CZNC - NASDAQ
Citizens & Northern Corporation
$20.37
-2.3%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.
At a Glance
Live SnapshotCitizens & Northern Corporation Cash Conversion Engine
Cash Flow Quality Analysis
FCF Conversion Rate
Excellent cash generation. The company converts earnings to cash at or above 100%, indicating high-quality earnings.
CapEx Intensity
Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.
FCF Growth Trend
Declining FCF warrants attention. Investigate whether due to temporary factors or fundamental deterioration.
Working Capital Impact
Moderate working capital outflow. Typical for growing businesses, but ensure it's supporting revenue growth, not inefficiency.
Cash Flow Quality Insight
Asset-light with strong cash conversion: Low capital requirements combined with efficient cash generation creates significant shareholder value through dividends, buybacks, or strategic investments.
Citizens & Northern Corporation Cash Flow Statement
CZNC • NASDAQ
| Citizens & Northern Corporation Cash Flow Statement | 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
OPERATING ACTIVITIES | ||||||||||||||||||||
23.4M | 26M | 24.1M | 26.6M | 30.6M | 19.2M | 19.5M | 22M | 13.4M | 15.8M | 16.5M | 17.1M | 18.6M | 22.7M | 23.4M | 19.1M | -39.3M | 10.1M | 10.4M | 12M | |
0.0 | 2.2M | 2.2M | 2.4M | 2.1M | 2M | 1.7M | 1.8M | 1.6M | 1.6M | 1.9M | 2M | 2.1M | 2M | 2.3M | 2.5M | 3.1M | 3.4M | 3.3M | 2.7M | |
0.0 | -1.5M | 836K | -400K | -1.4M | -361K | 172K | -187K | 2.2M | -156K | 79K | 1.3M | 1.8M | 3.8M | 3.8M | 6.4M | -18.4M | -2.1M | -21K | -311K | |
0.0 | 1.5M | 1.5M | 1.3M | 1.2M | 1.1M | 798K | 855K | 628K | 582K | 606K | 565K | 696K | 567K | 423K | 67K | 286K | 294K | 0.0 | 0.0 | |
14.3M | 1.8M | 4.9M | 9.4M | 2.4M | 3M | 1.2M | 224K | 1M | 1.5M | 1.4M | 445K | 5.3M | -757K | 3.4M | -1.8M | 83.4M | 9M | -2.9M | -4.5M | |
(8.8M) | (4.8M) | (6.4M) | (5.6M) | (10.1M) | (3.1M) | (3.2M) | (4.3M) | (4.9M) | (5.1M) | (4.8M) | (4.4M) | (4.2M) | (4.3M) | (3.6M) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | |
-5.7M | 3.1M | 58K | -4.7M | -109K | -111K | -951K | 1.2M | 506K | -726K | -726K | 956K | 2.1M | -636K | 4.2M | 8.9M | -16.1M | -2.5M | -878K | 186K | |
32M | 33M | 33.5M | 34.6M | 34.8M | 24.8M | 22.5M | 25.9M | 19.4M | 18.5M | 19.7M | 22.3M | 30.6M | 27.7M | 37.5M | 35M | 13M | 18.1M | 9.9M | 10.1M | |
INVESTING ACTIVITIES | ||||||||||||||||||||
(0.0) | -1.9M | -2.3M | -3.3M | -1.9M | -3.1M | -2.9M | -1.2M | -1.7M | -1.6M | -1M | -801K | -801K | -1.6M | -998K | -707K | -1.3M | -998K | -2.4M | -3.5M | |
(0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (76M) | -1.8M | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (116K) | (0.0) | (0.0) | (0.0) | (29.9M) | (0.0) | |
(0.0) | -25.8M | -23.4M | -113.7M | -243.9M | -105.4M | -57.7M | -90M | -51.5M | -91.9M | -40.4M | -158.9M | -152.3M | -127.4M | -152.4M | -267.1M | -131.2M | -96.4M | -203.6M | -159.8M | |
0.0 | 39.2M | 113.1M | 62.8M | 63.7M | 123.4M | 177.4M | 80.6M | 87.8M | 111.5M | 133.7M | 134.5M | 122.8M | 138.6M | 133.7M | 217.1M | 109.8M | 79.5M | 141.1M | 122.3M | |
196K | -32.4M | -140.7M | -180.5M | 78.2M | 5.7M | -92.4M | -11M | -65.5M | -47.4M | -73.9M | 15.7M | 39.2M | 25M | 22.5M | -7.2M | 22M | -9.3M | 12.4M | 76.9M | |
(196K) | -20.9M | -53.2M | -234.7M | -103.9M | (96.6M) | (22.7M) | -21.6M | -30.9M | -29.4M | (18.4M) | -9.5M | (8.9M) | (34.6M) | (2.9M) | -57.9M | -628K | -27.3M | -22.6M | (35.8M) | |
FINANCING ACTIVITIES | ||||||||||||||||||||
-218K | -629K | -6.8M | -9.2M | -7.4M | -32K | 9K | 189K | 127K | -3.5M | -4M | -3.9M | 184K | 229K | -951K | 0.0 | 24.6M | -1.9M | -860K | -2.2M | |
-64.2M | -4.2M | 29.9M | 104.3M | -13.1M | -128.9M | -28M | -22.2M | 6.3M | -27.6M | 11.1M | -18.1M | 6.3M | -43.3M | -36.6M | -68.4M | -49.8M | -14.4M | 47.7M | -38.5M | |
-16.3M | -15.5M | -15.6M | -15.9M | -16M | -14.5M | -14M | -11.7M | -11.1M | -11.1M | -11.2M | -11.4M | -10.9M | -9.1M | -6.2M | -5.2M | -8.4M | -7.7M | -8.2M | -7.9M | |
-218K | -629K | -6.8M | -9.3M | -7.6M | -163K | -189K | (0.0) | (0.0) | -3.7M | -4.4M | -4M | (0.0) | (0.0) | -1M | (0.0) | (0.0) | -2.1M | (0.0) | -2.3M | |
-30.4M | 79.1M | 17.2M | 72.7M | 105.4M | 86.9M | -4.8M | 25.3M | 24.7M | 48.4M | -32.2M | 13.6M | -51.5M | -12M | 13.9M | 77.6M | 62.9M | 25.5M | -21.4M | 3.4M | |
-111.1M | 58.7M | 24.7M | 151.9M | 68.9M | -56.5M | -46.8M | -8.4M | 19.9M | 6.2M | -36.4M | -19.8M | -55.9M | -64.1M | -29.9M | -22.9M | 55.7M | 1.5M | 17.1M | -45.2M | |
CASH FLOW SUMMARY | ||||||||||||||||||||
-78.9M | 70.8M | 5.1M | -48.2M | -169K | 64.9M | -1.7M | -4.2M | 8.4M | -4.7M | 1.7M | -7M | -16.4M | -1.8M | 10.5M | -45.8M | 68M | -7.6M | 4.5M | 713K | |
123.6M | 52.8M | 47.7M | 95.8M | 96M | 31.1M | 32.8M | 37M | 28.6M | 33.3M | 31.6M | 38.6M | 55M | 56.8M | 46.3M | 92.1M | 24M | 31.7M | 27.2M | 26.4M | |
44.7M | 123.6M | 52.8M | 47.7M | 95.8M | 96M | 31.1M | 32.8M | 37M | 28.6M | 33.3M | 31.6M | 38.6M | 55M | 56.8M | 46.3M | 92.1M | 24M | 31.7M | 27.2M | |
28.1M | 31.1M | 31.3M | 31.3M | 33M | 21.6M | 19.6M | 24.7M | 17.7M | 16.9M | 18.6M | 21.5M | 29.8M | 26M | 36.5M | 34.3M | 11.7M | 17.1M | 7.5M | 6.6M |
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 | |
10-Q 10-Q 2026 Q1 Q1 | May 08, 2026 | March 31, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 29, 2026 | April 29, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 28, 2026 | April 23, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 23, 2026 | April 23, 2026 | 2026 | |
DEF 14A DEF 14A 2026 N/A | March 13, 2026 | April 23, 2026 | 2026 | |
10-K 10-K 2025 FY FY | March 06, 2026 | December 31, 2025 | 2025 | |
8-K 8-K 2026 N/A | January 28, 2026 | January 28, 2026 | 2026 | |
8-K 8-K 2026 N/A | January 22, 2026 | January 22, 2026 | 2026 | |
8-K/A 8-K/A 2025 (Amended) N/A | December 11, 2025 | October 01, 2025 | 2025 |
Related Guides
Continue your CZNC research with focused valuation guides.
Research Paths
Snapshot
Start with context, operating signals, and key market metrics.
Value Model
Stress test fair value across bear, base, and bull assumptions.
Statements
Validate revenue quality, margins, and balance sheet durability.
Earnings Call
Read management commentary and compare it with reported outcomes.
Dividends
Check payout sustainability and long-term distribution behavior.
Analyst Expectations
Review consensus spread and where estimate risk is concentrated.