Citizens & Northern Corporation (CZNC) — Financial statements
Income statement, balance sheet, and cash flow for Citizens & Northern Corporation — annual and quarterly history with growth and margin analysis.
| Metric (USD Millions) | 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|---|
| Revenue & Gross Profit | ||||||
| Revenue | 154↓0.8% | 155↑14.1% | 136↑18.0% | 115↑6.0% | 109 | |
| Cost of Revenue | 53↑4.5% | 51↑53.7% | 33↑98.5% | 17↑64.1% | 10 | |
| Gross Profit | 101↓3.4% | 104↑1.3% | 103↑4.3% | 99↓0.0% | 99 | |
| Operating Expenses | ||||||
| R&D Expenses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| General & Administrative Expenses | 53↑18.5% | 45↑1.7% | 44↑5.6% | 42↑11.2% | 38 | |
| Selling & Marketing Expenses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| SG&A Expenses | 53↑18.5% | 45↑1.7% | 44↑5.6% | 42↑11.2% | 38 | |
| Other Expenses | 19↓31.4% | 28↓2.7% | 28↑15.3% | 25↑4.6% | 23 | |
| Operating Expenses | 72↓0.5% | 72↓0.0% | 72↑9.2% | 66↑8.7% | 61 | |
| Total Costs & Expenses | 126↑1.6% | 124↑16.9% | 106↑27.2% | 83↑16.7% | 71 | |
| Operating Results | ||||||
| Operating Income | 29↓10.1% | 32↑4.6% | 30↓5.8% | 32↓14.2% | 38 | |
| Depreciation & Amortization | 0.00↓100.0% | 2↑1.5% | 2↓10.0% | 2↑12.2% | 2 | |
| EBITDA | 29↓15.9% | 34↑4.4% | 33↓6.1% | 35↓12.8% | 40 | |
| EBIT | 29↓10.1% | 32↑4.6% | 30↓5.8% | 32↓14.2% | 38 | |
| Interest & Other Income | ||||||
| Net Interest Income | 92↑16.1% | 79↓1.6% | 80↓3.3% | 83↑6.7% | 78 | |
| Interest Income | 139↑8.7% | 128↑12.8% | 114↑22.5% | 93↑9.6% | 85 | |
| Interest Expense | 47↓3.3% | 49↑47.9% | 33↑247.8% | 10↑45.1% | 7 | |
| Non-Operating Income | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Other Income / Expenses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Income Before Tax | 29↓10.1% | 32↑4.6% | 30↓5.8% | 32↓14.2% | 38 | |
| Income Tax Expense | 5↓11.8% | 6↓6.7% | 6↑10.5% | 6↓19.6% | 7 | |
| Net Income & EPS | ||||||
| Net Income from Continuing Operations | 23↓9.8% | 26↑7.5% | 24↓9.3% | 27↓12.9% | 31 | |
| Net Income from Discontinued Operations | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Net Income | 23↓9.8% | 26↑7.5% | 24↓9.3% | 27↓12.9% | 31 | |
| Bottom-Line Net Income | 23↓9.7% | 26↑7.4% | 24↓9.2% | 26↓13.0% | 30 | |
| EPS (Basic) | 1.46↓13.6% | 1.69↑7.6% | 1.57↓8.2% | 1.71↓10.9% | 1.92 | |
| EPS (Diluted) | 1.46↓13.6% | 1.69↑7.6% | 1.57↓8.2% | 1.71↓10.9% | 1.92 | |
| Weighted Average Shares | 16↑4.5% | 15↑0.1% | 15↓1.4% | 15↓2.0% | 16 | |
| Weighted Average Diluted Shares | 16↑4.5% | 15↑0.1% | 15↓1.4% | 15↓2.0% | 16 | |
* All figures in Millions of USD, except per share data. Growth rates calculated Year-over-Year (YoY). Data source: SEC Filings.