Citizens & Northern Corporation (CZNC)
NASDAQ: CZNC · Real-Time Price · USD
23.65
+0.41 (1.76%)
Apr 28, 2026, 4:00 PM EDT - Market closed
Citizens & Northern Income Statement
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | 2020 - 2016 |
|---|---|---|---|---|---|---|
Period Ending | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 | 2020 - 2016 |
| Interest Income on Loans | 126.51 | 117.23 | 102.52 | 81.29 | 76.7 | Upgrade
|
| Interest Income on Investments | 12.71 | 10.85 | 10.98 | 11.36 | 7.8 | Upgrade
|
| Total Interest Income | 139.22 | 128.08 | 113.5 | 92.65 | 84.5 | Upgrade
|
| Interest Paid on Deposits | 39.48 | 39.2 | 24.23 | 6.64 | 4.54 | Upgrade
|
| Interest Paid on Borrowings | 7.89 | 9.76 | 8.87 | 2.88 | 2.02 | Upgrade
|
| Total Interest Expense | 47.36 | 48.96 | 33.1 | 9.52 | 6.56 | Upgrade
|
| Net Interest Income | 91.85 | 79.12 | 80.4 | 83.13 | 77.94 | Upgrade
|
| Net Interest Income Growth (YoY) | 16.10% | -1.60% | -3.28% | 6.66% | 15.35% | Upgrade
|
| Trust Income | 8.21 | 7.93 | 7.41 | 6.99 | 7.23 | Upgrade
|
| Gain (Loss) on Sale of Investments | 0.04 | - | -3.04 | 0.02 | 0.02 | Upgrade
|
| Other Non-Interest Income | 15.14 | 14.26 | 13.75 | 11.64 | 10.56 | Upgrade
|
| Total Non-Interest Income | 30.85 | 29.21 | 24.42 | 24.43 | 25.88 | Upgrade
|
| Non-Interest Income Growth (YoY) | 5.63% | 19.63% | -0.06% | -5.60% | 5.58% | Upgrade
|
| Revenues Before Loan Losses | 122.71 | 108.32 | 104.82 | 107.56 | 103.82 | Upgrade
|
| Provision for Loan Losses | 6.07 | 2.2 | 0.19 | 7.26 | 3.66 | Upgrade
|
| Revenue | 116.63 | 106.13 | 104.63 | 100.31 | 100.16 | Upgrade
|
| Revenue Growth (YoY) | 9.90% | 1.43% | 4.31% | 0.15% | 13.60% | Upgrade
|
| Salaries and Employee Benefits | 45.37 | 42.77 | 41.48 | 39.4 | 35.35 | Upgrade
|
| Occupancy Expenses | 5.07 | 4.81 | 4.71 | 4.93 | 4.49 | Upgrade
|
| Selling, General & Administrative | 14.31 | 12.77 | 13.44 | 11.84 | 10.89 | Upgrade
|
| Other Non-Interest Expense | 15.3 | 13.91 | 14.52 | 11.78 | 11.74 | Upgrade
|
| Total Non-Interest Expense | 80.05 | 74.26 | 74.15 | 67.96 | 62.47 | Upgrade
|
| EBT Excluding Unusual Items | 36.58 | 31.87 | 30.48 | 32.35 | 37.69 | Upgrade
|
| Pretax Income | 28.64 | 31.87 | 30.48 | 32.35 | 37.69 | Upgrade
|
| Income Tax Expense | 5.22 | 5.91 | 6.34 | 5.73 | 7.13 | Upgrade
|
| Net Income | 23.43 | 25.96 | 24.15 | 26.62 | 30.55 | Upgrade
|
| Preferred Dividends & Other Adjustments | 0.18 | 0.21 | 0.19 | 0.24 | 0.24 | Upgrade
|
| Net Income to Common | 23.25 | 25.75 | 23.96 | 26.38 | 30.31 | Upgrade
|
| Net Income Growth | -9.75% | 7.50% | -9.28% | -12.88% | 58.95% | Upgrade
|
| Basic Shares Outstanding | 16 | 15 | 15 | 15 | 16 | Upgrade
|
| Diluted Shares Outstanding | 16 | 15 | 15 | 15 | 16 | Upgrade
|
| Shares Change (YoY) | 4.50% | 0.14% | -1.40% | -1.99% | 6.95% | Upgrade
|
| EPS (Basic) | 1.46 | 1.69 | 1.57 | 1.71 | 1.92 | Upgrade
|
| EPS (Diluted) | 1.46 | 1.69 | 1.57 | 1.71 | 1.92 | Upgrade
|
| EPS Growth | -13.61% | 7.45% | -8.02% | -11.10% | 48.16% | Upgrade
|
| Dividend Per Share | 1.120 | 1.120 | 1.120 | 1.120 | 1.120 | Upgrade
|
| Dividend Growth | - | - | - | - | 3.70% | Upgrade
|
| Effective Tax Rate | 18.21% | 18.55% | 20.78% | 17.72% | 18.93% | Upgrade
|
Source: S&P Capital IQ. Banks template. Financial Sources.