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CITIZENS & NORTHERN CORP
CIK 810958Updated Nov 11, 2026
SecurityCZNC · NASDAQ · equity
CZNC price & chart
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Recent filings
Regulation FD Disclosure
Items 7.01, 9.01
13F-HR filing
10-Q filing
Other Events
Items 8.01, 9.01
Results of Operations and Financial Condition
Items 2.02, 9.01
Show 5 more recent filings
Financials
FY 2025 · USDSource
Source
Source
balance sheet · annual statements
| Line item | Q3 2025 | Q3 2024 | Q2 2026 | Q2 2025 | Q2 2024 | Q1 2026 | Q1 2025 | Q1 2024 | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ASSETS | ||||||||||||
| AssetsUSD | 2,664,033,000Source | 2,670,822,000Source | 3,151,984,000Source | 2,610,875,000Source | 2,593,122,000Source | 3,164,340,000Source | 2,609,228,000Source | 2,521,537,000Source | 3,132,469,000Source | 2,610,653,000Source | 2,515,584,000Source | 2,454,307,000Source |
| Property, Plant and Equipment, NetUSD | 21,055,000Source | 21,537,000Source | 26,712,000Source | 21,195,000Source | 21,966,000Source | 27,256,000Source | 21,304,000Source | 21,852,000Source | 27,755,000Source | 21,338,000Source | 21,632,000Source | 21,574,000Source |
| GoodwillUSD | 52,505,000Source | 52,505,000Source | 63,311,000Source | 52,505,000Source | 52,505,000Source | 63,311,000Source | 52,505,000Source | 52,505,000Source | 63,311,000Source | 52,505,000Source | 52,505,000Source | 52,505,000Source |
| Current assets: | ||||||||||||
| Cash and Cash Equivalents, at Carrying ValueUSD | 123,090,000Source | 184,213,000Source | 82,537,000Source | 99,619,000Source | 100,412,000Source | 54,798,000Source | 114,738,000Source | 46,448,000Source | 46,056,000Source | 126,174,000Source | 56,878,000Source | 55,048,000Source |
| Operating Lease, Right-of-Use AssetUSD | — | — | — | — | — | — | — | — | 3,579,000Source | 3,151,000Source | 3,570,000Source | 4,133,000Source |
| LIABILITIES AND EQUITY | ||||||||||||
| LiabilitiesUSD | 2,370,074,000Source | 2,393,517,000Source | 2,805,845,000Source | 2,324,518,000Source | 2,329,901,000Source | 2,828,776,000Source | 2,327,397,000Source | 2,259,881,000Source | 2,790,755,000Source | 2,335,369,000Source | 2,253,203,000Source | 2,204,982,000Source |
| Stockholders’ equity: | ||||||||||||
| Additional Paid in CapitalUSD | 143,352,000Source | 143,206,000Source | 184,340,000Source | 142,982,000Source | 143,352,000Source | 184,325,000Source | 142,968,000Source | 143,016,000Source | 185,696,000Source | 143,565,000Source | 144,388,000Source | 143,950,000Source |
| Retained Earnings (Accumulated Deficit)USD | 171,733,000Source | 161,920,000Source | 175,519,000Source | 169,521,000Source | 159,859,000Source | 166,476,000Source | 167,741,000Source | 158,051,000Source | 171,214,000Source | 165,778,000Source | 157,028,000Source | 151,743,000Source |
| Accumulated Other Comprehensive Income (Loss), Net of TaxUSD | -26,026,000Source | -30,064,000Source | -23,961,000Source | -30,674,000Source | -41,361,000Source | -24,762,000Source | -32,690,000Source | -40,706,000Source | -22,795,000Source | -36,761,000Source | -38,437,000Source | -49,878,000Source |
| Stockholders' Equity Attributable to ParentUSD | 293,959,000Source | 277,305,000Source | 346,139,000Source | 286,357,000Source | 263,221,000Source | 335,564,000Source | 281,831,000Source | 261,656,000Source | 341,714,000Source | 275,284,000Source | 262,381,000Source | 249,325,000Source |
| Liabilities and EquityUSD | 2,664,033,000Source | 2,670,822,000Source | 3,151,984,000Source | 2,610,875,000Source | 2,593,122,000Source | 3,164,340,000Source | 2,609,228,000Source | 2,521,537,000Source | 3,132,469,000Source | 2,610,653,000Source | 2,515,584,000Source | 2,454,307,000Source |
cash flow · annual statements
| Line item | Q4 2025 | Q4 2024 | Q3 2025 | Q3 2024 | Q2 2026 | Q2 2025 | Q1 2026 | Q1 2025 | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash flows from operating activities: | ||||||||||||
| Net Income (Loss), Including Portion Attributable to Noncontrolling InterestUSD | — | — | — | — | — | — | 273,000Source | 6,293,000Source | 23,427,000Source | 25,958,000Source | 24,148,000Source | 26,618,000Source |
| Adjustments to reconcile net income to net cash provided by operating activities: | ||||||||||||
| Depreciation, Depletion and AmortizationUSD | — | — | — | — | — | — | 687,000Source | 553,000Source | 2,363,000Source | 2,183,000Source | 2,151,000Source | 2,389,000Source |
| Deferred Income Tax Expense (Benefit)USD | — | — | — | — | — | — | -658,000Source | 759,000Source | 2,718,000Source | -1,504,000Source | 836,000Source | -400,000Source |
| Net Cash Provided by (Used in) Operating ActivitiesUSD | — | — | — | — | — | — | 8,654,000Source | 1,583,000Source | 32,003,000Source | 33,035,000Source | 33,548,000Source | 34,599,000Source |
| Cash flows from investing activities: | ||||||||||||
| Payments to Acquire Businesses, Net of Cash AcquiredUSD | — | — | — | — | — | — | — | — | — | — | — | 0Source |
| Net Cash Provided by (Used in) Investing ActivitiesUSD | — | — | — | — | — | — | -34,036,000Source | -4,166,000Source | 196,000Source | -20,938,000Source | -53,202,000Source | -234,688,000Source |
| Payments for (Proceeds from) Other Investing ActivitiesUSD | — | — | — | — | — | — | -32,000Source | -41,000Source | -42,000Source | -33,000Source | -109,000Source | -203,000Source |
| Payments to Acquire Property, Plant, and EquipmentUSD | — | — | — | — | — | — | 188,000Source | 542,000Source | 1,905,000Source | 1,906,000Source | 2,265,000Source | 3,288,000Source |
| Cash flows from financing activities: | ||||||||||||
| Net Cash Provided by (Used in) Financing ActivitiesUSD | — | — | — | — | — | — | 34,124,000Source | -8,853,000Source | -111,067,000Source | 58,699,000Source | 24,734,000Source | 151,939,000Source |
| Payments of Ordinary Dividends, Common StockUSD | — | — | — | — | — | — | 4,596,000Source | 3,932,000Source | 16,293,000Source | 15,530,000Source | 15,569,000Source | 15,865,000Source |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash EquivalentsUSD | — | — | 121,490,000Source | 181,363,000Source | 81,437,000Source | 97,269,000Source | 53,448,000Source | 112,138,000Source | 44,706,000Source | 123,574,000Source | — | — |
| Supplemental disclosure of cash flow information: | ||||||||||||
| Interest Paid, Excluding Capitalized Interest, Operating ActivitiesUSD | — | — | — | — | — | — | 12,076,000Source | 11,282,000Source | 49,049,000Source | 48,563,000Source | 31,936,000Source | 9,497,000Source |
| Income Taxes Paid, NetUSD | — | — | — | — | — | — | — | — | 8,795,000Source | — | — | — |
| Additional Financial Items | ||||||||||||
| Share-based Payment Arrangement, ExpenseUSD | — | — | — | — | — | — | — | — | 1,287,000Source | 1,494,000Source | 1,472,000Source | 1,260,000Source |
| Amortization of Intangible AssetsUSD | — | — | 106,000Source | 97,000Source | 814,000Source | 106,000Source | 815,000Source | 106,000Source | 1,197,000Source | 389,000Source | 408,000Source | 439,000Source |
| Bank Owned Life Insurance IncomeUSD | — | — | 477,000Source | 458,000Source | 527,000Source | 466,000Source | 515,000Source | 457,000Source | 1,927,000Source | 1,830,000Source | 2,703,000Source | 545,000Source |
| Debt Securities, Available-for-sale, Realized Gain (Loss)USD | — | — | — | 0Source | 1,000Source | 0Source | 26,000Source | 0Source | 38,000Source | 0Source | -3,036,000Source | 20,000Source |
| Depreciation, NonproductionUSD | — | — | — | — | — | — | — | — | 2,363,000Source | 2,183,000Source | 2,151,000Source | 2,389,000Source |
| FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversalUSD | — | — | 1,869,000Source | 1,297,000Source | -1,652,000Source | 2,075,000Source | 13,592,000Source | 228,000Source | 5,556,000Source | 2,430,000Source | — | — |
| Gain (Loss) on Sale of InvestmentsUSD | — | — | — | — | — | — | 26,000Source | 0Source | 38,000Source | 0Source | -3,036,000Source | — |
| Gain (Loss) on Sales of Loans, NetUSD | — | — | 408,000Source | 360,000Source | 608,000Source | 312,000Source | 370,000Source | 205,000Source | 1,483,000Source | 1,158,000Source | 723,000Source | 757,000Source |
| GoodwillUSD | — | — | 52,505,000Source | 52,505,000Source | 63,311,000Source | 52,505,000Source | 63,311,000Source | 52,505,000Source | 63,311,000Source | 52,505,000Source | 52,505,000Source | 52,505,000Source |
| Goodwill, Impairment LossUSD | — | — | — | — | — | — | — | — | 0Source | 0Source | 0Source | 0Source |
| Income Tax Expense (Benefit)USD | — | — | 1,464,000Source | 1,448,000Source | 3,368,000Source | 1,415,000Source | 62,000Source | 1,411,000Source | 5,216,000Source | 5,913,000Source | 6,335,000Source | 5,732,000Source |
| Net Income (Loss) Attributable to ParentUSD | — | — | 6,551,000Source | 6,365,000Source | 14,057,000Source | 6,117,000Source | 273,000Source | 6,293,000Source | 23,427,000Source | 25,958,000Source | 24,148,000Source | 26,618,000Source |
| Net Income (Loss) Available to Common Stockholders, BasicUSD | — | — | 6,498,000Source | 6,311,000Source | 14,057,000Source | 6,068,000Source | 273,000Source | 6,242,000Source | 23,245,000Source | 25,747,000Source | 23,962,000Source | 26,381,000Source |
| Operating Lease, ExpenseUSD | — | — | — | — | — | — | — | — | 792,000Source | 666,000Source | 644,000Source | 599,000Source |
| Proceeds from Maturities, Prepayments and Calls of Debt Securities, Available-for-saleUSD | — | — | — | — | — | — | 15,943,000Source | 7,306,000Source | 50,778,000Source | 39,188,000Source | 52,323,000Source | 58,673,000Source |
| Provision for Loan, Lease, and Other LossesUSD | — | — | 2,163,000Source | 1,207,000Source | -1,846,000Source | 2,354,000Source | 13,602,000Source | 236,000Source | 6,073,000Source | 2,195,000Source | 186,000Source | 7,255,000Source |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate Effect | — | — | — | — | — | — | —Source | —Source | — | — | — | — |
| Equity Securities, FV-NI, Unrealized Gain (Loss) | — | — | —Source | —Source | —Source | —Source | —Source | —Source | — | — | — | — |
income statement · annual statements
| Line item | Q4 2025 | Q4 2024 | Q3 2025 | Q3 2024 | Q2 2026 | Q2 2025 | Q1 2026 | Q1 2025 | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling InterestUSD | — | — | 8,015,000Source | 7,813,000Source | 17,425,000Source | 7,532,000Source | 335,000Source | 7,704,000Source | 28,643,000Source | 31,871,000Source | 30,483,000Source | 32,350,000Source |
| Income Tax Expense (Benefit)USD | — | — | 1,464,000Source | 1,448,000Source | 3,368,000Source | 1,415,000Source | 62,000Source | 1,411,000Source | 5,216,000Source | 5,913,000Source | 6,335,000Source | 5,732,000Source |
| Net Income (Loss) Attributable to ParentUSD | — | — | 6,551,000Source | 6,365,000Source | 14,057,000Source | 6,117,000Source | 273,000Source | 6,293,000Source | 23,427,000Source | 25,958,000Source | 24,148,000Source | 26,618,000Source |
| Earnings Per Share, BasicUSD per share | — | — | 0.42Source | 0.41Source | 0.79Source | 0.4Source | 0.02Source | 0.41Source | 1.46Source | 1.69Source | 1.57Source | 1.71Source |
| Earnings Per Share, DilutedUSD per share | — | — | 0.42Source | 0.41Source | — | 0.4Source | 0.02Source | 0.41Source | — | 1.69Source | 1.57Source | 1.71Source |
| Weighted Average Number of Shares Outstanding, Basicshares | — | — | 15,398,262Source | 15,267,120Source | 17,771,901Source | 15,359,004Source | 17,732,537Source | 15,338,532Source | 15,949,789Source | 15,262,504Source | 15,241,859Source | 15,455,432Source |
| Weighted Average Number of Shares Outstanding, Dilutedshares | — | — | 15,398,262Source | 15,267,120Source | — | 15,359,004Source | 17,732,537Source | 15,338,532Source | — | 15,262,504Source | 15,241,859Source | 15,458,531Source |
| Additional Financial Items | ||||||||||||
| Amortization of Intangible AssetsUSD | — | — | 106,000Source | 97,000Source | 814,000Source | 106,000Source | 815,000Source | 106,000Source | 1,197,000Source | 389,000Source | 408,000Source | 439,000Source |
| Bank Owned Life Insurance IncomeUSD | — | — | 477,000Source | 458,000Source | 527,000Source | 466,000Source | 515,000Source | 457,000Source | 1,927,000Source | 1,830,000Source | 2,703,000Source | 545,000Source |
| Business Combination, Acquisition Related CostsUSD | — | — | — | — | 0Source | 167,000Source | — | — | — | — | — | 0Source |
| Current Income Tax Expense (Benefit)USD | — | — | — | — | — | — | — | — | — | 7,417,000Source | 5,499,000Source | 5,998,000Source |
| FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversalUSD | — | — | 1,869,000Source | 1,297,000Source | -1,652,000Source | 2,075,000Source | 13,592,000Source | 228,000Source | 5,556,000Source | 2,430,000Source | — | — |
| Goodwill, Impairment LossUSD | — | — | — | — | — | — | — | — | 0Source | 0Source | 0Source | 0Source |
| Interest ExpenseUSD | — | — | — | — | — | — | — | — | — | — | 33,104,000Source | 9,519,000Source |
| InterestExpenseOperatingUSD | — | — | 11,387,000Source | 12,931,000Source | 11,948,000Source | 11,312,000Source | 12,134,000Source | 11,734,000Source | 47,364,000Source | 48,963,000Source | — | — |
| Interest Income (Expense), NetUSD | — | — | 22,263,000Source | 20,156,000Source | 29,618,000Source | 21,142,000Source | 28,454,000Source | 19,975,000Source | 91,853,000Source | 79,115,000Source | 80,400,000Source | 83,128,000Source |
| Net Income (Loss) Available to Common Stockholders, BasicUSD | — | — | 6,498,000Source | 6,311,000Source | 14,057,000Source | 6,068,000Source | 273,000Source | 6,242,000Source | 23,245,000Source | 25,747,000Source | 23,962,000Source | 26,381,000Source |
| Operating Lease, ExpenseUSD | — | — | — | — | — | — | — | — | 792,000Source | 666,000Source | 644,000Source | 599,000Source |
| Undistributed Earnings (Loss) Allocated to Participating Securities, BasicUSD | — | — | 53,000Source | 54,000Source | 0Source | 49,000Source | 0Source | 51,000Source | 182,000Source | 211,000Source | 186,000Source | 237,000Source |
Offerings
Registration 333-288838
Filing attachments
cznc-ex99d1.htm · 8-K · 2026-11-10
Exhibit 99.1 Investor Presentation Data as of or for the period ended September 30, 2026, unless otherwise noted EX 99.1 CAUTION REGARDING FORWARD LOOKING STATEMENTS This presentation contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995 that relate to future events or the future performance of the Company. Forward-looking statements are not guarantees of performance or results. These forward-looking statements are based on t…
Read attachment ↗cznc-20251107xex99d1.htm · 8-K · 2025-11-07
EX-99.1 2 cznc-20251107xex99d1.htm EX-99.1 Exhibit 99.1 Piper Sandler & Co. Piper Sandler & Co. Financial Services Conference November 11, 2025 ───────────────────────────────── CAUTION REGARDING FORWARD LOOKING STATEMENTS This presentation contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995 that relate to future events or the future performance of the Company. Forward-looking statements are not guarantees of performan…
Read attachment ↗cznc-20251001xex99d1.htm · 8-K · 2025-10-01
EX-99.1 2 cznc-20251001xex99d1.htm EX-99.1 EXHIBIT 99.1 Citizens & Northern Corporation and Susquehanna Community Financial, Inc. Announce Completion of Merger For Immediate Release Contact: Charity Frantz (570) 724-0225 charityf@cnbankpa.com WELLSBORO, PA. AND WEST MILTON, PA. -- Citizens & Northern Corporation (“C&N”) (NASDAQ: CZNC), headquartered in Wellsboro, Pennsylvania, and Susquehanna Community Financial, Inc. (“Susquehanna”) (OTCPK: SQCF), headquartered in Wes…
Read attachment ↗cznc-20250922xex99d1.htm · 8-K · 2025-09-22
EX-99.1 2 cznc-20250922xex99d1.htm EX-99.1 EXHIBIT 99.1 Citizens & Northern Corporation and Susquehanna Community Financial, Inc. Announce Receipt of Regulatory and Shareholders’ Approvals for Merger September 22, 2025 For Immediate Release Contact: Charity Frantz (570) 724-0225 charityf@cnbankpa.com WELLSBORO, PA. AND WEST MILTON, PA. -- Citizens & Northern Corporation (“C&N”) (NASDAQ: CZNC), headquartered in Wellsboro, Pennsylvania, and Susquehanna Community Financia…
Read attachment ↗tm2514179d4_ex99-1.htm · S-4/A · 2025-08-04
EX-99.1 5 tm2514179d4_ex99-1.htm EXHIBIT 99.1 Exhibit 99.1 A Proposals — The Board recommends a vote FOR the Susquehanna merger proposal and FOR the Susquehanna adjournment proposal. 046IPD 1. Susquehanna merger proposal: Proposal to approve and adopt the Agreement and Plan of Merger, dated as of April 23, 2025, by and between Susquehanna Community Financial, Inc. (“Susquehanna”) and Citizens & Northern Corporation (“C&N”), which provides for, among other things, the merger of…
Read attachment ↗cznc-20250724xex99d1.htm · 8-K · 2025-07-24
EX-99.1 2 cznc-20250724xex99d1.htm EX-99.1 Exhibit 99.1 Contact: Charity Frantz July 24, 2025 570-724-0225 charityf@cnbankpa.com C&N DECLARES DIVIDEND AND ANNOUNCES SECOND QUARTER 2025 UNAUDITED FINANCIAL RESULTS For Immediate Release: Wellsboro, PA - Citizens & Northern Corporation (“C&N”) (NASDAQ: CZNC) announced its most recent dividend declaration and its unaudited, consolidated financial results for the three-month and six-month perio…
Read attachment ↗