revenue in fiscal 2025, up 13.3% on the year before. Over five years, revenue changed +5.9% a year on average.
- Citizens & Northern Corp made $23.4M of net profit in fiscal 2025.
- Citizens & Northern Corp returned $16.3M to shareholders in fiscal 2025, 54% of free cash flow.
- It earned 7.6% on shareholders’ money. Running costs took 71.7% of revenue (the efficiency ratio; lower is better).
Market cap
—
P/E
—
Revenue
$123M
Net income
$23.4M
Return on equity
7.6%
Efficiency ratio
71.7%
Citizens & Northern Corp in 30 seconds · fiscal 2025
Are sales growing?
+13.3%
Yes. Sales grew 13.3% last year.
Does it make a profit?
19.1%
Yes. It keeps 19.1% of every sale as profit.
How lean are its costs?
71.7%
Costly. Running costs take 71.7% of revenue.
How much does it earn on its capital?
7.6%
Low. It earns 7.6% a year on shareholders’ money.
What Citizens & Northern Corp does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Mar 6, 2026
- Legal name
- CITIZENS & NORTHERN CORP
- CIK
- 0000810958
Citizens & Northern Corp · CZNC
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $104M | $108M | $105M | $108M | $123M |
| Revenue growth | 12.8% | 3.6% | −2.6% | 3.3% | 13.3% |
| Net interest income | $77.9M | $83.1M | $80.4M | $79.1M | $91.9M |
| Net income | $30.6M | $26.6M | $24.1M | $26.0M | $23.4M |
| Net margin | 29.4% | 24.7% | 23.0% | 24.0% | 19.1% |
| Diluted EPS | $1.92 | $1.71 | $1.57 | $1.69 | — |
| Cash | |||||
| Cash from operations | $34.8M | $34.6M | $33.5M | $33.0M | $32.0M |
| Capital expenditure | $1.9M | $3.3M | $2.3M | $1.9M | $1.9M |
| Free cash flow | $33.0M | $31.3M | $31.3M | $31.1M | $30.1M |
| FCF margin | 31.8% | 29.1% | 29.8% | 28.7% | 24.5% |
| Dividends paid | $16.0M | $15.9M | $15.6M | $15.5M | $16.3M |
| Share count change | 7.0% | −2.0% | −1.4% | 0.1% | — |
| Debt and strength | |||||
| Cash and short-term investments | $105M | $55.0M | $56.9M | $126M | $46.1M |
| Debt incl. finance leases | $1.8M | $80.1M | $33.9M | $2.5M | $28.6M |
| Loans, net | $1.6B | $1.7B | $1.8B | $1.9B | $2.3B |
| Deposits | $1.9B | $2.0B | $2.0B | $2.1B | $2.6B |
| Shareholders' equity | $301M | $249M | $262M | $275M | $342M |
| Returns and quality | |||||
| Return on equity | 10.2% | 9.7% | 9.4% | 9.7% | 7.6% |
| Return on tangible equity | 12.3% | 13.6% | 11.6% | 11.7% | 8.7% |
| Efficiency ratio | 60.2% | 63.2% | 70.7% | 68.6% | 71.7% |
| Piotroski F-score | 6 | 4 | 5 | 5 | — |
Insiders bought, 12 months
$0.1M
3 insiders
Insiders sold, 12 months
$0.1M
2 insiders
Of sales under plans
0%
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
Citizens & Northern Corp · CZNC
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $27.84 a share, the company is worth —.
Source: SEC EDGAR XBRL filings (CIK 0000810958). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.