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.
Cash flow — annual
| Item | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $10.13M | $9.95M | $18.12M | $12.97M | $35.05M | $37.46M | $27.65M | $30.57M | $22.28M | $19.69M | $18.51M | $19.37M | $25.89M | $22.46M | $24.78M | $34.84M | $34.60M | $33.55M | $33.03M | $32.00M |
| Capital expenditures | $3.52M | $2.42M | $998000.00 | $1.25M | $707000.00 | $998000.00 | $1.62M | $801000.00 | $801000.00 | $1.04M | $1.58M | $1.70M | $1.17M | $2.87M | $3.14M | $1.86M | $3.29M | $2.27M | $1.91M | $1.91M |
| Depreciation | $2.74M | $3.29M | $3.44M | $3.14M | $2.53M | $2.26M | $2.01M | $2.07M | $1.98M | $1.89M | $1.60M | $1.64M | $1.75M | $1.75M | $1.98M | $2.13M | $2.39M | $2.15M | $2.18M | — |
| Stock-based comp | $106000.00 | $255000.00 | $294000.00 | $286000.00 | $67000.00 | $423000.00 | $567000.00 | $696000.00 | $565000.00 | $606000.00 | $582000.00 | $628000.00 | $855000.00 | $798000.00 | $1.05M | $1.21M | $1.26M | $1.47M | $1.49M | $1.29M |
| Free cash flow | $6.61M | $7.53M | $17.12M | $11.71M | $34.34M | $36.47M | $26.03M | $29.77M | $21.48M | $18.65M | $16.93M | $17.68M | $24.73M | $19.59M | $21.65M | $32.98M | $31.31M | $31.28M | $31.13M | $30.10M |
| Investing cash flow | $35.82M | $-22.57M | $-27.26M | $-628000.00 | $-57.88M | $2.92M | $34.64M | $8.88M | $-9.49M | $18.41M | $-29.40M | $-30.91M | $-21.65M | $22.67M | $96.58M | $-103.89M | $-234.69M | $-53.20M | $-20.94M | — |
| Financing cash flow | $-45.24M | $17.13M | $1.51M | $55.70M | $-22.93M | $-29.87M | $-64.09M | $-55.88M | $-19.77M | $-36.40M | $6.20M | $19.91M | $-8.42M | $-46.83M | $-56.47M | $68.88M | $151.94M | $24.73M | $58.70M | — |
| Dividends paid | $7.95M | $8.25M | $7.68M | $8.41M | $5.25M | $6.23M | $9.06M | $10.92M | $11.39M | $11.24M | $11.11M | $11.14M | $11.75M | $14.04M | $14.47M | $15.98M | $15.87M | $15.57M | $15.53M | $16.29M |
| Share repurchases | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Debt repayment | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Net change in cash | — | — | — | — | — | $10.51M | $-1.80M | $-16.43M | $-6.97M | $1.69M | $-4.69M | $8.38M | $-4.18M | $-1.71M | $64.89M | $-169000.00 | $-48.15M | — | — | — |