CITIZENS & NORTHERN CORP
Financial highlights
| Metric | FY 12/31/25 | FY 12/31/24 | FY 12/31/23 | FY 12/31/22 | FY 12/31/21 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Interest expense | — | — | $33.1M | $9.5M | $6.6M |
| Pretax income | $28.6M | $31.9M | $30.5M | $32.4M | $37.7M |
| Income tax expense | $5.2M | $5.9M | $6.3M | $5.7M | $7.1M |
| Net income | $23.4M | $26.0M | $24.1M | $26.6M | $30.6M |
| Balance Sheet | |||||
| Cash and equivalents | $46.1M | $126.2M | $56.9M | $55.0M | $104.9M |
| Total assets | $3.1B | $2.6B | $2.5B | $2.5B | $2.3B |
| Total liabilities | $2.8B | $2.3B | $2.3B | $2.2B | $2.0B |
| Stockholders' equity | $341.7M | $275.3M | $262.4M | $249.3M | $301.4M |
| Cash Flow Statement | |||||
| Cash from operations | $32.0M | $33.0M | $33.5M | $34.6M | $34.8M |
| Depreciation and amortization | $2.4M | $2.2M | $2.2M | $2.4M | $2.1M |
| Stock-based compensation | $1.3M | $1.5M | $1.5M | $1.3M | $1.2M |
| Capital expenditure | $1.9M | $1.9M | $2.3M | $3.3M | $1.9M |
| Free cash flow | $30.1M | $31.1M | $31.3M | $31.3M | $33.0M |
| Dividends paid | $16.3M | $15.5M | $15.6M | $15.9M | $16.0M |
| Impairments | $0 | $0 | $0 | $0 | $0 |
Shares outstanding 17.9M · Free float 92.1%
Annual filing data through FY ended December 31, 2025; float as of July 11, 2026.