Citizens & Northern Corp
NASDAQ:CZNC

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Citizens & Northern Corp
NASDAQ:CZNC
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Price: 20.17 USD -2.28% Market Closed
Market Cap: 311.2m USD
Financials Section:
Income Statement Balance Sheet Cash Flow Statement

Income Statement

0
Net Interest Income
+0%
Growth Rates:
1 Year
-2%
3 Years
+2%
5 Years
+45%
7 Years
+89%
10 Years
+93%
0
Non Interest Income
+0%
Growth Rates:
1 Year
+20%
3 Years
+13%
5 Years
+51%
7 Years
+78%
10 Years
+77%
0
Net Income
+0%
Growth Rates:
1 Year
+7%
3 Years
-15%
5 Years
+33%
7 Years
+92%
10 Years
+51%

Income Statement
Citizens & Northern Corp

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Income Statement
Currency: USD
Millions
Ones
Thousands
Millions
Billions
TTM
Quarterly
Annual
TTM
Dec-2014 Mar-2015 Jun-2015 Sep-2015 Dec-2015 Mar-2016 Jun-2016 Sep-2016 Dec-2016 Mar-2017 Jun-2017 Sep-2017 Dec-2017 Mar-2018 Jun-2018 Sep-2018 Dec-2018 Mar-2019 Jun-2019 Sep-2019 Dec-2019 Mar-2020 Jun-2020 Sep-2020 Dec-2020 Mar-2021 Jun-2021 Sep-2021 Dec-2021 Mar-2022 Jun-2022 Sep-2022 Dec-2022 Mar-2023 Jun-2023 Sep-2023 Dec-2023 Mar-2024 Jun-2024 Sep-2024 Dec-2024
Revenue
Net Interest Income
41
41
40
40
40
40
40
40
40
41
41
41
42
43
44
45
46
47
49
52
55
57
57
62
68
73
78
78
78
78
79
81
83
84
84
83
80
79
78
78
79
Interest Income
46
46
45
45
45
44
44
44
44
44
45
45
46
47
48
49
50
52
56
61
65
69
68
73
77
82
86
85
85
85
85
88
93
97
104
109
114
118
121
125
128
Interest Expense
5
5
5
5
5
4
4
4
4
4
4
4
4
4
4
4
5
5
7
9
10
12
11
11
10
9
8
7
7
6
6
7
10
13
19
26
33
39
43
47
49
Non Interest Income
17
16
17
17
18
19
18
18
17
17
17
16
16
17
19
20
21
21
19
19
19
20
21
23
25
26
27
26
26
25
25
25
24
24
24
25
24
25
27
27
29
Revenue
57
N/A
57
-1%
58
+1%
57
-2%
58
+3%
59
+1%
58
-1%
59
+1%
57
-3%
57
+0%
58
+1%
58
+0%
58
+1%
60
+2%
62
+5%
64
+3%
66
+3%
67
+1%
69
+2%
71
+4%
74
+3%
77
+5%
78
+1%
85
+9%
92
+8%
100
+8%
105
+5%
104
0%
104
0%
103
-1%
105
+1%
105
+1%
108
+2%
108
+0%
108
+0%
108
0%
105
-3%
104
-1%
104
+0%
106
+1%
108
+3%
Pre-Tax Income
Loan Loss Provision
(0)
(1)
(1)
(1)
(1)
(1)
(1)
(2)
(1)
(1)
(1)
(1)
(1)
(1)
(1)
(0)
(1)
1
1
(0)
(1)
(3)
(3)
(4)
(4)
(3)
(4)
(3)
(4)
(4)
(4)
(6)
(7)
(6)
(7)
(1)
(0)
(1)
(1)
(4)
(2)
Non Interest Expense
(34)
(34)
(35)
(34)
(36)
(36)
(36)
(36)
(35)
(35)
(36)
(36)
(37)
(38)
(38)
(39)
(40)
(41)
(46)
(47)
(50)
(52)
(50)
(60)
(65)
(68)
(70)
(64)
(63)
(64)
(65)
(67)
(68)
(70)
(72)
(72)
(74)
(73)
(74)
(74)
(74)
Pre-Tax Income
23
N/A
22
-3%
22
+1%
22
0%
22
-2%
21
-2%
21
-3%
21
0%
21
+2%
21
-1%
21
+2%
21
-2%
21
-1%
21
+3%
24
+11%
25
+6%
26
+5%
27
+3%
24
-13%
24
-1%
23
0%
22
-5%
25
+11%
22
-13%
23
+8%
29
+26%
31
+7%
37
+18%
38
+2%
35
-7%
35
+1%
32
-10%
32
+2%
32
-2%
30
-5%
34
+14%
30
-11%
29
-4%
29
+0%
28
-6%
32
+15%
Net Income
Tax Provision
(6)
(6)
(6)
(6)
(5)
(5)
(5)
(5)
(5)
(5)
(5)
(5)
(5)
(5)
(5)
(5)
(4)
(4)
(4)
(4)
(4)
(4)
(4)
(4)
(4)
(5)
(6)
(7)
(7)
(7)
(6)
(6)
(6)
(6)
(5)
(6)
(6)
(6)
(6)
(6)
(6)
Income from Continuing Operations
17
17
17
17
17
16
16
16
16
16
16
16
16
17
19
20
22
23
20
20
20
19
20
18
19
24
25
30
31
29
29
26
27
26
25
28
24
23
23
22
26
Net Income (Common)
17
N/A
17
-3%
17
+1%
17
0%
17
-2%
16
-2%
16
-3%
16
-1%
16
+1%
16
-1%
16
+1%
16
-1%
13
-14%
14
+7%
17
+16%
18
+10%
22
+20%
23
+3%
20
-12%
20
-1%
19
-1%
18
-5%
20
+10%
18
-12%
19
+7%
24
+24%
25
+7%
30
+18%
30
+2%
28
-6%
29
+1%
26
-10%
26
+2%
26
-2%
24
-6%
27
+13%
24
-13%
23
-4%
23
+0%
22
-5%
26
+18%
EPS (Diluted)
1.38
N/A
1.35
-2%
1.36
+1%
1.37
+1%
1.35
-1%
1.33
-1%
1.29
-3%
1.28
-1%
1.3
+2%
1.29
-1%
1.31
+2%
1.29
-2%
1.09
-16%
1.17
+7%
1.35
+15%
1.48
+10%
1.79
+21%
1.84
+3%
1.46
-21%
1.43
-2%
1.46
+2%
1.36
-7%
1.48
+9%
1.12
-24%
1.3
+16%
1.49
+15%
1.6
+7%
1.89
+18%
1.92
+2%
1.81
-6%
1.85
+2%
1.67
-10%
1.71
+2%
1.67
-2%
1.58
-5%
1.81
+15%
1.57
-13%
1.51
-4%
1.52
+1%
1.44
-5%
1.69
+17%

See Also

Summary
CZNC intrinsic value, competitors valuation, and company profile.
DCF Valuation
CZNC stock valuation using Discount Cash Flow valuation method.
Relative Valuation
CZNC stock valuation using valuation multiples.
Wall Street Estimates
CZNC price targets and financial estimates made by Wall st analysts.
Profitability Analysis
Detailed analysis of the company's profitability.
Solvency Analysis
Analysis of the financial position and solvency of the company.
Financials
Income Statement, Balance Sheet, Cash Flow Statement.
Discount Rate
CZNC stock discount rate: cost of equity and WACC.
Summary
DCF Valuation
Relative Valuation
Wall Street Estimates
Profitability Analysis
Solvency Analysis
Financials
Discount Rate
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