CZNC
CITIZENS & NORTHERN CORPCompany Information
- Company Name
- CITIZENS & NORTHERN CORP
- CIK
- CIK0000810958
- Category
- Accelerated filer
- Ticker: Exchange
- CZNC: Nasdaq
- Fiscal Year End
- December 31
- Owner Organization
- 02 Finance
- SIC
- 6022
- SIC Description
- State Commercial Banks
- Ticker
- CZNC
SEC filing data through
Insider Sentiment
- Last purchase
- 2026-09-04
- Last sale
- 2026-08-03
- Shares purchased (TTM)
- 3,892
- Shares sold (TTM)
- 3,067
Institutional Sentiment
- As of
- 2026-06-30
- Institutional shares owned
- 5,960,792
- Shares outstanding
- 17,771,901
- Ownership
- 33.54%
Earnings Market Reaction
- Filing date
- 2026-08-07
- Price on filing date
- —
- 1-month reaction
- 0.71%
- 3-month reaction
- …
Balance Sheet
Values in millions ($)| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Trend |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Assets | ||||||||||||||||||
| Due From Banks | 26 | 31 | 22 | 27 | 26 | 36 | 21 | 26 | 27 | 18 | 25 | 26 | ||||||
Cash And Due From Banks | ||||||||||||||||||
| Interest Bearing Deposits In Banks | 57 | 24 | 24 | 96 | 73 | 79 | 105 | 159 | 74 | 28 | 32 | 27 | ||||||
| Cash And Cash Equivalents At Carrying Value | 83 | 55 | 46 | 123 | 100 | 115 | 126 | 184 | 100 | 46 | 57 | 53 | ||||||
| Debt Securities Available For Sale Excluding Accrued Interest | 497 | 497 | 507 | 415 | 406 | 408 | 402 | 408 | 401 | 405 | 416 | 429 | ||||||
| Financing Receivable Excluding Accrued Interest Before Allowance For Credit Loss | 2,349 | 2,385 | 2,354 | 1,945 | 1,919 | 1,898 | 1,896 | 1,893 | 1,893 | 1,872 | 1,848 | 1,831 | ||||||
| Financing Receivable Allowance For Credit Loss Excluding Accrued Interest Current | -33 | -34 | -31 | -23 | -22 | -20 | -20 | -20 | -20 | -20 | -19 | -18 | ||||||
| Financing Receivable Excluding Accrued Interest After Allowance For Credit Loss | 2,316 | 2,351 | 2,323 | 1,922 | 1,898 | 1,878 | 1,876 | 1,872 | 1,873 | 1,852 | 1,829 | 1,813 | ||||||
| Bank Owned Life Insurance | 62 | 62 | 61 | 53 | 52 | 52 | 51 | 51 | 50 | 50 | 64 | 32 | ||||||
| Accrued Investment Income Receivable | 11 | 12 | 12 | 10 | 9 | 9 | 9 | 9 | 9 | 9 | 9 | 9 | ||||||
| Property Plant And Equipment Net | 27 | 27 | 28 | 21 | 21 | 21 | 21 | 22 | 22 | 22 | 22 | 21 | ||||||
| Foreclosed Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | ||||||
| Deferred Income Tax Assets Net | 19 | 19 | 18 | 17 | 17 | 17 | 19 | 17 | 18 | 18 | 17 | 24 | ||||||
| Goodwill | 63 | 63 | 63 | 53 | 53 | 53 | 53 | 53 | 53 | 53 | 53 | 53 | ||||||
| Finite Lived Intangible Assets Net | 10 | 11 | 12 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 3 | ||||||
| Other Assets | 65 | 67 | 63 | 49 | 53 | 54 | 51 | 52 | 64 | 63 | 47 | 48 | ||||||
| Assets | 3,152 | 3,164 | 3,132 | 2,664 | 2,611 | 2,609 | 2,611 | 2,671 | 2,593 | 2,522 | 2,516 | 2,484 | ||||||
Liabilities | ||||||||||||||||||
| Noninterest Bearing Deposit Liabilities Domestic | 558 | 568 | 531 | 508 | 507 | 489 | 487 | 513 | 502 | 494 | 491 | 496 | ||||||
Deposits | ||||||||||||||||||
| Deposits | 2,604 | 2,600 | 2,565 | 2,166 | 2,110 | 2,102 | 2,094 | 2,136 | 2,059 | 1,996 | 2,015 | 2,025 | ||||||
| Interest Bearing Deposit Liabilities Domestic | 2,046 | 2,032 | 2,033 | 1,657 | 1,602 | 1,613 | 1,607 | 1,623 | 1,558 | 1,502 | 1,524 | 1,529 | ||||||
| Short Term Borrowings | 15 | 14 | 29 | 1 | 1 | 1 | 2 | 11 | 17 | 49 | 34 | 23 | ||||||
| Federal Home Loan Bank Advances Long Term | 130 | 139 | 121 | 133 | 144 | 154 | 165 | 175 | 186 | 149 | 138 | 125 | ||||||
| Senior Notes | 0 | 15 | 15 | 15 | 15 | 15 | 15 | 15 | 15 | 15 | 15 | 15 | ||||||
| Subordinated Debt | 25 | 25 | 25 | 25 | 25 | 25 | 25 | 25 | 25 | 25 | 25 | 25 | ||||||
| Other Liabilities | 32 | 36 | 37 | 30 | 30 | 30 | 34 | 32 | 28 | 27 | 27 | 31 | ||||||
| Liabilities | 2,806 | 2,829 | 2,791 | 2,370 | 2,325 | 2,327 | 2,335 | 2,394 | 2,330 | 2,260 | 2,253 | 2,244 | ||||||
| Preferred Stock Value Outstanding | 0 | 0 | - | 0 | 0 | 0 | - | 0 | 0 | 0 | - | 0 | ||||||
| Common Stock Value Outstanding | 18 | 18 | 18 | 16 | 16 | 16 | 16 | 16 | 16 | 16 | 16 | 16 | ||||||
| Additional Paid In Capital | 184 | 184 | 186 | 143 | 143 | 143 | 144 | 143 | 143 | 143 | 144 | 144 | ||||||
Stockholders Equity | ||||||||||||||||||
| Stockholders Equity | 346 | 336 | 342 | 294 | 286 | 282 | 275 | 277 | 263 | 262 | 262 | 240 | ||||||
| Retained Earnings Accumulated Deficit | 176 | 166 | 171 | 172 | 170 | 168 | 166 | 162 | 160 | 158 | 157 | 157 | ||||||
| Treasury Stock Value | -8 | -9 | -11 | -11 | -12 | -12 | -13 | -14 | -15 | -15 | -17 | -17 | ||||||
| Accumulated Other Comprehensive Income Loss Net Of Tax | -24 | -25 | -23 | -26 | -31 | -33 | -37 | -30 | -41 | -41 | -38 | -60 | ||||||
| Liabilities And Stockholders Equity | 3,152 | 3,164 | 3,132 | 2,664 | 2,611 | 2,609 | 2,611 | 2,671 | 2,593 | 2,522 | 2,516 | 2,484 | ||||||
| Preferred Stock Par Or Stated Value Per Share | 1,000.00 | 1,000.00 | 1,000.00 | 1,000.00 | 1,000.00 | 1,000.00 | 1,000.00 | 1,000.00 | 1,000.00 | 1,000.00 | 1,000.00 | 1,000.00 | ||||||
| Preferred Stock Shares Authorized | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | ||||||
| Preferred Stock Liquidation Preference | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | ||||||
| Preferred Stock Shares Issued | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | ||||||
| Common Stock Par Or Stated Value Per Share | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | ||||||
| Common Stock Shares Authorized | 30 | 30 | 30 | 30 | 30 | 30 | 30 | 30 | 30 | 30 | 30 | 30 | ||||||
| Common Stock Shares Issued | 18 | 18 | 18 | 16 | 16 | 16 | 16 | 16 | 16 | 16 | 16 | 16 | ||||||
| Shares Outstanding | 18 | 18 | 18 | 16 | 16 | 15 | 15 | 15 | 15 | 15 | 15 | 15 | ||||||
| Treasury Stock Common Shares | 0 | 0 | 0 | 0 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | ||||||
Select a line item above to chart it.
Recent filings
- 10-QFiled
- 10-QFiled
- 10-KFiled
- 10-QFiled
- 10-QFiled
- 10-QFiled
- 10-KFiled
- 10-QFiled
- 10-QFiled
- 10-QFiled
- 10-KFiled
- 10-QFiled
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Start 7-day free trialCITIZENS & NORTHERN CORP (CZNC) — SEC Financial Statements & Analysis
CITIZENS & NORTHERN CORP (CZNC) is a state commercial banks company, incorporated in PA. CITIZENS & NORTHERN CORP trades on Nasdaq as: CZNC. CITIZENS & NORTHERN CORP (CZNC)'s most recent SEC filing is a Form 10-Q for the period ended 2026-06-30, filed with the SEC on 2026-08-07. Based on that filing, CITIZENS & NORTHERN CORP carries a market cap of $409.69M, a P/E ratio of 16.16x, a P/B ratio of 1.18x, a P/S ratio of 67.04x, an enterprise value of $342.90M, and an EV/EBITDA multiple of 8.64x. On profitability, it posts a gross margin of -692.01%, an operating margin of 510.01%, a net margin of 414.78%, a Return on Equity (ROE) of 8.01%, and a Return on Invested Capital (ROIC) of 12.44%. Per share, it reports EPS of $1.43, diluted EPS of $1.43, free cash flow per share of $2.52, and a dividend per share of $0.99. Over the trailing year, it posted revenue growth of 29.17% year-over-year, net income growth of -5.94% year-over-year, and EPS growth of -18.71% year-over-year. On the balance sheet, it maintains an interest coverage ratio of 6.31x, free cash flow of $44.77M (TTM), and net debt of $-66.79M. Figures sourced from SEC EDGAR.
- Market Cap
- $409.69M
- P/E TTM
- 16.16x
- EPS TTM
- $1.43
- P/B TTM
- 1.18x
- ROE TTM
- 8.01%
- Free Cash Flow TTM
- $44.77M
- Net Revenue TTM Growth 1Y
- 29.17%
Data as of 2026-06-30 · Source: SEC EDGAR
Frequently Asked Questions
What industry is CITIZENS & NORTHERN CORP in?
CITIZENS & NORTHERN CORP (CZNC) operates in the State Commercial Banks industry.
What exchange does CZNC trade on?
CITIZENS & NORTHERN CORP (CZNC) trades on the Nasdaq.
Where is CITIZENS & NORTHERN CORP incorporated?
CITIZENS & NORTHERN CORP is incorporated in PA.
When was CITIZENS & NORTHERN CORP (CZNC)'s most recent SEC filing?
CITIZENS & NORTHERN CORP (CZNC)'s most recent SEC filing is a Form 10-Q for the period ended 2026-06-30, filed with the SEC on 2026-08-07.
What is CZNC's market cap?
CITIZENS & NORTHERN CORP (CZNC) has a market capitalization of $409.69M as of 2026-06-30.
What is CZNC's P/E ratio?
CITIZENS & NORTHERN CORP (CZNC)'s trailing twelve month P/E ratio is 16.16x as of 2026-06-30.
What is CZNC's EPS (earnings per share)?
CITIZENS & NORTHERN CORP (CZNC)'s trailing twelve month EPS is $1.43 as of 2026-06-30.
What is CZNC's ROE (return on equity)?
CITIZENS & NORTHERN CORP (CZNC)'s trailing twelve month Return on Equity (ROE) is 8.01% as of 2026-06-30.
What is CZNC's ROIC (return on invested capital)?
CITIZENS & NORTHERN CORP (CZNC)'s trailing twelve month Return on Invested Capital (ROIC) is 12.44% as of 2026-06-30.
What is CZNC's EV/EBITDA?
CITIZENS & NORTHERN CORP (CZNC)'s trailing twelve month EV/EBITDA is 8.64x as of 2026-06-30.