Citizens & Northern CorporationCZNCNASDAQ

Revenue (LTM)

$154M

-0.8% YoY

Net Income (LTM)

$23M

-9.8% YoY

Free Cash Flow

$28M

Revenue CAGR (5Y)

+9.0%

Marginsdeclining

FCF$0.0B

Profitable

Metric	Dec 21	Dec 22	Dec 23	Dec 24	Dec 25
Revenue	109	115↑6.0%	136↑18.0%	155↑14.1%	154↓0.8%
Gross Profit	99	99↓0.0%	103↑4.3%	104↑1.3%	101↓3.4%
Operating Income	38	32↓14.2%	30↓5.8%	32↑4.6%	29↓10.1%
Net Income	31	27↓12.9%	24↓9.3%	26↑7.5%	23↓9.8%
EBITDA	40	35↓12.8%	33↓6.1%	34↑4.4%	29↓15.9%
EPS Diluted	1.92	1.71↓10.9%	1.57↓8.2%	1.69↑7.6%	1.46↓13.6%

Metric	Dec 21	Dec 22	Dec 23	Dec 24	Dec 25
Cash & Equivalents	105	55↓47.5%	57↑3.3%	126↑121.8%	46↓63.5%
Total Current Assets	630	562↓10.8%	482↓14.2%	357↓25.8%	46↓87.1%
Total Assets	2,328	2,454↑5.4%	2,516↑2.5%	2,611↑3.8%	3,132↑20.0%
Total Current Liabilities	1,950	2,142↑9.8%	2,049↓4.4%	2,096↑2.3%	42↓98.0%
Total Liabilities	2,026	2,205↑8.8%	2,253↑2.2%	2,335↑3.6%	2,791↑19.5%
Total Equity	301	249↓17.3%	262↑5.2%	275↑4.9%	342↑24.1%
Total Debt	78	182↑134.4%	212↑16.5%	208↓1.9%	193↓7.0%
Net Debt	-27	127↑562.6%	155↑22.2%	81↓47.4%	147↑80.4%

Metric	Dec 21	Dec 22	Dec 23	Dec 24	Dec 25
Operating Cash Flow	35	35↓0.7%	34↓3.0%	33↓1.5%	32↓3.1%
Capital Expenditure	-2	-3↓76.4%	-2↑31.1%	-2↑15.8%	-2↑0.1%
Free Cash Flow	33	31↓5.1%	31↓0.1%	31↓0.5%	28↓9.6%
Stock-Based Comp	1	1↑3.8%	1↑16.8%	1↑1.5%	0
Net Change in Cash	-0	-48↓28391.1%	5↑110.6%	71↑1293.6%	-79↓211.4%

Values in millions except EPS · Ratios shown as percentages · Click any metric to drill down

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