← CITIZENS & NORTHERN CORP CZNC
Market Price
$25.93
Market Cap
$466.01M
P/E Ratio
17.76
Revenue (FY 2025)
↑13.3% YoY
$122.70M
3-Yr CAGR: 4.5%
Net Income
↓-9.8% YoY
$23.43M
Net Margin: 19.1%
Free Cash Flow
↓-3.3% YoY
$30.10M
FCF Yield: 6.46%
EPS (Diluted)
↓-13.6% YoY
$1.46
Basic: $1.46
Return on Equity
Efficiency
6.9%
ROA: 0.7%
📊 Multi-Year Historical Performance & Trends
Financial Performance History
Revenue, Net Income & Free Cash Flow
Margins Trend (%)
Gross, Operating & Net Margins
Balance Sheet Strength
Cash, Debt & Equity
Cash Flow Generation
Operating Cash Flow vs CapEx vs FCF
📈 Year-over-Year (YoY) Growth History (CZNC)
All monetary values in millions ($M)| Fiscal Year | Revenue | Revenue YoY | Gross Profit | Net Income | Net Inc YoY | Diluted EPS | EPS YoY | Op. Cash Flow | Free Cash Flow | FCF YoY |
|---|---|---|---|---|---|---|---|---|---|---|
| FY 2016 | $57.1M | — | $53.4M | $15.8M | — | $1.30 | — | $18.5M | $16.9M | — |
| FY 2017 | $58.4M | +2.2% | $54.4M | $13.4M | -14.8% | $1.10 | -15.4% | $19.4M | $17.7M | +4.4% |
| FY 2018 | $66.3M | +13.7% | $61.7M | $22.0M | +63.9% | $1.79 | +62.7% | $25.9M | $24.7M | +39.9% |
| FY 2019 | $73.8M | +11.2% | $63.5M | $19.5M | -11.4% | $1.46 | -18.4% | $22.5M | $19.6M | -20.8% |
| FY 2020 | $92.1M | +24.8% | $82.5M | $19.2M | -1.4% | $1.30 | -11.0% | $24.8M | $21.6M | +10.5% |
| FY 2021 | $103.8M | +12.8% | $97.3M | $30.6M | +59.0% | $1.92 | +47.7% | $34.8M | $33.0M | +52.4% |
| FY 2022 | $107.6M | +3.6% | $98.0M | $26.6M | -12.9% | $1.71 | -10.9% | $34.6M | $31.3M | -5.1% |
| FY 2023 | $104.8M | -2.6% | $71.7M | $24.1M | -9.3% | $1.57 | -8.2% | $33.5M | $31.3M | -0.1% |
| FY 2024 | $108.3M | +3.3% | $59.4M | $26.0M | +7.5% | $1.69 | +7.6% | $33.0M | $31.1M | -0.5% |
| FY 2025 | $122.7M | +13.3% | $75.3M | $23.4M | -9.8% | $1.46 | -13.6% | $32.0M | $30.1M | -3.3% |
Valuation
Market Price
$25.93
Market Cap
$466.01M
Enterprise Value
N/A
P/E Ratio
17.76
P/B Ratio
1.36
FCF Yield
6.46%
Dividend Yield
N/A
Shares Outstanding
Profitability & Margins
Gross Margin
61.40%
Operating Margin
23.34%
Net Margin
19.09%
Return on Equity (ROE)
6.86%
Return on Assets (ROA)
0.75%
Asset Turnover
0.04x
Revenue 3-Yr CAGR
4.49%
Financial Health & Liquidity
Current Ratio
N/A
Cash Ratio
N/A
Debt / Equity
N/A
Debt / Assets
N/A
Cash & Equivalents
$46.06M
Total Debt
N/A
Book Value / Share
$19.07
Cash Flow Efficiency
Operating Cash Flow
$32.00M
Capital Expenditures (CapEx)
$1.91M
Free Cash Flow
$30.10M
OCF / Revenue
26.08%
FCF / Revenue
24.53%
FCF 3-Yr CAGR
-1.31%
Per Share Metrics
EPS (Diluted)
$1.46
EPS (Basic)
$1.46
Dividends / Share
N/A
Book Value / Share
$19.07
EPS YoY Growth
-13.61%
Balance Sheet (FY 2025)
Total Assets
$3.13B
Total Liabilities
$2.79B
Stockholders' Equity
$341.71M
Current Assets
N/A
Current Liabilities
N/A