tradmap

CZNC Financials CITIZENS & NORTHERN CORP

15 years of revenue, profit, cash flow and balance-sheet history through FY2025, from SEC filings — with a computed, factual read of the trend. Updated Overview →

Growth & profitability

  • Free cash flow has grown 6.8% per year over the past 5 years.

Shareholder returns

  • Dividends have been paid for 15 consecutive years, consuming 69.5% of earnings and 54.1% of free cash flow.
  • The dividend has grown 2.4% per year over the past 5 years.
Revenue & net income
$0 $15M $31M 2011 2013 2015 2017 2019 2021 2023 2025
RevenueNet income
Margins (gross / operating / net)
0% 50% 100% 2011 2013 2015 2017 2019 2021 2023 2025
GrossOperatingNet
Free cash flow (CFO − capex)
$0 $18M $36M 2011 2013 2015 2017 2019 2021 2023 2025
Free cash flow
Cash vs total debt
$0 $65M $130M 2011 2013 2015 2017 2019 2021 2023 2025
CashTotal debt
Cash flow: operating / investing / financing
-$235M -$41M $152M $0 2011 2013 2015 2017 2019 2021 2023 2025
OperatingInvestingFinancing

Key annual figures

FYRevenueNet incomeGross MOp MFCFTotal debtCash
2025 $23M $30M $46M
2024 $26M $31M $126M
2023 $24M $31M $57M
2022 $27M $31M $55M
2021 $31M $33M $105M
2020 $19M $22M $102M
2019 $20M $20M $35M
2018 $22M $25M $49M $37M
2017 $13M $18M $71M $40M
2016 $16M $17M $65M $29M
2015 $16M $19M $92M $33M
2014 $17M $21M $79M $32M
2013 $19M $30M $97M $39M
2012 $23M $26M $89M $55M
2011 $23M $36M $130M $57M

Valuation over time

How the market has priced CZNC against its own fundamentals since 2023-03 — each month-end's share price set against the most recent annual filing, so the multiple moves as price runs ahead of (or behind) earnings. Split-adjusted.

Price / earnings (P/E)
0.0 8.7 17.5 Mar '23 Aug '23 Jan '24 Jun '24 Nov '24 Apr '25 Sep '25 Feb '26
P/E
Dividend yield (%)
0.0 2.5 5.0 Mar '23 Aug '23 Jan '24 Jun '24 Nov '24 Apr '25 Sep '25 Feb '26
Dividend yield %

Frequently asked questions

Is CZNC growing its revenue and profit?

See the revenue and net-income charts above for CITIZENS & NORTHERN CORP's multi-year trend.

How much debt does CZNC have?

As of FY2025, CITIZENS & NORTHERN CORP reported — of total debt against $46M of cash.

What is CZNC's profit margin?

In FY2025, gross margin was —, operating margin —, and net margin —.

What is CZNC's P/E ratio?

As of Jun '26, CITIZENS & NORTHERN CORP traded at a price-to-earnings ratio of about 17.2× (market cap ÷ latest annual net income). The valuation charts above show how its P/E and dividend yield have moved with the share price. These are computed facts, not advice.

Where does this data come from?

All figures are extracted from the company’s SEC EDGAR/XBRL filings — 10-K annual reports and 10-Q quarterly reports (use the Annual / Quarterly toggle). Quarterly figures are derived from the as-filed statements (year-to-date amounts are differenced into discrete quarters). Growth rates and ratios are computed by tradmap; nothing here is investment advice.

Source: SEC EDGAR / XBRL (10-K + 10-Q filings) · prices EOD (Databento), corporate-action-adjusted · growth rates, valuation multiples & ratios computed by tradmap. Valuation uses each month-end price against the latest annual filing. Informational only — not investment advice.