CZNC
CITIZENS & NORTHERN CORP
NASDAQ · Financial Services · Banks - Regional · US
$28.56
+2.22%Income statement
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Revenue | |||||
| Total Revenue | 175.5M | 154.2M | 155.5M | 136.2M | 115.5M |
| Cost of Revenue | 74.6M | 53.4M | 51.2M | 33.3M | 16.8M |
| Gross Profit | 100.9M | 100.8M | 104.3M | 102.9M | 98.7M |
| Operating Expenses | |||||
| R&D Expense | — | — | — | — | — |
| SG&A Expense | 60.6M | 53.2M | 44.9M | 44.2M | 41.8M |
| General & Admin Expense | 60.6M | 53.2M | 44.9M | 44.2M | 41.8M |
| Selling & Marketing Expense | — | — | — | — | — |
| Other Expenses | 14.5M | 18.9M | 27.5M | 28.3M | 24.5M |
| Total Operating Expenses | 75.1M | 72.1M | 72.4M | 72.5M | 66.4M |
| Cost and Expenses | 149.7M | 125.5M | 123.6M | 105.8M | 83.1M |
| Operating Income (EBIT) | 25.8M | 28.6M | 31.9M | 30.5M | 32.4M |
| Non-Operating | |||||
| Interest Income | 83.7M | 139.2M | 128.1M | 113.5M | 92.6M |
| Interest Expense | 49.1M | 47.4M | 49.0M | 33.1M | 9.5M |
| Net Interest Income | 34.6M | 91.9M | 79.1M | 80.4M | 83.1M |
| Other Non-Op Income/Expense | 17.8M | — | — | — | — |
| Non-Operating Income (excl Interest) | (12.1M) | — | — | — | — |
| EBT (Pre-Tax Income) | 43.6M | 28.6M | 31.9M | 30.5M | 32.4M |
| Income Tax Expense | 8.5M | 5.2M | 5.9M | 6.3M | 5.7M |
| Bottom Line | |||||
| Net Income | 35.1M | 23.4M | 26.0M | 24.1M | 26.6M |
| Earnings from Cont. Ops | 35.1M | 23.4M | 26.0M | 24.1M | 26.6M |
| Earnings from Discont. Ops | — | — | — | — | — |
| Bottom Line Net Income | 35.1M | 23.2M | 25.7M | 24.0M | 26.4M |
| Per Share | |||||
| Basic EPS | $1.98 | $1.46 | $1.69 | $1.57 | $1.71 |
| Diluted EPS | $1.98 | $1.46 | $1.69 | $1.57 | $1.71 |
| Revenue Per Share | $9.87 | $9.67 | $10.19 | $8.94 | $7.47 |
| Shares | |||||
| Basic Shares Outstanding | 17.8M | 15.9M | 15.3M | 15.2M | 15.5M |
| Diluted Shares Outstanding | 17.8M | 15.9M | 15.3M | 15.2M | 15.5M |
| Profitability Metrics | |||||
| EBITDA | 39.9M | 31.0M | 34.1M | 32.6M | 34.7M |
| D&A | 2.1M | 2.4M | 2.2M | 2.2M | 2.4M |
| EBIT | 37.9M | 28.6M | 31.9M | 30.5M | 32.4M |
As reported, in the filing currency · TTM sums the four latest quarters; MRQ is the latest quarter · Negatives in parentheses; a dash is a line the filing does not carry · Data as of Sep 1, 2026