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Citizens & Northern Corp
NASDAQ:CZNC

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Citizens & Northern Corp
NASDAQ:CZNC
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Price: 21.73 USD 0.3% Market Closed
Market Cap: $387.2m
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Financials Section:
Income Statement Balance Sheet Cash Flow Statement

Income Statement

Net Interest Income
+
3Y
+4%
5Y
+35%
10Y
+109%
Non Interest Income
+
3Y
+21%
5Y
+30%
10Y
+81%
Net Income
+
3Y
+4%
5Y
+51%
10Y
+60%

Income Statement
Citizens & Northern Corp

Rotate your device to view
Income Statement
Currency: USD
Dec-2001 Mar-2002 Jun-2002 Sep-2002 Dec-2002 Mar-2003 Jun-2003 Sep-2003 Dec-2003 Mar-2004 Jun-2004 Sep-2004 Dec-2004 Mar-2005 Jun-2005 Sep-2005 Dec-2005 Mar-2006 Jun-2006 Sep-2006 Dec-2006 Mar-2007 Jun-2007 Sep-2007 Dec-2007 Mar-2008 Jun-2008 Sep-2008 Dec-2008 Mar-2009 Jun-2009 Sep-2009 Dec-2009 Mar-2010 Jun-2010 Sep-2010 Dec-2010 Mar-2011 Jun-2011 Sep-2011 Dec-2011 Mar-2012 Jun-2012 Sep-2012 Dec-2012 Mar-2013 Jun-2013 Sep-2013 Dec-2013 Mar-2014 Jun-2014 Sep-2014 Dec-2014 Mar-2015 Jun-2015 Sep-2015 Dec-2015 Mar-2016 Jun-2016 Sep-2016 Dec-2016 Mar-2017 Jun-2017 Sep-2017 Dec-2017 Mar-2018 Jun-2018 Sep-2018 Dec-2018 Mar-2019 Jun-2019 Sep-2019 Dec-2019 Mar-2020 Jun-2020 Sep-2020 Dec-2020 Mar-2021 Jun-2021 Sep-2021 Dec-2021 Mar-2022 Jun-2022 Sep-2022 Dec-2022 Mar-2023 Jun-2023 Sep-2023 Dec-2023 Mar-2024 Jun-2024 Sep-2024 Dec-2024 Mar-2025 Jun-2025 Sep-2025
Revenue
Net Interest Income
26
28
29
30
31
31
31
31
32
32
33
34
35
36
36
36
35
35
35
34
34
33
34
35
36
38
40
41
43
44
45
44
44
43
42
42
43
44
45
47
48
49
49
48
48
46
45
44
43
42
42
41
41
41
40
40
40
40
40
40
40
41
41
41
42
43
44
45
46
47
49
52
55
57
57
62
68
73
78
78
78
78
79
81
83
84
84
83
80
79
78
78
79
80
82
84
Interest Income
55
55
56
57
57
58
57
56
55
55
56
57
58
59
59
60
61
62
63
64
65
65
67
68
70
73
73
74
74
73
72
70
68
66
64
63
62
62
62
62
61
61
60
58
57
55
52
51
49
48
47
46
46
46
45
45
45
44
44
44
44
44
45
45
46
47
48
49
50
52
56
61
65
69
68
73
77
82
86
85
85
85
85
88
93
97
104
109
114
118
121
125
128
129
131
131
Interest Expense
28
27
27
26
26
26
26
25
24
23
22
22
23
23
24
24
26
27
28
30
31
32
33
33
34
35
34
33
31
29
27
26
24
23
22
21
19
18
17
15
14
12
11
10
9
8
7
6
6
5
5
5
5
5
5
5
5
4
4
4
4
4
4
4
4
4
4
4
5
5
7
9
10
12
11
11
10
9
8
7
7
6
6
7
10
13
19
26
33
39
43
47
49
49
49
47
Non Interest Income
8
9
9
9
10
10
10
10
11
11
10
10
10
10
11
11
11
12
12
13
13
14
12
11
11
11
12
7
4
(14)
(32)
(75)
(71)
(54)
(34)
14
15
15
16
16
16
15
16
19
19
20
20
18
18
17
17
17
17
16
17
17
18
19
18
18
17
17
17
16
16
17
19
20
21
21
19
19
19
20
21
23
25
26
27
26
26
25
25
25
24
24
24
25
24
25
27
27
29
30
30
30
Revenue
34
N/A
37
+8%
39
+4%
40
+3%
41
+2%
41
+2%
41
+0%
41
+0%
43
+4%
43
0%
44
+1%
44
+2%
45
+2%
46
+1%
46
+1%
47
+1%
47
-1%
47
+1%
47
+0%
48
+1%
47
-1%
47
-1%
46
-3%
46
+0%
47
+2%
49
+4%
51
+5%
49
-5%
47
-3%
30
-35%
13
-58%
(31)
N/A
(27)
+11%
(11)
+61%
8
N/A
57
+602%
58
+2%
59
+3%
61
+3%
62
+2%
64
+2%
64
+0%
65
+1%
67
+3%
67
0%
67
+0%
65
-2%
62
-5%
61
-2%
59
-3%
58
-1%
58
0%
57
-1%
57
-1%
58
+1%
57
-2%
58
+3%
59
+1%
58
-1%
59
+1%
57
-3%
57
+0%
58
+1%
58
+0%
58
+1%
60
+2%
62
+5%
64
+3%
66
+3%
67
+1%
69
+2%
71
+4%
74
+3%
77
+5%
78
+1%
85
+9%
92
+8%
100
+8%
105
+5%
104
0%
104
0%
103
-1%
105
+1%
105
+1%
108
+2%
108
+0%
108
+0%
108
0%
105
-3%
104
-1%
104
+0%
106
+1%
108
+3%
110
+1%
112
+2%
114
+2%
Pre-Tax Income
Loan Loss Provision
(1)
(1)
(1)
(1)
(1)
(1)
(1)
(1)
(1)
(1)
(1)
(1)
(1)
(1)
(1)
(1)
(2)
(2)
(2)
(1)
(1)
(0)
(1)
(0)
(1)
(1)
(1)
(1)
(1)
0
(0)
(1)
(1)
(1)
(1)
(1)
(1)
(1)
(1)
(1)
0
0
(0)
(0)
(0)
(1)
(0)
(0)
(2)
(2)
(2)
(2)
(1)
(1)
(1)
(1)
(1)
(1)
(1)
(2)
(1)
(1)
(1)
(1)
(1)
(1)
(1)
(0)
(1)
1
1
(0)
(1)
(3)
(3)
(4)
(4)
(3)
(4)
(3)
(4)
(4)
(4)
(6)
(7)
(6)
(7)
(1)
(0)
(1)
(1)
(4)
(2)
(1)
(3)
(4)
Non Interest Expense
(19)
(19)
(20)
(21)
(21)
(21)
(21)
(21)
(22)
(23)
(24)
(25)
(26)
(27)
(28)
(28)
(29)
(30)
(30)
(31)
(32)
(32)
(32)
(33)
(33)
(34)
(34)
(34)
(34)
(34)
(35)
(34)
(34)
(33)
(32)
(31)
(32)
(32)
(32)
(32)
(32)
(32)
(33)
(35)
(35)
(36)
(36)
(35)
(35)
(33)
(33)
(34)
(34)
(34)
(35)
(34)
(36)
(36)
(36)
(36)
(35)
(35)
(36)
(36)
(37)
(38)
(38)
(39)
(40)
(41)
(46)
(47)
(50)
(52)
(50)
(60)
(65)
(68)
(70)
(64)
(63)
(64)
(65)
(67)
(68)
(70)
(72)
(72)
(74)
(73)
(74)
(74)
(74)
(75)
(75)
(76)
Pre-Tax Income
15
N/A
17
+14%
18
+4%
18
+1%
19
+3%
19
+1%
19
0%
19
+1%
20
+5%
19
-4%
19
-2%
18
-4%
18
-1%
17
-2%
17
-2%
17
+1%
16
-8%
15
-5%
15
0%
15
+2%
15
-3%
15
-2%
13
-12%
12
-5%
13
+8%
14
+8%
17
+20%
14
-17%
12
-12%
(3)
N/A
(22)
-619%
(66)
-196%
(62)
+6%
(45)
+28%
(25)
+45%
25
N/A
25
+1%
27
+7%
28
+6%
30
+6%
32
+7%
32
+0%
32
0%
31
-2%
31
-1%
30
-4%
29
-4%
27
-4%
25
-9%
24
-3%
23
-5%
23
-3%
23
+1%
22
-3%
22
+1%
22
0%
22
-2%
21
-2%
21
-3%
21
0%
21
+2%
21
-1%
21
+2%
21
-2%
21
-1%
21
+3%
24
+11%
25
+6%
26
+5%
27
+3%
24
-13%
24
-1%
23
0%
22
-5%
25
+11%
22
-13%
23
+8%
29
+26%
31
+7%
37
+18%
38
+2%
35
-7%
35
+1%
32
-10%
32
+2%
32
-2%
30
-5%
34
+14%
30
-11%
29
-4%
29
+0%
28
-6%
32
+15%
33
+4%
33
+0%
33
+1%
Net Income
Tax Provision
(3)
(4)
(4)
(4)
(4)
(4)
(3)
(3)
(4)
(3)
(3)
(3)
(3)
(3)
(3)
(3)
(3)
(3)
(3)
(3)
(3)
(3)
(2)
(2)
(3)
(3)
(4)
(3)
(2)
3
10
24
23
17
10
(6)
(6)
(6)
(7)
(8)
(9)
(9)
(9)
(9)
(8)
(8)
(7)
(7)
(6)
(6)
(6)
(6)
(6)
(6)
(6)
(6)
(5)
(5)
(5)
(5)
(5)
(5)
(5)
(5)
(5)
(5)
(5)
(5)
(4)
(4)
(4)
(4)
(4)
(4)
(4)
(4)
(4)
(5)
(6)
(7)
(7)
(7)
(6)
(6)
(6)
(6)
(5)
(6)
(6)
(6)
(6)
(6)
(6)
(6)
(6)
(6)
Income from Continuing Operations
12
14
14
15
15
15
15
16
16
16
16
15
15
14
14
14
13
13
12
12
12
12
10
10
10
11
13
11
10
(0)
(13)
(42)
(39)
(28)
(14)
19
19
20
21
22
23
23
23
23
23
22
21
20
19
18
17
17
17
17
17
17
17
16
16
16
16
16
16
16
16
17
19
20
22
23
20
20
20
19
20
18
19
24
25
30
31
29
29
26
27
26
25
28
24
23
23
22
26
27
27
27
Net Income (Common)
12
N/A
14
+13%
14
+5%
15
+2%
15
+3%
15
+1%
15
+1%
16
+1%
16
+5%
16
-2%
16
-1%
15
-3%
15
-2%
14
-3%
14
-3%
14
-1%
13
-7%
13
-4%
12
-1%
12
0%
12
-3%
12
-3%
10
-11%
10
-4%
10
+5%
11
+7%
13
+16%
11
-14%
10
-9%
(0)
N/A
(13)
-3 295%
(43)
-223%
(41)
+5%
(29)
+28%
(16)
+46%
17
N/A
18
+4%
19
+8%
20
+6%
22
+9%
23
+6%
23
+0%
23
0%
23
-2%
23
-1%
22
-4%
21
-3%
20
-4%
19
-8%
18
-2%
17
-4%
17
-2%
17
+1%
17
-3%
17
+1%
17
0%
17
-2%
16
-2%
16
-3%
16
-1%
16
+1%
16
-1%
16
+1%
16
-1%
13
-14%
14
+7%
17
+16%
18
+10%
22
+20%
23
+3%
20
-12%
20
-1%
19
-1%
18
-5%
20
+10%
18
-12%
19
+7%
24
+24%
25
+7%
30
+18%
30
+2%
28
-6%
29
+1%
26
-10%
26
+2%
26
-2%
24
-6%
27
+13%
24
-13%
23
-4%
23
+0%
22
-5%
26
+18%
27
+4%
27
+0%
27
+1%
EPS (Diluted)
1.43
N/A
1.61
+13%
1.68
+4%
1.72
+2%
1.77
+3%
1.8
+2%
1.81
+1%
1.83
+1%
1.92
+5%
1.87
-3%
1.85
-1%
1.79
-3%
1.75
-2%
1.71
-2%
1.66
-3%
1.65
-1%
1.52
-8%
1.48
-3%
1.47
-1%
1.47
N/A
1.42
-3%
1.38
-3%
1.17
-15%
1.1
-6%
1.19
+8%
1.24
+4%
1.44
+16%
1.23
-15%
1.12
-9%
-0.05
N/A
-1.48
-2 860%
-4.78
-223%
-4.4
+8%
-2.42
+45%
-1.29
+47%
1.39
N/A
1.45
+4%
1.57
+8%
1.67
+6%
1.82
+9%
1.92
+5%
1.93
+1%
1.89
-2%
1.86
-2%
1.85
-1%
1.78
-4%
1.71
-4%
1.64
-4%
1.5
-9%
1.46
-3%
1.39
-5%
1.35
-3%
1.38
+2%
1.35
-2%
1.36
+1%
1.37
+1%
1.35
-1%
1.33
-1%
1.29
-3%
1.28
-1%
1.3
+2%
1.29
-1%
1.31
+2%
1.29
-2%
1.09
-16%
1.17
+7%
1.35
+15%
1.48
+10%
1.79
+21%
1.84
+3%
1.46
-21%
1.43
-2%
1.46
+2%
1.36
-7%
1.48
+9%
1.12
-24%
1.3
+16%
1.49
+15%
1.6
+7%
1.89
+18%
1.92
+2%
1.81
-6%
1.85
+2%
1.67
-10%
1.71
+2%
1.67
-2%
1.58
-5%
1.81
+15%
1.57
-13%
1.51
-4%
1.52
+1%
1.44
-5%
1.69
+17%
1.75
+4%
1.75
N/A
1.75
N/A

See Also

Summary
CZNC intrinsic value, competitors valuation, and company profile.
DCF Valuation
CZNC stock valuation using Discount Cash Flow valuation method.
Relative Valuation
CZNC stock valuation using valuation multiples.
Wall Street Estimates
CZNC price targets and financial estimates made by Wall st analysts.
Profitability Analysis
Detailed analysis of the company's profitability.
Solvency Analysis
Analysis of the financial position and solvency of the company.
Financials
Income Statement, Balance Sheet, Cash Flow Statement.
Discount Rate
CZNC stock discount rate: cost of equity and WACC.
Summary
DCF Valuation
Relative Valuation
Wall Street Estimates
Profitability Analysis
Solvency Analysis
Financials
Discount Rate
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