Financial Services - Banks - Regional - NASDAQ - US
$ 20.18
-1.08 %
$ 311 M
Market Cap
14.01
P/E
INCOME STATEMENT
105 M
REVENUE
30.5 M
OPERATING INCOME
24.1 M
NET INCOME
EFFICIENCY
Earnings Waterfall
Citizens & Northern Corporation
| Revenue | 105 M |
| Cost Of Revenue | 0 |
| Gross Profit | 105 M |
| Operating Expenses | 103 M |
| Operating Income | 30.5 M |
| Other Expenses | 6.34 M |
| Net Income | 24.1 M |
Income Statement
Millions
| 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 | Dec-2005 | Dec-2004 | Dec-2003 | Dec-2002 | Dec-2001 | Dec-2000 | Dec-1999 | Dec-1998 | Dec-1997 | Dec-1996 | Dec-1995 | Dec-1994 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| REVENUE | ||||||||||||||||||||||||||||||
| Revenue | 104.6 | 106.0 | 103.8 | 90.8 | 72.7 | 66.0 | 57.1 | 55.9 | 58.2 | 57.4 | 61.3 | 66.6 | 49.9 | 57.6 | 56.2 | 46.7 | 46.9 | 47.0 | 46.8 | 45.1 | 43.1 | 40.5 | 34.3 | 27.9 | 33.3 | 31.8 | 5.0 | 4.0 | 5.2 | 3.4 |
| GROSS PROFIT | ||||||||||||||||||||||||||||||
| Cost Of Revenue | 0 | 0 | 0 | 0 | 0 | 1.0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Gross Profit | 104.6 | 106.0 | 103.8 | 90.8 | 72.7 | 65.0 | 57.1 | 55.9 | 58.2 | 57.4 | 61.3 | 66.6 | 49.9 | 57.6 | 56.2 | 46.7 | 46.9 | 47.0 | 46.8 | 45.1 | 43.1 | 40.5 | 34.3 | 27.9 | 33.3 | 31.8 | 5.0 | 4.0 | 5.2 | 3.4 |
| OPERATING INCOME | ||||||||||||||||||||||||||||||
| Operating Expenses | 103.1 | 2.0 | (66.1) | (67.6) | (49.3) | (34.1) | 1.1 | 1.1 | 0.5 | 0.7 | 1.5 | (64.6) | (47.9) | 18.6 | 101.8 | (43.6) | (44.3) | (45.1) | (5.3) | (4.8) | 0.3 | 4.5 | 9.1 | 12.6 | 6.1 | 5.5 | 31.6 | 31.8 | 29.6 | 27.2 |
| Selling, General and Administrative Expenses | 59.6 | 41.8 | 48.5 | 39.1 | 31.3 | 26.7 | 21.6 | 20.6 | 20.6 | 21.3 | 19.8 | 19.5 | 20.4 | 18.1 | 18.0 | 18.8 | 18.5 | 18.0 | 16.1 | 14.7 | 13.0 | 12.1 | 10.7 | 9.5 | 8.8 | 8.4 | 7.7 | 7.6 | 7.0 | 6.6 |
| Research and Development 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 | 0 | 0 |
| Operating Income | 30.5 | 41.9 | 37.7 | 23.2 | 23.4 | 30.9 | 1.3 | 1.7 | 1.6 | 1.3 | 1.8 | 2.0 | 2.0 | 4.3 | 3.0 | 3.1 | 2.6 | 2.0 | 41.5 | 40.3 | 43.4 | 45.0 | 43.4 | 40.4 | 39.4 | 37.3 | 36.6 | 35.9 | 34.8 | 30.6 |
| PRE-TAX INCOME | ||||||||||||||||||||||||||||||
| Interest Income Expense | 33.1 | 9.5 | 6.6 | 9.6 | 10.3 | 4.6 | 3.9 | 3.7 | 4.6 | 5.1 | 5.8 | 9.0 | 13.6 | 19.2 | 24.5 | 31.0 | 33.9 | 30.8 | 25.7 | 22.6 | 23.5 | 26.3 | 28.4 | 30.1 | 24.6 | 22.7 | 23.3 | 23.5 | 24.5 | 20.8 |
| Total Other Income | 0 | (11.8) | (11.7) | (20.4) | (13.2) | (7.7) | (7.6) | (8.4) | (10.6) | (8.3) | (9.3) | (3.0) | (0.8) | (0.3) | (65.0) | (9.3) | 10.5 | 12.8 | (25.7) | (22.6) | (23.5) | (26.3) | (28.4) | (30.1) | (24.6) | (22.7) | (23.3) | (23.5) | (24.5) | (20.8) |
| Pre-Tax Income | 30.5 | 32.4 | 37.7 | 23.2 | 23.4 | 26.3 | 20.6 | 21.1 | 21.8 | 22.8 | 24.8 | 31.1 | 32.1 | 24.9 | (62.0) | 12.4 | 13.1 | 14.8 | 15.8 | 17.7 | 19.9 | 18.7 | 15.1 | 10.3 | 14.8 | 14.6 | 13.3 | 12.4 | 10.4 | 9.8 |
| NET INCOME | ||||||||||||||||||||||||||||||
| Tax Provision | 6.3 | 5.7 | 7.1 | 4.0 | 3.9 | 4.2 | 7.2 | 5.3 | 5.3 | 5.7 | 6.2 | 8.4 | 8.7 | 5.8 | (22.7) | 2.3 | 2.6 | 2.8 | 2.8 | 2.9 | 3.6 | 3.7 | 3.0 | 1.8 | 3.4 | 3.5 | 3.2 | 3.2 | 2.5 | 2.3 |
| Net Income | 24.1 | 26.6 | 30.6 | 19.2 | 19.5 | 22.0 | 13.4 | 15.8 | 16.5 | 17.1 | 18.6 | 22.7 | 23.4 | 19.1 | (39.3) | 10.1 | 10.4 | 12.0 | 13.0 | 14.9 | 16.3 | 15.0 | 12.1 | 8.5 | 11.5 | 11.1 | 10.1 | 9.3 | 7.9 | 7.5 |
| EPS | 1.57 | 1.71 | 1.92 | 1.3 | 1.46 | 1.8 | 1.1 | 1.3 | 1.35 | 1.38 | 1.51 | 1.86 | 1.92 | 1.45 | 4.24 | 1.12 | 1.19 | 1.41 | 1.52 | 1.75 | 1.93 | 1.78 | 1.4 | 0.99 | 1.36 | 1.3 | 1.19 | 1.09 | 0.93 | 0.88 |