CZNC
Citizens & Northern Corp
NASDAQ: CZNC · FINANCIAL SERVICES · BANKS - REGIONAL
$22.08
-4.00% today
Updated 2026-04-30
Market cap
$416.23M
P/E ratio
15.92
P/S ratio
3.57x
EPS (TTM)
$1.46
Dividend yield
4.84%
52W range
$17 – $24
Volume
0.0M
Citizens & Northern Corp (CZNC) Financial statements
SEC filings — annual and quarterly data.
Income statement — annual
| Item | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $44.80M | $80.79M | $87.12M | $82.52M | $76.78M | $77.29M | $74.56M | $66.06M | $61.61M | $61.87M | $59.63M | $60.99M | $69.65M | $82.97M | $100.44M | $108.95M | $115.48M | $136.24M | $155.47M | $154.19M |
| Revenue growth (YoY) | — | +80.3% | +7.8% | -5.3% | -7.0% | +0.7% | -3.5% | -11.4% | -6.7% | +0.4% | -3.6% | +2.3% | +14.2% | +19.1% | +21.1% | +8.5% | +6.0% | +18.0% | +14.1% | -0.8% |
| Cost of revenue | $31.45M | $34.44M | $31.96M | $25.14M | $20.44M | $13.27M | $9.32M | $7.81M | $5.60M | $5.45M | $4.91M | $4.72M | $5.21M | $11.13M | $13.51M | $10.22M | $16.77M | $33.29M | $51.16M | $53.44M |
| Gross profit | $13.36M | $46.35M | $55.16M | $57.38M | $56.34M | $64.02M | $65.24M | $58.25M | $56.01M | $56.42M | $54.72M | $56.27M | $64.44M | $71.84M | $86.93M | $98.73M | $98.70M | $102.95M | $104.31M | $100.75M |
| Gross margin | 29.8% | 57.4% | 63.3% | 69.5% | 73.4% | 82.8% | 87.5% | 88.2% | 90.9% | 91.2% | 91.8% | 92.3% | 92.5% | 86.6% | 86.6% | 90.6% | 85.5% | 75.6% | 67.1% | 65.3% |
| R&D | — | — | — | — | — | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | — | — | — | — | — | — | — |
| SG&A | $17.98M | $18.51M | $19.93M | $17.96M | $18.35M | $19.81M | $20.39M | $19.80M | $21.27M | $20.58M | $21.60M | $22.45M | $23.90M | $27.90M | $33.06M | $37.60M | $41.83M | $44.20M | $44.93M | $53.25M |
| Operating income | $14.76M | $13.07M | $12.38M | $-61.99M | $24.86M | $32.08M | $31.13M | $24.78M | $22.78M | $21.81M | $21.11M | $20.59M | $26.26M | $23.41M | $23.21M | $37.69M | $32.35M | $30.48M | $31.87M | $28.64M |
| Operating margin | 32.9% | 16.2% | 14.2% | -75.1% | 32.4% | 41.5% | 41.8% | 37.5% | 37.0% | 35.2% | 35.4% | 33.8% | 37.7% | 28.2% | 23.1% | 34.6% | 28.0% | 22.4% | 20.5% | 18.6% |
| EBITDA | $17.49M | $16.36M | $15.81M | $-58.85M | $27.38M | $34.34M | $33.14M | $26.85M | $24.75M | $23.70M | $22.70M | $22.23M | $28.02M | $25.16M | $25.19M | $39.82M | $34.74M | $32.63M | $34.05M | $28.64M |
| EBITDA margin | 39.0% | 20.2% | 18.2% | -71.3% | 35.7% | 44.4% | 44.5% | 40.6% | 40.2% | 38.3% | 38.1% | 36.4% | 40.2% | 30.3% | 25.1% | 36.5% | 30.1% | 24.0% | 21.9% | 18.6% |
| EBIT | $14.76M | $13.07M | $12.38M | $-61.99M | $24.86M | $32.08M | $31.13M | $24.78M | $22.78M | $21.81M | $21.11M | $20.59M | $26.26M | $23.41M | $23.21M | $37.69M | $32.35M | $30.48M | $31.87M | — |
| Interest expense | $30.77M | $33.91M | $31.05M | $24.46M | $19.25M | $13.56M | $9.03M | $5.76M | $5.12M | $4.60M | $3.69M | $3.92M | $4.63M | $10.28M | $9.60M | $6.56M | $9.52M | $33.10M | $48.96M | $47.36M |
| Income tax | $2.77M | $2.64M | $2.32M | $-22.66M | $5.80M | $8.71M | $8.43M | $6.18M | $5.69M | $5.34M | $5.35M | $7.16M | $4.25M | $3.90M | $3.99M | $7.13M | $5.73M | $6.33M | $5.91M | $5.22M |
| Effective tax rate | 18.8% | 20.2% | 18.7% | 36.5% | 23.3% | 27.2% | 27.1% | 25.0% | 25.0% | 24.5% | 25.3% | 34.8% | 16.2% | 16.7% | 17.2% | 18.9% | 17.7% | 20.8% | 18.6% | 18.2% |
| Net income | $11.99M | $10.42M | $10.06M | $-39.34M | $19.05M | $23.37M | $22.70M | $18.59M | $17.09M | $16.47M | $15.76M | $13.43M | $22.01M | $19.50M | $19.22M | $30.55M | $26.62M | $24.15M | $25.96M | $23.43M |
| Net income growth (YoY) | — | -13.0% | -3.5% | -491.0% | +148.4% | +22.6% | -2.8% | -18.1% | -8.1% | -3.6% | -4.3% | -14.8% | +63.9% | -11.4% | -1.4% | +59.0% | -12.9% | -9.3% | +7.5% | -9.8% |
| Profit margin | 26.8% | 12.9% | 11.5% | -47.7% | 24.8% | 30.2% | 30.5% | 28.1% | 27.7% | 26.6% | 26.4% | 22.0% | 31.6% | 23.5% | 19.1% | 28.0% | 23.1% | 17.7% | 16.7% | 15.2% |