State Ledger
Company profile

CITIZENS & NORTHERN CORP CIK 810958

Ticker
CZNC (Nasdaq)
Industry
State Commercial Banks
Headquarters
Wellsboro, PA 16901
Fiscal year end
2025 (FY)
Market Data
Close
$25.17
Change
-$0.18
Change %
-0.69%
Volume
1,223

CZNC · trading date Oct 13, 2026 · previous close $25.35 · source: Alpaca (IEX feed, not consolidated full-market data).

Key Financials
Revenue
—
Net income
$23.43M
Total assets
$3.13B
Total liabilities
$2.79B
Stockholders' equity
$341.71M
Cash & equivalents
$46.06M
Operating income
—
Operating cash flow
$32.00M
Capital expenditures
$1.91M

Fiscal year 2025, via 10-K filed 2026-03-06. A dash means this figure wasn't reported in the source filing under a field State Ledger recognizes - not that the value is zero.

Financial Performance
Operating margin
—
Net margin
—
Free cash flow
$30.10M
Free cash flow margin
—
Liabilities / assets
89.1%
Equity / assets
10.9%
CapEx / revenue
—
Operating cash flow / net income
1.37×

Derived from the fiscal year 2025 figures above. These metrics are mathematical calculations and do not represent a rating or assessment of the company.

Financial History
Fiscal yearRevenueNet incomeAssetsLiabilitiesEquity
2025 — $23.43M $3.13B $2.79B $341.71M
2024 — $25.96M $2.61B $2.34B $275.28M
2023 — $24.15M $2.52B $2.25B $262.38M
2022 — $26.62M $2.45B $2.20B $249.33M
2021 — $30.55M $2.33B $2.03B $301.41M
Company Details
SIC code
6022
State of incorporation
PA
Active filer
Yes
Most recent SEC filing
Form 4
2026-09-08
Financials filed via
Form 10-K
filed 2026-03-06

"Most recent SEC filing" may differ from the filing used for the financial figures above.

Location
Wellsboro, PA 16901
90-92 MAIN ST
Data & Methodology

SEC EDGAR submissions API (identity, collected Sep 19, 2026, 15:11 UTC) and SEC XBRL Company Facts API (financials, collected Sep 26, 2026, 15:51 UTC) · figures as originally filed, not restated · a dash always means a value wasn't reported, never a real zero.

← Back to Pennsylvania — Public Companies