CZNC - NASDAQ

Citizens & Northern Corporation

CZNC·NASDAQ

$20.37

-2.3%

Financial ServicesBanks - Regional

Citizens & Northern Corporation operates as the bank holding company for Citizens & Northern Bank that provides a range of banking and mortgage services to individual and corporate customers. The company offers lending products include commercial, mortgage, and consumer loans, as well as specialized instruments, such as commercial letters-of-credit; and deposit products, including various types of checking accounts, passbook and statement savings accounts, money market accounts, interest checking accounts, individual retirement accounts, and certificates of deposits. It also offers wealth management services, including administration of trusts and estates, retirement plans, and other employee benefit plans, and investment management services; and a range of personal and commercial insurance products; mutual funds, annuities, educational savings accounts, and other investment products through registered agents. In addition, the company reinsures credit and mortgage, life and accident, and health insurance products. As of December 31, 2021, it had 31 branch offices, including 23 in the Northern tier/Northcentral region of Pennsylvania, 2 in the Southern tier of New York State, 4 in Southeastern Pennsylvania, and 2 in Southcentral Pennsylvania, as well as a lending office in Elmira, New York. The company was founded in 1864 and is based in Wellsboro, Pennsylvania.

Statements Value Model

At a Glance

Live Snapshot

Market Cap$364.96M

EPS1.4600

P/E Ratio13.95

Earnings Date07/16/2026

3.13B

Assets

20%

3Y+28.0%

5Y+40.0%

10Y+152.0%

2.79B

Total Liabilities

19%

3Y+27.0%

5Y+44.0%

10Y+164.0%

341.71M

Total Equity

24%

3Y+37.0%

5Y+14.0%

10Y+84.0%

Citizens & Northern Corporation Funding & Solvency Profile

CZNC · NASDAQ

Current Assets

Cash & Cash Equivalents46.06M

Net Receivables11.59M

Inventory0.00

Other Current Assets-302.73M

Total Current Assets46 M

Non-Current Assets

Property, Plant & Equipment27.75M

Goodwill & Intangible Assets74.88M

Long-Term Investments2.32B

Other Non-Current Assets660.27M

Total Non-Current Assets3 B

Total Assets

3.13B

Financial Health Analysis

Current Ratio

1.11x

Acceptable liquidity, but monitor closely. Current assets just barely cover current liabilities.

Debt-to-Equity Ratio

8.17x

High financial leverage. Heavy reliance on debt may indicate increased financial risk and potential solvency concerns.

Working Capital

5 M

Positive working capital, but relatively tight. The company should monitor cash flow carefully.

Asset Composition

1% Current

Capital-intensive business with significant long-term investments in property, equipment, or intangibles.

Citizens & Northern Corporation Balance Sheet

CZNC • NASDAQ

Citizens & Northern Corporation Balance Sheet	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017	Dec 2016	Dec 2015	Dec 2014	Dec 2013	Dec 2012	Dec 2011	Dec 2010	Dec 2009	Dec 2008	Dec 2007	Dec 2006
ASSETS
CURRENT ASSETS
Cash and Cash Equivalents	46.1M	126.2M	56.9M	55M	104.9M	101.9M	35.2M	37.5M	40.2M	32.1M	36.1M	36M	44.6M	59.8M	60.6M	46.3M	92.1M	24M	31.7M	27.2M
Short-Term Investments	291.3M	222.4M	415.8M	498M	517.7M	349.3M	346.7M	363.3M	355.9M	395.1M	420.3M	516.8M	482.7M	472.6M	481.7M	0.0	0.0	0.0	0.0	0.0
Cash & Short-Term Investments	337.4M	348.6M	472.6M	553.1M	622.6M	451.2M	381.9M	400.8M	396.2M	427.2M	456.4M	552.9M	527.3M	532.4M	542.3M	46.3M	92.1M	24M	31.7M	27.2M
Net Receivables	11.6M	8.7M	9.1M	8.7M	7.2M	8.3M	5M	4M	4M	4M	3.8M	3.9M	4.1M	4.3M	4.8M	5M	5.6M	5.8M	5.7M	5M
Accounts Receivables	11.6M	8.7M	9.1M	8.7M	7.2M	8.3M	5M	4M	4M	4M	3.8M	3.9M	4.1M	4.3M	4.8M	5M	5.6M	5.8M	5.7M	5M
Other Current Assets	-302.7M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Total Current Assets	46.2M	357.3M	481.8M	561.7M	629.9M	459.5M	386.9M	404.7M	400.2M	431.1M	460.1M	556.8M	531.4M	536.7M	547.1M	51.3M	97.7M	29.9M	37.4M	32.2M
NON-CURRENT ASSETS
Property, Plant, and Equipment (Net)	27.8M	21.3M	21.6M	21.6M	20.7M	21.5M	17.2M	14.6M	15.4M	15.4M	15.4M	16.3M	17.4M	18.7M	19M	22.6M	24.3M	25.9M	27.8M	23.4M
Goodwill	63.3M	52.5M	52.5M	52.5M	52.5M	52.5M	28.4M	11.9M	11.9M	11.9M	11.9M	11.9M	11.9M	11.9M	11.9M	11.9M	11.9M	12M	12M	2.8M
Intangible Assets	11.6M	2.1M	2.5M	2.9M	3.3M	3.9M	1.2M	9K	12K	17K	30K	52K	87K	138K	212K	326K	502K	826K	1.4M	336K
Goodwill & Intangible Assets	74.9M	54.6M	55M	55.4M	55.8M	56.4M	29.6M	12M	12M	12M	12M	12M	12M	12.1M	12.2M	12.3M	12.4M	12.8M	13.4M	3.1M
Long-Term Investments	2.3B	2.1B	1.8B	1.7B	1.6B	1.6B	1.2B	819.4M	808.6M	743.5M	697.3M	623.2M	635.7M	679.6M	701.5M	1.2B	1.1B	1.2B	1.2B	1B
Tax Assets	0.0	19.1M	17.4M	20.9M	5.9M	2.7M	2.6M	4.1M	3.3M	5.1M	3.1M	1.7M	6.3M	1.7M	6.2M	16.1M	22M	16.4M	0.0	0.0
Other Non-Current Assets	660.3M	102.5M	110.8M	71.3M	64.1M	66.2M	43.7M	36.1M	37.5M	35.2M	35.5M	32.1M	34.8M	38.1M	37.8M	43.9M	55.4M	40.8M	41.9M	32.2M
Total Non-Current Assets	3.1B	2.3B	2B	1.9B	1.7B	1.8B	1.3B	886.2M	876.7M	811.1M	763.3M	685.2M	706.3M	750.2M	776.7M	1.3B	1.2B	1.3B	1.2B	1.1B
Total Assets	3.1B	2.6B	2.5B	2.5B	2.3B	2.2B	1.7B	1.3B	1.3B	1.2B	1.2B	1.2B	1.2B	1.3B	1.3B	1.3B	1.3B	1.3B	1.3B	1.1B
LIABILITIES
CURRENT LIABILITIES
Total Payables	0.0	0.0	0.0	25.6M	23.6M	27.7M	12.2M	11M	9.1M	7.8M	8.1M	7M	7M	8.6M	7.8M	0.0	169K	7.9M	5.2M	6.7M
Accounts Payable	0.0	0.0	0.0	25.6M	23.6M	27.7M	12.2M	11M	9.1M	7.8M	8.1M	7M	7M	8.6M	7.8M	0.0	0.0	7.9M	5.2M	6.7M
Other Payables	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	169K	0.0	0.0	0.0
Accrued Expenses	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	7.8M	6.4M	7M	7.9M	0.0	6.7M
Short Term Debt	41.7M	2.5M	33.9M	119.2M	1.8M	20M	86.2M	12.9M	61.8M	53.2M	80.5M	66.5M	84.4M	73.6M	94.9M	18.4M	39.2M	48.5M	40.7M	49.3M
Other Current Liabilities	0.0	2.1B	2B	2B	1.9B	1.8B	1.3B	1B	1B	983.8M	935.6M	968M	954.5M	1B	1B	1B	926.8M	864.1M	838.5M	760.3M
Total Current Liabilities	41.7M	2.1B	2B	2.1B	2B	1.9B	1.4B	1.1B	1.1B	1B	1B	1B	1B	1.1B	1.1B	1B	973M	928.5M	884.4M	823.1M
NON-CURRENT LIABILITIES
Long Term Debt	148.5M	205.2M	177.9M	62.6M	75.8M	71.2M	58.6M	35.9M	9.2M	11.5M	11.8M	12.1M	12.3M	15.8M	40.4M	148.5M	196.2M	236.9M	259.5M	179.2M
Other Non-Current Liabilities	2.6B	33.8M	26.6M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	-12.8M	0.0	169K	-5.8M	2.1M	-4.8M
Total Non-Current Liabilities	2.8B	239M	204.5M	62.6M	75.8M	71.2M	58.6M	35.9M	9.2M	11.5M	11.8M	12.1M	12.3M	15.8M	27.6M	148.5M	196.2M	231.1M	259.5M	174.4M
Capital Lease Obligations	2.9M	0.0	0.0	0.0	0.0	0.0	1.4M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Total Liabilities	2.8B	2.3B	2.3B	2.2B	2B	1.9B	1.4B	1.1B	1.1B	1.1B	1B	1.1B	1.1B	1.1B	1.2B	1.2B	1.2B	1.2B	1.1B	997.5M
SHAREHOLDERS' EQUITY
Treasury Stock	-10.7M	-13.3M	-16.6M	-12.5M	-6.7M	-1.4M	-4.2M	-6.4M	-8.3M	-10.3M	-8.8M	-6.7M	-3.5M	-4.2M	-5.1M	-4.4M	-4.6M	-6.1M	-5M	-4.1M
Preferred Stock	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	25.7M	0.0	0.0	0.0
Common Stock	18.3M	16M	16M	16M	16M	16M	13.9M	12.7M	12.7M	12.7M	12.7M	12.7M	12.6M	12.5M	12.5M	12.4M	12.4M	9.3M	9.2M	8.5M
Additional Paid-In Capital	185.7M	143.6M	144.4M	144M	144.5M	143.6M	104.5M	72.6M	72M	71.7M	71.7M	71.5M	70.1M	68.6M	67.6M	66.6M	66.7M	44.3M	42.5M	27.1M
Retained Earnings	171.2M	165.8M	157M	151.7M	142.6M	129.7M	126.5M	122.6M	113.6M	112.8M	109.5M	105.6M	101.2M	94.8M	82.3M	65.9M	53M	97.8M	96.6M	96.1M
Accumulated Other Comprehensive Income/Loss	-22.8M	-36.8M	-38.4M	-49.9M	5M	11.8M	3.7M	-4.2M	-1.5M	-898K	2.5M	5.4M	-993K	11M	10.2M	-1.6M	-891K	-23.2M	-5.5M	613K
Other Total Stockholders' Equity	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	-48K	0.0	1.8M
Total Stockholders' Equity	341.7M	275.3M	262.4M	249.3M	301.4M	299.8M	244.5M	197.4M	188.4M	186M	187.5M	188.4M	179.5M	182.8M	167.4M	138.9M	152.4M	122M	137.8M	129.9M
Total Equity	341.7M	275.3M	262.4M	249.3M	301.4M	299.8M	244.5M	197.4M	188.4M	186M	187.5M	188.4M	179.5M	182.8M	167.4M	138.9M	152.4M	122M	137.8M	129.9M
SUMMARY
Total Liabilities & Equity	3.1B	2.6B	2.5B	2.5B	2.3B	2.2B	1.7B	1.3B	1.3B	1.2B	1.2B	1.2B	1.2B	1.3B	1.3B	1.3B	1.3B	1.3B	1.3B	1.1B
Total Investments	2.6B	2.3B	2.2B	2.2B	2.1B	2B	1.5B	1.2B	1.2B	1.1B	1.1B	1.1B	1.1B	1.2B	1.2B	1.2B	1.1B	1.2B	1.2B	1B
Total Debt	193.1M	207.7M	211.8M	181.8M	77.6M	91.2M	144.8M	48.8M	71M	64.6M	92.3M	78.6M	96.7M	89.4M	135.3M	166.9M	235.5M	285.5M	300.1M	228.4M
Net Debt	147M	81.5M	154.9M	126.7M	-27.4M	-10.7M	109.6M	11.3M	30.7M	32.5M	56.2M	42.6M	52.1M	29.5M	74.7M	120.6M	143.4M	261.4M	268.5M	201.3M
Shares Outstanding	15,350,322	15,350,322	15,350,322	15,350,322	15,350,322	15,350,322	15,350,322	15,350,322	15,350,322	15,350,322	15,350,322	15,350,322	15,350,322	15,350,322	15,350,322	15,350,322	15,350,322	15,350,322	15,350,322	15,350,322

SEC Filings

CZNC - Filing history and reports

Filing Type	Filing Date	Period Ending	Fiscal Year	Actions
8-K 8-K 2026 N/A	May 11, 2026	May 07, 2026	2026	View Filing
10-Q 10-Q 2026 Q1 Q1	May 08, 2026	March 31, 2026	2026	View Filing
8-K 8-K 2026 N/A	April 29, 2026	April 29, 2026	2026	View Filing
8-K 8-K 2026 N/A	April 28, 2026	April 23, 2026	2026	View Filing
8-K 8-K 2026 N/A	April 23, 2026	April 23, 2026	2026	View Filing
DEF 14A DEF 14A 2026 N/A	March 13, 2026	April 23, 2026	2026	View Filing
10-K 10-K 2025 FY FY	March 06, 2026	December 31, 2025	2025	View Filing
8-K 8-K 2026 N/A	January 28, 2026	January 28, 2026	2026	View Filing
8-K 8-K 2026 N/A	January 22, 2026	January 22, 2026	2026	View Filing
8-K/A 8-K/A 2025 (Amended) N/A	December 11, 2025	October 01, 2025	2025	View Filing

Showing 1 to 10 of 428 filings

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