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CITIZENS & NORTHERN CORP

CZNC

$25.20 ▼ -0.48 (-1.87%) at close

18 Visible periods

36 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Good

Bullish

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Analytical Summary

CITIZENS & NORTHERN CORP shows strong fundamentals with top-quartile Profit Margin (%) and Debt to Equity. The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $401.9M

Dividend Yield —

Revenue Growth 13.3% ↗

Op. Margin 23.3% ↘

ROIC None

FCF / Share None

Trailing P/E 17.3x

Price / Book 1.3x

FCF Yield —

Debt / Equity 0.08

info Valuation on last close. End-of-day price, Sep 23, 2026.

18-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$122.70M

↑ +13.3% —

Net Income Profit after all expenses

$23.43M

↓ -9.8% —

Operating Margin Operating profit as % of sales

23.3%

↓ -20.7% 80th

Long-Term Debt Long-term obligations

$35.91M

↑ +290.8% —

trending_up

Bullish Indicators

Debt to EquityDebt to Equity is in the top quartile (lower is better)
Operating Margin (%)Operating Margin (%) is in the top quartile
Profit Margin (%)Profit Margin (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability ↓

Returns ↓

Financial Health ↑

Dividend History

Dividend / share · sourced from SEC filings

$1.04 Latest / share

+0.0% YoY

+0.0% 2-yr CAGR

$1.04

FY 2014

$1.04

FY 2015

FY 2016

FY 2017

FY 2018

FY 2019

FY 2020

FY 2021

FY 2022

FY 2023

FY 2024

FY 2025

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Revenue Growth YoY (%)	13.3% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+121%)	3.3% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-44%)	-2.6% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-143%)	3.6% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-40%)	12.8% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+113%)	24.8% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+313%)	11.2% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+87%)	13.7% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+128%)	2.2% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-63%)	-1.9% Weak ↑ Weak Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-132%)	1.3% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-78%)	-6.4% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-206%)	-8.0% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-234%)	4.4% Caution Caution Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-27%)	11.0% Good Good Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+83%)	N/M	—	—
EPS Growth YoY (%)	-13.6% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	7.6% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	-8.2% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-10.9% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	47.7% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-11.0% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-18.4% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	62.7% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-15.4% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-3.7% Weak ↑ Weak Improving Year-over-year change in earnings per share Optimal: > 10%	-2.2% Weak ↑ Weak Improving Year-over-year change in earnings per share Optimal: > 10%	-8.6% Weak ↑ Weak Improving Year-over-year change in earnings per share Optimal: > 10%	-18.8% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	-3.1% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	—	—	—	—
Net Income Growth YoY (%)	-9.8% Weak ↓ Weak Declining Year-over-year change in net income	7.5% Fair ↓ Fair Declining Year-over-year change in net income	-9.3% Weak ↓ Weak Declining Year-over-year change in net income	-12.9% Weak ↓ Weak Declining Year-over-year change in net income	59.0% Excellent ↑ Excellent Improving Year-over-year change in net income	-1.4% Weak ↓ Weak Declining Year-over-year change in net income	-11.4% Weak ↓ Weak Declining Year-over-year change in net income	63.9% Excellent ↑ Excellent Improving Year-over-year change in net income	-14.8% Weak ↓ Weak Declining Year-over-year change in net income	-4.3% Weak ↑ Weak Improving Year-over-year change in net income	-3.6% Weak ↑ Weak Improving Year-over-year change in net income	-8.1% Weak ↓ Weak Declining Year-over-year change in net income	-18.1% Weak ↓ Weak Declining Year-over-year change in net income	-2.8% Weak Weak Year-over-year change in net income	22.6% Good Good Year-over-year change in net income	N/M	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	4.5% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	1.4% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	4.4% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	13.4% Good → Good Stable Compound annual revenue growth over 3 years	16.1% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	16.4% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	8.9% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	4.5% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	0.5% Weak ↑ Weak Improving Compound annual revenue growth over 3 years	-2.4% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-4.4% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-3.5% Weak Weak Compound annual revenue growth over 3 years	2.1% Caution Caution Compound annual revenue growth over 3 years	—	—	—	—	—
Revenue CAGR 5Y (%)	5.9% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	8.0% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	9.6% Good ↓ Good Declining Compound annual revenue growth over 5 years	13.0% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	12.7% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	9.6% Good ↑ Good Improving Compound annual revenue growth over 5 years	5.1% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	1.6% Caution ↑ Caution Improving Compound annual revenue growth over 5 years	-2.6% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	-2.2% Weak Weak Compound annual revenue growth over 5 years	0.2% Weak Weak Compound annual revenue growth over 5 years	—	—	—	—	—	—	—
EPS CAGR 3Y (%)	-5.1% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-4.2% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	6.5% Fair ↑ Fair Improving Compound annual EPS growth over 3 years	5.4% Fair ↑ Fair Improving Compound annual EPS growth over 3 years	2.4% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	5.7% Fair ↑ Fair Improving Compound annual EPS growth over 3 years	3.9% Caution ↑ Caution Improving Compound annual EPS growth over 3 years	9.9% Fair ↑ Fair Improving Compound annual EPS growth over 3 years	-7.3% Weak ↑ Weak Improving Compound annual EPS growth over 3 years	-4.9% Weak ↑ Weak Improving Compound annual EPS growth over 3 years	-10.1% Weak Weak Compound annual EPS growth over 3 years	-10.4% Weak Weak Compound annual EPS growth over 3 years	—	—	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Operating Margin (%) (%)	23.3% Good ↓ Good Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-7%)	29.4% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+18%)	29.1% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+16%)	30.1% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+20%)	36.3% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+45%)	25.2% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	—	—	—	—	—	—	—	—	—	—	—	—
Effective Tax Rate (%) (%)	18.2% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	18.6% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	20.8% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	17.7% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	18.9% Good Good Actual taxes paid relative to pre-tax income Optimal: 15-25%	17.2% Good Good Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—	—	—	—	—	—	—	—	—
Profit Margin (%) (%)	19.1% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-13%)	24.0% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+9%)	23.0% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	24.7% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+12%)	29.4% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+34%)	20.9% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-5%)	26.4% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+20%)	33.2% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+51%)	23.0% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	27.6% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+26%)	28.3% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+29%)	29.8% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+35%)	30.3% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+38%)	34.1% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+55%)	36.6% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+66%)	33.1% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+51%)	—	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	0.7% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.0% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.0% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.1% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.2% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.7% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.1% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.3% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.3% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.4% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.5% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.8% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.8% Weak Weak Operating profit relative to total assets Optimal: > 10%	1.4% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—
Return on Common Equity (%) (%)	6.9% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-43%)	9.4% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-21%)	9.2% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-23%)	10.7% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-11%)	10.1% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-16%)	6.4% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-47%)	8.0% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-34%)	11.2% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-7%)	7.1% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-41%)	8.5% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-29%)	8.8% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-27%)	9.1% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-24%)	10.4% Fair Fair Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-14%)	12.4% Fair Fair Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	—	—	—	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Debt to Equity (x)	0.08x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-93%)	0.01x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-99%)	0.13x Excellent → Excellent Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-89%)	0.32x Good ↑ Good Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-73%)	0.01x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-100%)	0.07x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-94%)	0.35x Good ↑ Good Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-71%)	0.25x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-79%)	0.38x Good ↓ Good Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-69%)	0.35x Good ↓ Good Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-71%)	0.49x Good → Good Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-59%)	0.42x Good ↓ Good Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-65%)	0.54x Good Good Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-55%)	0.49x Good Good Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-59%)	—	—	—	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Revenue per Share (USD)	$7.69	$7.10	$6.88	$6.96	$6.59	$6.25	$5.55	$5.43	$4.82	$4.74	$4.76	$4.63	$4.96	$5.45	$5.25	—	—	—
Basic EPS, GAAP (USD)	$1.46	$1.69	$1.57	$1.71	$1.92	$1.30	$1.46	$1.79	$1.10	$1.30	$1.35	$1.38	$1.51	$1.86	$1.92	—	—	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	—	—	—	—	—	—	—	—	—	—	$1.04	$1.04	$1.00	$0.84	$0.58	$0.39	$0.72	—
Book Value per Share (USD)	$19.17	$17.84	$17.15	$16.07	$19.13	$18.84	$17.82	$16.02	$15.43	$15.36	$15.39	$15.34	$14.53	$14.94	—	—	—	—
Tangible Book Value per Share (USD)	$15.62	$14.43	$13.72	$12.68	$15.79	$15.54	$15.75	$15.05	$14.45	$14.37	$14.41	$14.37	$13.56	$13.96	—	—	—	—
Basic Weighted Avg Shares (shares)	15.95M	15.26M	15.24M	15.46M	15.77M	14.74M	13.30M	12.22M	12.12M	12.03M	12.21M	12.39M	12.35M	12.24M	12.16M	—	—	—
Dividend Payout Ratio (%)	—	—	—	—	—	—	—	—	—	—	—	—	—	—	30.2% Good Good Dividends paid as a percentage of earnings Optimal: 30-60%	—	—	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
LT Debt (USD)	—	—	—	—	—	—	—	$35.91M	$9.19M	$38.45M	$38.77M	$73.06M	$73.34M	$83.81M	$125.36M	$148.50M	—	—
Total Equity (USD)	$341.71M	$275.28M	$262.38M	$249.32M	$301.40M	$299.76M	$244.45M	$197.37M	$188.44M	$186.01M	$187.49M	$188.36M	$179.47M	$182.79M	—	—	—	—

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Sales/Revenue/Turnover (USD)	$122.70M	$108.32M	$104.82M	$107.56M	$103.82M	$92.08M	$73.80M	$66.33M	$58.36M	$57.07M	$58.18M	$57.41M	$61.32M	$66.67M	$63.85M	$57.54M	$-27.30M	—
Depreciation Expense (USD)	$2.36M	$2.18M	$2.15M	$2.39M	$2.13M	$1.98M	$1.75M	$1.75M	$1.64M	—	—	—	—	—	—	—	—	—
Net Income, GAAP (USD)	$23.43M	$25.96M	$24.15M	$26.62M	$30.55M	$19.22M	$19.50M	$22.01M	$13.43M	$15.76M	$16.47M	$17.09M	$18.59M	$22.70M	$23.37M	$19.05M	$-39.34M	—
Operating Cash Flow (USD)	$32.00M	$33.03M	$33.55M	$34.60M	$34.84M	$24.78M	$22.46M	$25.89M	$19.37M	$18.51M	$19.69M	$22.28M	$30.57M	$27.65M	$37.46M	$35.05M	$12.97M	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Net Interest Margin (approx.) (%)	2.9%	3.0%	3.2%	3.4%	3.3%	3.0%	3.3%	3.5%	3.3%	3.3%	3.3%	3.3%	3.5%	3.7%	3.6%	3.3%	—	—
Efficiency Ratio (%) (%)	71.7%	68.6%	70.7%	63.2%	60.2%	70.5%	67.1%	59.5%	63.3%	60.9%	61.1%	59.5%	56.3%	52.9%	50.2%	54.7%	-124.6%	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced yesterday 18 years · 68 quarters

CITIZENS & NORTHERN CORP

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