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Citizens & Northern Corporation
Citizens & Northern Corporation Score & Ratio Trend
| Date | Score | P/E | P/B | D/E | Price |
|---|---|---|---|---|---|
| Oct 2026 | 20,172 | 17.1 | 1.30 | 0.55 | 2,398.94 |
| Oct 2026 | 20,187 | 17.1 | 1.30 | 0.55 | 2,385.08 |
| Oct 2026 | 20,136 | 17.3 | 1.31 | 0.55 | 2,408.21 |
| Oct 2026 | 20,105 | 17.3 | 1.32 | 0.55 | 2,415.23 |
| Oct 2026 | 20,129 | 17.3 | 1.32 | 0.55 | 2,407.39 |
| Oct 2026 | 20,063 | 17.5 | 1.33 | 0.55 | 2,436.31 |
| Oct 2026 | 20,077 | 17.4 | 1.33 | 0.55 | 2,424.14 |
| Oct 2026 | 19,927 | 18.1 | 1.38 | 0.55 | 2,514.57 |
Citizens & Northern Corporation Quarterly Results
| Line Item | Jun 2026 | Mar 2026 | Dec 2025 | Sep 2025 |
|---|---|---|---|---|
| Revenue | 38,883,000.0 | 36,066,000.0 | 36,327,000.0 | 29,038,000.0 |
| Net Profit | 14,057,000.0 | 273,000.0 | 4,466,000.0 | 6,551,000.0 |
| EPS | 0.8 | 0.0 | 0.2 | 0.4 |
Citizens & Northern Corporation Revenue & Profit: Last 5 Years
| Line Item | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
| Revenue | 120,842,000.0 | 106,506,000.0 | 103,135,000.0 | 105,959,000.0 | — |
| Net Profit | 23,427,000.0 | 25,958,000.0 | 24,148,000.0 | 26,618,000.0 | — |
| EPS | 1.5 | 1.7 | 1.6 | 1.7 | — |
Citizens & Northern Corporation Balance Sheet
| Line Item | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
| Total Assets | 3,132,469,000.0 | 2,610,653,000.0 | 2,515,584,000.0 | 2,454,307,000.0 | — |
| Total Liabilities | 2,790,755,000.0 | 2,335,369,000.0 | 2,253,203,000.0 | 2,204,982,000.0 | — |
| Total Equity | 341,714,000.0 | 275,284,000.0 | 262,381,000.0 | 249,325,000.0 | — |
Owes vs Owns
Citizens & Northern Corporation owed $0.89 for every $1 it owned in Jun 2026, down from $0.90 in Dec 2022.
| Period | Jun 2026 | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 |
|---|---|---|---|---|---|
| Owes vs Owns | 0.89× | 0.89× | 0.89× | 0.90× | 0.90× |
Everything the company owes ÷ everything it owns. Below 1× it owns more than it owes; above 1× it owes more than it owns.
Citizens & Northern Corporation Assets & Liabilities Breakdown (USD millions)
What it owns — Dec 2025
Cash & short-term investments 10.8%Fixed assets (tangible) 0.9%Intangible assets 2.4%Long-term investments 9.3%Other assets 76.3%
How it's funded — Dec 2025
Short-term debt 0.9%Long-term debt 5.1%Other liabilities 83.1%Shareholders' equity 10.9%
| Line Item | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 |
|---|---|---|---|---|
| Assets | ||||
| Cash & short-term investments | 337.4 | 337.6 | 472.6 | 553.1 |
| Receivables | 11.6 | 8.7 | 9.1 | 8.7 |
| Inventory | 0.0 | 0.0 | 0.0 | 0.0 |
| Fixed assets (tangible) | 27.8 | 21.3 | 21.6 | 21.6 |
| Intangible assets | 74.9 | 54.6 | 55.0 | 55.4 |
| Long-term investments | 291.3 | 211.4 | 415.8 | 498.0 |
| Other assets | 2,389.5 | 1,977.0 | 1,541.5 | 1,317.6 |
| Liabilities & equity | ||||
| Short-term debt | 27.0 | 0.0 | 31.5 | 116.1 |
| Long-term debt | 160.9 | 205.2 | 177.9 | 62.6 |
| Payables | 0.0 | 0.0 | 0.0 | 25.6 |
| Other liabilities | 2,602.9 | 2,130.2 | 2,043.8 | 2,000.7 |
| Shareholders' equity | 341.7 | 275.3 | 262.4 | 249.3 |
| Net tangible assets | 266.8 | 220.7 | 207.4 | 193.9 |
Citizens & Northern Corporation Cash Flow
| Line Item | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
| Operating Activities | 32,003,000.0 | 33,035,000.0 | 33,548,000.0 | 34,599,000.0 | — |
| Investing Activities | 196,000.0 | -20,938,000.0 | -53,202,000.0 | -234,688,000.0 | — |
| Financing Activities | -111,067,000.0 | 58,699,000.0 | 24,734,000.0 | 151,939,000.0 | — |