CZNC
NASDAQ · Banking
Citizens & Northern Corp
$28.02
-0.13 (-0.46%)
Financial Highlights (FY 2026)
Revenue
123.54M
Net Income
26.08M
Gross Margin
—
Profit Margin
24.8%
Rev Growth
+12.7%
D/E Ratio
0.12
Revenue & Net Income
Margin Trends
| FY 2026 | FY 2025 | FY 2024 | FY 2023 | |
|---|---|---|---|---|
| Gross Margin | — | — | 31.7% | 31.7% |
| Operating Margin | 30.1% | 27.1% | 34.4% | 30.4% |
| Profit Margin | 24.8% | 23.5% | 29.0% | 27.8% |
Income Statement
| FY 2026 | FY 2025 | FY 2024 | FY 2023 | |
|---|---|---|---|---|
| Revenue | 123.54M | 109.65M | 106.36M | 95.33M |
| Gross Profit | — | — | 33.74M | 30.24M |
| Operating Income | 37.16M | 29.68M | 36.64M | 28.99M |
| Net Income | 26.08M | 20.83M | 30.87M | 26.47M |
| Gross Margin | — | — | 31.7% | 31.7% |
| Operating Margin | 30.1% | 27.1% | 34.4% | 30.4% |
| Profit Margin | 24.8% | 23.5% | 29.0% | 27.8% |
| Rev Growth | +12.7% | +12.7% | +21.9% | +23.2% |
Balance Sheet
| FY 2026 | FY 2025 | FY 2024 | FY 2023 | |
|---|---|---|---|---|
| Total Debt | 27.49M | 27.49M | 165.80M | 166.66M |
| Total Equity | 226.06M | 226.06M | 175.67M | 196.90M |
| D/E Ratio | 0.12 | 0.12 | 0.94 | 0.85 |
Cash Flow
| FY 2026 | FY 2025 | FY 2024 | FY 2023 | |
|---|---|---|---|---|
| EBITDA | 51.75M | 43.64M | 51.87M | 48.69M |
| Free Cash Flow | — | — | 20.80M | 21.06M |