CZNCNasdaqState Commercial BanksFiscal year ends December 31

CITIZENS & NORTHERN CORP

Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 7, 2026

$25.39−0.11 (-0.43%)

Close on Oct 19, 2026

Market cap: $451.23M
P/E (TTM): 17.2
Dividend yield: –

CITIZENS & NORTHERN CORP income statement

Annual Quarterly TTM

Millions of USD, except per-share data. Shares in millions.

Line item	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31	FY 2020 2020-12-31	FY 2019 2019-12-31	FY 2018 2018-12-31	FY 2017 2017-12-31	FY 2016 2016-12-31	FY 2015 2015-12-31	FY 2014 2014-12-31	FY 2013 2013-12-31	FY 2012 2012-12-31	FY 2011 2011-12-31	FY 2010 2010-12-31	FY 2009 2009-12-31
Revenue	123	108	105	108	104	92	74	66	58	57	58	57	61	67	64	58	–
Interest Expense	–	–	33	9.52	6.56	9.60	10	4.63	3.92	3.69	4.60	5.12	5.77	9.03	14	19	24
Asset Impairment Charges	0	0	0	0	0	0	0	0	0	0	–	–	–	0.07	0	0.43	85
Gain (Loss) on Investments	0.04	0	-3.04	0.02	0.02	–	0.03	2.30	0	–	–	–	–	–	–	–	–
Gain (Loss) on Sale of Assets	–	–	–	–	–	–	–	–	–	0.00	0.00	0.01	-0.02	0.27	0.32	0.45	-0.03
Pretax Income	29	32	30	32	38	23	23	26	21	21	22	23	25	31	32	25	-62
Income Tax Expense	5.22	5.91	6.34	5.73	7.13	3.99	3.91	4.25	7.16	5.35	5.34	5.69	6.18	8.43	8.71	–	–
Net Income incl. Noncontrolling Interests	23	26	24	27	31	19	–	–	–	–	–	–	–	–	–	–	–
Net Income	23	26	24	27	31	19	20	22	13	16	16	17	19	23	23	19	-39
Preferred Dividends	–	–	–	–	–	–	–	–	–	–	–	–	–	0	0	1.47	1.43
Net Income to Common	23	26	24	26	30	19	19	22	13	16	16	–	–	23	23	18	-41
EPS (Basic)(per share)	1.46	1.69	1.57	1.71	1.92	1.30	1.46	1.79	1.10	1.30	1.35	1.38	1.51	1.86	1.92	1.45	-4.40
EPS (Diluted)(per share)	–	1.69	1.57	1.71	1.92	1.30	1.46	1.79	1.10	1.30	1.35	1.38	1.50	1.85	1.92	1.45	-4.40
Shares Outstanding (Basic, Weighted)(shares)	16	15	15	15	16	15	13	12	12	12	12	12	12	12	12	12	–
Shares Outstanding (Diluted, Weighted)(shares)	16	15	15	15	16	15	13	12	12	12	12	12	12	12	12	12	–
Dividend per Share(per share)	–	–	–	–	–	–	–	–	–	–	1.04	1.04	1.00	0.84	0.58	0.39	0.72
Total Interest Income	139	128	114	93	85	77	65	50	46	44	45	46	49	57	61	62	68
Net Interest Income	92	79	80	83	78	68	54	46	42	40	40	41	43	48	48	43	44
Non-Interest Income	31	29	24	24	26	25	19	21	16	17	18	17	18	19	16	15	-71
Provision for Credit Losses	6.07	2.20	0.19	7.26	3.66	3.91	0.85	0.58	0.80	1.22	0.85	0.48	2.05	0.29	-0.29	1.19	0.68
Non-Interest Expense	88	74	74	68	62	65	50	39	37	35	36	34	34	35	32	31	34

Italic numbers are calculated by StockData (for example Q4 = full year − nine months). Per-share data and share counts are adjusted for stock splits. Hover a number for its source; click it to open the filing on SEC.gov. Click a row to chart it.

Ratios

Latest available, balances at Jun 30, 2026

Profitability, TTM

Gross margin: –
Operating margin: –
Net margin: 17.8%
Return on equity, FY2025: 7.6%

Financial strength

Current ratio: –
Debt to equity: –
Debt to assets: –
Cash to current liabilities: –

Valuation

P/E ratio: 17.2
Price to sales: 3.17
Price to book: 1.30
Dividend yield: –