CZNC
Citizens & Northern Corp
$21.07
-$0.12(-0.57%)
46
Overall
80
Value
20
Tech
39
Quality
Market Cap
$345.18M
Volume
40.59K
52W Range
$18.02 - $24.12
Target Price
$24.00
Order:
Income Statement
| Metric | Trend | Chart | 2016 Dec | 2017 Dec | 2018 Dec | 2019 Dec | 2020 Dec | 2021 Dec | 2022 Dec | 2023 Dec | 2024 Dec | 2025 Dec |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| REVENUE | ||||||||||||
| Total Revenue | $55.9M | $57.6M | $65.7M | $72.9M | $92.1M | $103.8M | $107.6M | $104.8M | $108.3M | $122.7M | ||
| Total Revenue | $55.9M | $57.6M | $65.7M | $72.9M | $92.1M | $103.8M | $107.6M | $104.8M | $108.3M | $122.7M | ||
| OPERATING EXPENSES | ||||||||||||
| Selling, General & Administrative | $25.7M | $26.1M | $27.7M | $33.1M | $33.1M | $37.6M | $41.8M | $44.2M | $44.9M | $47.4M | ||
| General & Administrative Expenses | $5.5M | $5.0M | $5.2M | $6.7M | -- | -- | -- | -- | -- | -- | ||
| Salaries & Wages | $20.1M | $21.2M | $22.4M | $26.5M | $33.1M | $37.6M | $41.8M | $44.2M | $44.9M | $47.4M | ||
| Depreciation & Amortization | $-1.6M | $-1.6M | $-1.8M | $-1.7M | $2.0M | $2.1M | $2.4M | $2.2M | $2.2M | -- | ||
| Depreciation & Amortization | $-1.6M | $-1.6M | $-1.8M | $-1.7M | $2.0M | $2.1M | $2.4M | -- | -- | -- | ||
| Amortization | $-13.0K | $-5.0K | $-3.0K | $-223.0K | $540.0K | $535.0K | $439.0K | $408.0K | $389.0K | -- | ||
| SPECIAL ITEMS | ||||||||||||
| Restruct | -- | -- | $328.0K | $4.1M | $7.7M | -- | -- | -- | -- | $7.9M | ||
| Special Income Charges | $-3.4M | $-5.6M | $-6.4M | $-10.7M | $-16.6M | $-10.9M | $-15.0M | $-18.8M | $-18.1M | $-28.2M | ||
| Impairment of Capital Assets | $282.0K | -- | -- | -- | -- | -- | -- | -- | -- | -- | ||
| PRE-TAX INCOME | ||||||||||||
| Pre-Tax Income | $21.1M | $20.6M | $26.3M | $23.4M | $23.2M | $37.7M | $32.4M | $30.5M | $31.9M | $28.6M | ||
| INCOME TAX | ||||||||||||
| Tax Provision | $5.8M | $7.2M | $4.3M | $3.9M | $4.0M | $7.1M | $5.7M | $6.3M | $5.9M | $5.2M | ||
| NET INCOME | ||||||||||||
| Net Income | $15.8M | $13.4M | $22.0M | $19.5M | $19.2M | $30.6M | $26.6M | $24.1M | $26.0M | $23.4M | ||
| Net Income (Continuing Operations) | $15.8M | $13.4M | $22.0M | $19.5M | $19.2M | $30.6M | $26.6M | $24.1M | $26.0M | $23.4M | ||
| Net Income (Discontinued Operations) | $15.8M | $13.4M | $22.0M | $19.5M | $19.2M | $30.6M | $26.6M | $24.1M | $26.0M | $23.4M | ||
| Net Income (Common Stockholders) | $15.8M | $13.4M | $42.6M | $19.5M | $19.1M | $30.3M | $26.4M | $24.1M | $26.0M | $23.4M | ||
| Normalized Income | -- | -- | -- | -- | -- | -- | -- | -- | -- | $36.3M | ||
| SHARE & EPS DATA | ||||||||||||
| Average Shares Outstanding | $12.1M | $12.1M | $12.2M | $13.3M | $14.7M | $15.8M | $15.5M | $15.4M | $15.2M | $16.0M | ||
| Average Shares Outstanding (Diluted) | $12.1M | $12.2M | $12.3M | $13.3M | $14.7M | $15.8M | $15.5M | $15.4M | $15.2M | $16.0M | ||
| Shares Outstanding | $12.1M | $12.2M | $12.4M | $13.8M | $16.0M | $15.8M | $15.6M | $15.4M | $15.5M | $17.9M | ||
| Basic EPS | $1.3 | $1.1 | $1.79 | $1.46 | $1.3 | $1.92 | $1.71 | $1.57 | $1.69 | $1.46 | ||
| Basic EPS (Continuing Operations) | $1.3 | $1.1 | $1.79 | $1.46 | $1.3 | $1.92 | $1.71 | $1.57 | $1.69 | $1.46 | ||
| Diluted EPS | $1.3 | $1.1 | $1.79 | $1.46 | $1.3 | $1.92 | $1.71 | $1.57 | $1.69 | $1.46 | ||
| Diluted EPS (Continuing Operations) | $1.3 | $1.1 | $1.79 | $1.46 | $1.3 | $1.92 | $1.71 | $1.57 | $1.69 | -- | ||
| Dividend Per Share | $1.04 | $1.04 | $1.08 | $1.08 | $1.08 | $1.12 | $1.12 | -- | -- | -- | ||
| OTHER METRICS | ||||||||||||
| Credit Losses Provision | $1.2M | $801.0K | $584.0K | $849.0K | $3.9M | $3.7M | $7.3M | $186.0K | $2.2M | $6.1M | ||
| Dividend Income | $70.0K | $21.0K | $22.0K | $23.0K | $331.0K | $384.0K | $722.0K | $1.4M | $4.4M | $3.5M | ||
| Equipment | $1.7M | $1.3M | $1.2M | $1.3M | $1.5M | -- | -- | -- | -- | -- | ||
| Fees And Commissions | $14.0M | $1.2M | $849.0K | $1.5M | $1.7M | $1.9M | $2.3M | $-1.4M | $2.3M | $2.4M | ||
| Insurance And Claims | $5.5M | $5.0M | $5.2M | $6.7M | -- | -- | -- | -- | -- | -- | ||
| Interest Expense For Capitalized Lease Obligations | -- | -- | -- | $-251.0K | $371.0K | $492.0K | $599.0K | -- | -- | -- | ||
| Interest Expense For Deposit | $2.1M | $2.4M | $3.7M | $8.2M | $7.2M | $4.5M | $6.6M | $24.2M | $39.2M | $39.5M | ||
| Interest Expense For Long Term Debt | $1.5M | $1.3M | $557.0K | $1.0M | $1.3M | $399.0K | $896.0K | $4.2M | $7.2M | $6.5M | ||
| Interest Expense For Long Term Debt And Capital Securities | $1.5M | $1.3M | $557.0K | $1.0M | $1.3M | $399.0K | $896.0K | $4.2M | $7.2M | $6.5M | ||
| Interest Expense For Short Term Debt | $155.0K | $213.0K | $366.0K | $733.0K | $367.0K | $23.0K | $429.0K | $3.2M | $1.2M | $7.0K | ||
| Interest Income | $44.1M | $45.9M | $50.3M | $64.8M | $77.2M | $84.5M | $92.6M | $113.5M | $128.1M | $139.2M | ||
| Interest Income After Provision For Loan Loss | $38.0M | $40.3M | $44.5M | $52.8M | $63.7M | $74.3M | $75.9M | $80.2M | $76.9M | $85.8M | ||
| Interest Income From Deposits | $116.0K | $190.0K | $415.0K | $514.0K | $251.0K | -- | -- | -- | -- | -- | ||
| Interest Income From Investment Securities | $11.1M | $10.7M | $49.9M | $64.2M | $76.8M | $84.1M | $11.4M | $11.0M | $10.9M | $12.7M | ||
| Interest Income From Loans | $32.8M | $34.9M | $38.7M | -- | $63.7M | $74.3M | -- | -- | -- | -- | ||
| Interest Income From Loans And Lease | $32.8M | $34.9M | $38.7M | -- | $63.7M | $74.3M | -- | $80.2M | $76.9M | -- | ||
| Interest Income From Securities | $11.1M | $10.7M | $49.9M | $64.2M | $76.8M | $84.1M | $11.4M | $11.0M | $10.9M | $12.7M | ||
| Net Interest Income | $39.2M | $41.1M | $45.1M | $53.6M | $67.6M | $77.9M | $83.1M | $80.4M | $79.1M | $91.9M | ||
| Net Occupancy Expense | $2.3M | $2.3M | $2.5M | $2.6M | $4.5M | $5.0M | $5.5M | $5.4M | $5.5M | $5.9M | ||
| Non Interest Expense | $-34.7M | $-37.0M | $-39.5M | $-49.5M | $65.0M | $62.5M | $68.0M | $74.1M | $74.3M | $88.0M | ||
| Non Interest Income | $16.7M | $16.4M | $20.6M | $19.3M | $24.5M | $25.9M | $24.4M | $24.4M | $29.2M | $30.9M | ||
| Occupancy And Equipment | $4.1M | $3.6M | $3.7M | $3.9M | $4.5M | $5.0M | $5.5M | $5.4M | $5.5M | $5.9M | ||
| Other Customer Services | $7.4M | $140.0K | $119.0K | $189.0K | $246.0K | -- | -- | -- | -- | -- | ||
| Other Gand A | $5.5M | $5.0M | $5.2M | $6.7M | -- | -- | -- | -- | -- | -- | ||
| Other Interest Expense | $-3.7M | $-3.9M | $-4.6M | $347.0K | $-706.0K | $-1.6M | $-9.5M | -- | -- | -- | ||
| Other Non Interest Expense | $3.4M | $5.6M | $6.1M | $6.6M | $8.9M | $10.9M | $15.0M | $18.8M | $18.1M | $20.3M | ||
| Other Non Interest Income | $1.7M | $14.4M | $37.4M | $16.9M | $17.5M | $20.6M | $4.2M | $7.3M | $7.1M | $7.6M | ||
| Professional Expense And Contract Services Expense | $1.1M | $1.6M | $1.7M | $1.7M | $1.7M | $2.2M | $2.0M | $2.5M | $2.2M | $2.8M | ||
| Securities Activities | $1.2M | $257.0K | $-288.0K | $23.0K | $169.0K | $24.0K | $20.0K | $-3.0M | -- | $38.0K | ||
| Service Charge On Depositor Accounts | $4.7M | $4.5M | -- | -- | -- | -- | -- | -- | -- | -- | ||
| Trading Gain Loss | -- | -- | $-2.3M | -- | -- | -- | -- | -- | -- | -- | ||
| Trust Feesby Commissions | $756.0K | $797.0K | $1.0M | $1.3M | $1.5M | $1.9M | $2.3M | $1.7M | $2.3M | $2.3M | ||
| Intexp | $-3.7M | $-3.9M | $-4.6M | $-10.3M | $9.6M | $6.6M | $9.5M | $31.7M | $47.6M | $46.0M | ||
| Othspecchg | $-120.0K | $-61.0K | $-366.0K | $-57.0K | $-11.4M | $-66.0K | $-68.0K | -- | -- | -- | ||
Financial data is updated quarterly and may not reflect the most recent earnings.
| A | B | C | D | |
|---|---|---|---|---|
| 1 | Symbol | Price | Change | Vol |
| 2 | CZNC | $21.07 | -0.6% | 40.59K |
| 3 | ||||
| 4 | ||||
| 5 | ||||
| 6 |
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