Citizens & Northern Corporation (CZNC) Financials

CZNC Assets vs Liabilities
DateAssetsLiabilities
March 31, 2026 3.2 billion 2.8 billion
Dec. 31, 2025 3.1 billion 2.8 billion
Sept. 30, 2025 2.7 billion 2.4 billion
June 30, 2025 2.6 billion 2.3 billion

CZNC Free Cash Flow and Stock based compensation
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DateFree Cash FlowStock based compensation
March 31, 2026 8.5 million 313000
Dec. 31, 2025 9.0 million 294000
Sept. 30, 2025 10.9 million 337000
June 30, 2025 8.0 million 331000

CZNC Net Income
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DateNet Income
March 31, 2026 273000
Dec. 31, 2025 4.5 million
Sept. 30, 2025 6.6 million
June 30, 2025 6.1 million

CZNC Cash and Debt
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DateCashDebtCapital Lease
March 31, 2026 53.4 million 139.9 million -
Dec. 31, 2025 337.4 million 148.5 million 2.9 million
Sept. 30, 2025 333.2 million 172.8 million -
June 30, 2025 343.3 million 183.7 million -

CZNC Shares Outstanding
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DateShares Outstanding
March 31, 2026 17.7 million
Dec. 31, 2025 17.7 million
Sept. 30, 2025 15.4 million
June 30, 2025 15.4 million

CZNC Expenses
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DateCapexR&DG&AS&M
March 31, 2026 188000 - 15.1 million -
Dec. 31, 2025 1.6 million - 14.9 million -
Sept. 30, 2025 426000 - 11.3 million -
June 30, 2025 485000 - 11.1 million -

CZNC Cost of Revenue
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DateRevenueCost of Revenue
March 31, 2026 48.8 million 25.7 million
Dec. 31, 2025 36.0 million 14.3 million
Sept. 30, 2025 40.4 million 13.6 million
June 30, 2025 40.2 million 13.7 million

CZNC Revenue by Segment
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CZNC

Price: $21.73

52 week price:
18.02
24.12

Dividend Yield: 5.46%

5-year range yield:
4.72%
6.50%

Forward Dividend Yield: 5.15%

Payout Ratio: 74.17%

Payout Ratio Range:
-27.17%
177.47%

Dividend Per Share: 1.12 USD

Earnings Per Share: 1.07 USD

P/E Ratio: 19.16

Exchange: NCM

Sector: Financial Services

Industry: Banks - Regional

Country: United States

Volume: 23500

Market Capitalization: 367.3 million

Average Dividend Frequency: 4

Years Paying Dividends: 34

DGR5: 0.74%

DGR10: 0.75%

DGR20: 2.42%

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