Citizens & Northern Corporation (CZNC)
NASDAQ: CZNC · Real-Time Price · USD
20.25
-0.25 (-1.22%)
Dec 5, 2025, 4:00 PM EST - Market closed
Citizens & Northern Income Statement
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Fiscal Year | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | 2019 - 2015 |
|---|---|---|---|---|---|---|---|
Period Ending | Sep '25 Sep 30, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 | Dec '20 Dec 31, 2020 | 2019 - 2015 |
| Interest Income on Loans | 119.61 | 117.23 | 102.52 | 81.29 | 76.7 | 69.48 | Upgrade
|
| Interest Income on Investments | 11.54 | 10.85 | 10.98 | 11.36 | 7.8 | 7.68 | Upgrade
|
| Total Interest Income | 131.14 | 128.08 | 113.5 | 92.65 | 84.5 | 77.16 | Upgrade
|
| Interest Paid on Deposits | 38.92 | 39.2 | 24.23 | 6.64 | 4.54 | 7.23 | Upgrade
|
| Interest Paid on Borrowings | 8.37 | 9.76 | 8.87 | 2.88 | 2.02 | 2.36 | Upgrade
|
| Total Interest Expense | 47.29 | 48.96 | 33.1 | 9.52 | 6.56 | 9.6 | Upgrade
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| Net Interest Income | 83.85 | 79.12 | 80.4 | 83.13 | 77.94 | 67.57 | Upgrade
|
| Net Interest Income Growth (YoY) | 7.18% | -1.60% | -3.28% | 6.66% | 15.35% | 24.00% | Upgrade
|
| Trust Income | 8.2 | 7.93 | 7.41 | 6.99 | 7.23 | 6.32 | Upgrade
|
| Gain (Loss) on Sale of Investments | 0.01 | - | -3.04 | 0.02 | 0.02 | 0.17 | Upgrade
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| Other Non-Interest Income | 14.64 | 14.26 | 13.75 | 11.64 | 10.56 | 8.39 | Upgrade
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| Total Non-Interest Income | 30 | 29.21 | 24.42 | 24.43 | 25.88 | 24.51 | Upgrade
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| Non-Interest Income Growth (YoY) | 9.73% | 19.63% | -0.06% | -5.60% | 5.58% | 26.96% | Upgrade
|
| Revenues Before Loan Losses | 113.85 | 108.32 | 104.82 | 107.56 | 103.82 | 92.08 | Upgrade
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| Provision for Loan Losses | 4.22 | 2.2 | 0.19 | 7.26 | 3.66 | 3.91 | Upgrade
|
| Revenue | 109.63 | 106.13 | 104.63 | 100.31 | 100.16 | 88.17 | Upgrade
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| Revenue Growth (YoY) | 7.59% | 1.43% | 4.31% | 0.15% | 13.60% | 20.86% | Upgrade
|
| Salaries and Employee Benefits | 43.54 | 42.77 | 41.48 | 39.4 | 35.35 | 31.1 | Upgrade
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| Occupancy Expenses | 4.85 | 4.81 | 4.71 | 4.93 | 4.49 | 4.09 | Upgrade
|
| Selling, General & Administrative | 12.62 | 12.77 | 13.44 | 11.84 | 10.89 | 9.34 | Upgrade
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| Other Non-Interest Expense | 14.21 | 13.91 | 14.52 | 11.78 | 11.74 | 11.08 | Upgrade
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| Total Non-Interest Expense | 75.21 | 74.26 | 74.15 | 67.96 | 62.47 | 55.61 | Upgrade
|
| EBT Excluding Unusual Items | 34.42 | 31.87 | 30.48 | 32.35 | 37.69 | 32.56 | Upgrade
|
| Other Unusual Items | - | - | - | - | - | -1.64 | Upgrade
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| Pretax Income | 33.37 | 31.87 | 30.48 | 32.35 | 37.69 | 23.21 | Upgrade
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| Income Tax Expense | 6.24 | 5.91 | 6.34 | 5.73 | 7.13 | 3.99 | Upgrade
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| Net Income | 27.14 | 25.96 | 24.15 | 26.62 | 30.55 | 19.22 | Upgrade
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| Preferred Dividends & Other Adjustments | 0.22 | 0.21 | 0.19 | 0.24 | 0.24 | 0.12 | Upgrade
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| Net Income to Common | 26.91 | 25.75 | 23.96 | 26.38 | 30.31 | 19.11 | Upgrade
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| Net Income Growth | 23.09% | 7.50% | -9.28% | -12.88% | 58.95% | -1.45% | Upgrade
|
| Basic Shares Outstanding | 15 | 15 | 15 | 15 | 16 | 15 | Upgrade
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| Diluted Shares Outstanding | 15 | 15 | 15 | 15 | 16 | 15 | Upgrade
|
| Shares Change (YoY) | 0.77% | 0.14% | -1.40% | -1.99% | 6.95% | 10.70% | Upgrade
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| EPS (Basic) | 1.75 | 1.69 | 1.57 | 1.71 | 1.92 | 1.30 | Upgrade
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| EPS (Diluted) | 1.75 | 1.69 | 1.57 | 1.71 | 1.92 | 1.30 | Upgrade
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| EPS Growth | 22.09% | 7.45% | -8.02% | -11.10% | 48.16% | -11.18% | Upgrade
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| Dividend Per Share | 1.120 | 1.120 | 1.120 | 1.120 | 1.120 | 1.080 | Upgrade
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| Dividend Growth | - | - | - | - | 3.70% | - | Upgrade
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| Effective Tax Rate | 18.69% | 18.55% | 20.78% | 17.72% | 18.93% | 17.19% | Upgrade
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Source: S&P Capital IQ. Banks template. Financial Sources.