CZNC FINANCIAL STATEMENTS

Citizens & Northern Corp — balance sheet, income statement and cash flow trends

CZNCCitizens & Northern Corp

🇺🇸 USA · NASDAQ · Financial Services · Banks - Regional

Value it Duel

Income Statement

Quarterly progression — trailing-twelve-month values

RevenueNet Income

Profit Funnel

Q1 2026 · TTM

Percentages are relative to revenue.

Key Figures

YoY change

Revenue165.4 M $+5.2%

Gross Profit98.2 M $-7.7%

Operating Income21.3 M $-35.8%

EBITDA23.8 M $-32.7%

Net Income17.4 M $-35.4%

Peer Comparison· Banks - Regional

Company	Rev. Growth	Gross Margin	EBITDA Margin	Net Margin
CZNC	—	—	—	10.5%
ICBCT	—	—	—	24.7%
ISBTR	—	—	—	28.1%
TSKB	—	—	—	54.9%
NWG	—	—	—	20.1%
LLOY	—	—	—	25.9%
Industry median	—	67.2%	20.4%	20.6%

Balance Sheet

Quarterly period-end values

Total AssetsTotal LiabilitiesEquity

Capital Structure

Q1 2026

Equity335.6 M $11%
Current Liabilities53.1 M $2%
Long-term Liabilities2.8 B $88%

Key Figures

YoY change

Total Assets3.2 B $+21.3%

Total Liabilities2.8 B $+21.5%

Total Equity335.6 M $+19.1%

Cash & ST Investments53.4 M $-89.8%

Total Debt193 M $-0.9%

Net Debt139.6 M $+74.4%

Peer Comparison· Banks - Regional

Company	Current Ratio	Debt/Equity	NetDebt/EBITDA	Equity/Assets
CZNC	1.23	57.5%	5.87	10.6%
ICBCT	—	0.0%	-20.34	4.0%
ISBTR	—	0.0%	-28.33	8.5%
TSKB	—	0.0%	-0.47	13.4%
NWG	0.25	17.0%	-14.68	5.2%
LLOY	0.12	209.8%	5.39	5.0%
Industry median	0.31	38.0%	-0.58	11.0%

Company	Current Ratio	Debt/Equity	NetDebt/EBITDA	Equity/Assets
CZNC	1.23	57.5%	5.87	10.6%
PLBC	0.33	54.3%	-8.40	12.1%
PBFS	0.11	—	—	14.8%
FMAO	0.13	71.5%	-1.66	10.8%
PCB	0.68	17.2%	-2.09	11.7%
CBAN	0.45	67.9%	4.86	10.2%
Industry median	0.31	38.0%	-0.58	11.0%

Cash Flow Statement

Quarterly progression — trailing-twelve-month values

Operating Cash FlowCapital ExpendituresFree Cash Flow

Cash Flow Bridge

Q1 2026 · TTM

Key Figures

YoY change

Operating Cash Flow39.1 M $+35.3%

Capital Expenditures1.6 M $-9.0%

Free Cash Flow37.5 M $+38.0%

Dividends Paid-17 M $-208.8%

Peer Comparison· Banks - Regional

Company	CF Margin	FCF Margin	CapEx Ratio	CF/Net Income
CZNC	23.6%	22.7%	0.9%	224.5%
ICBCT	24.7%	29.9%	5.1%	100.0%
ISBTR	28.1%	-3.3%	31.4%	100.0%
TSKB	54.9%	71.9%	17.0%	100.0%
NWG	—	—	0.0%	—
LLOY	—	—	0.0%	—
Industry median	23.6%	22.1%	1.5%	111.4%

Company	CF Margin	FCF Margin	CapEx Ratio	CF/Net Income
CZNC	23.6%	22.7%	0.9%	224.5%
PLBC	19.5%	18.4%	1.1%	73.0%
PBFS	11.2%	10.0%	1.2%	73.1%
FMAO	17.8%	16.7%	1.1%	94.6%
PCB	21.2%	20.5%	0.7%	111.3%
CBAN	15.5%	15.2%	0.8%	103.1%
Industry median	23.6%	22.1%	1.5%	111.4%

Amounts are in the company’s reporting currency. Peer comparison tables use ratio-based metrics so currency differences do not distort the picture.

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Data on this page refreshes once per day. Price data as of Jul 8, 26. This content is for informational purposes only and is not investment advice.