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CZNC FINANCIAL STATEMENTS

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

CZNCCitizens & Northern Corp

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

Value itDuel
PriceFinancialsPeers

Income Statement

Quarterly progression — trailing-twelve-month values
RevenueNet Income to Owners
050 M100 M150 M202120222023202420252026

Profit Funnel

Q2 2026 · TTM
Revenue164.3 M $Gross Profit85.1 M $ · 52%Operating Income13.4 M $ · 8%Pre-tax Income31.2 M $ · 19%Net Income to Owners25.3 M $ · 15%

Percentages are relative to revenue.

Key Figures

YoY change
Revenue164.3 M $+3.5%
Gross Profit85.1 M $-20.2%
Operating Income13.4 M $-59.6%
EBITDA14.7 M $-58.6%
Net Income to Owners25.3 M $-5.9%

No peer data is available for this stock.

Balance Sheet

Quarterly period-end values
Total AssetsTotal LiabilitiesEquity
01 B2 B3 B202120222023202420252026

Capital Structure

Q2 2026
Total Assets3.2 B
  • Equity346.1 M $11%
  • Current Liabilities14.6 M $0%
  • Long-term Liabilities2.8 B $89%

Key Figures

YoY change
Total Assets3.2 B $+20.7%
Total Liabilities2.8 B $+20.7%
Total Equity346.1 M $+20.9%
Cash & ST Investments579.4 M $+68.8%
Total Debt170 M $-7.7%
Net Debt87.5 M $+3.4%

No peer data is available for this stock.

Cash Flow Statement

Quarterly progression — trailing-twelve-month values
Operating Cash FlowCapital ExpendituresFree Cash Flow
020 M40 M202120222023202420252026

Cash Flow Bridge

Q2 2026 · TTM
025 M50 M46 M $Operating23.4 M $Investing-85.2 M $Financing-15.8 M $Net Change

Key Figures

YoY change
Operating Cash Flow46 M $+59.8%
Capital Expenditures1.3 M $-18.0%
Free Cash Flow45.1 M $+65.6%
Dividends Paid17.6 M $+12.8%

No peer data is available for this stock.

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 Sep 11, 26. This content is for informational purposes only and is not investment advice.