# Citizens & Northern Corporation (CZNC)

> Financial Services · US · Reports in USD

Fundamental indicators from Sponda, adjusted for inflation.

[HTML version](https://sponda.capital/en/CZNC/fundamentals)

## Annual figures

| Year | Revenue (M) | Net Inc. (M) | FCF (M) | Debt (M) | Equity (M) |
| --- | --- | --- | --- | --- | --- |
| 2026 | $ 87.89M | $ 14.33M | $ 24.08M | $ 170.04M | $ 346.14M |
| 2025 | $ 158.67M | $ 23.99M | $ 30.82M | $ 193.05M | $ 341.30M |
| 2024 | $ 163.41M | $ 27.28M | $ 32.72M | $ 207.67M | $ 275.28M |
| 2023 | $ 147.31M | $ 26.11M | $ 33.82M | $ 211.76M | $ 262.38M |
| 2022 | $ 129.00M | $ 29.74M | $ 34.98M | $ 181.78M | $ 249.33M |
| 2021 | $ 129.50M | $ 36.32M | $ 39.20M | $ 77.56M | $ 301.41M |
| 2020 | $ 127.96M | $ 24.49M | $ 27.58M | $ 91.18M | $ 299.76M |
| 2019 | $ 107.10M | $ 25.17M | $ 25.29M | $ 144.85M | $ 244.45M |
| 2018 | $ 91.99M | $ 29.07M | $ 32.65M | $ 48.77M | $ 197.37M |
| 2017 | $ 82.16M | $ 18.10M | $ 23.81M | $ 70.96M | $ 188.44M |
| 2016 | $ 82.04M | $ 21.69M | $ 23.29M | $ 64.63M | $ 186.01M |
| 2015 | $ 86.86M | $ 23.13M | $ 26.18M | $ 92.26M | $ 187.49M |
| 2014 | $ 87.05M | $ 24.14M | $ 30.35M | $ 78.60M | $ 188.36M |
| 2013 | $ 93.96M | $ 26.45M | $ 42.34M | $ 96.72M | $ 179.47M |
| 2012 | $ 108.92M | $ 32.78M | $ 37.58M | $ 89.38M | $ 182.79M |
| 2011 | $ 115.12M | $ 34.33M | $ 53.57M | $ 135.26M | $ 167.39M |
| 2010 | $ 118.63M | $ 28.85M | $ 51.99M | $ 166.91M | $ 138.94M |
| 2009 | $ 121.29M | $ -59.56M | $ 17.74M | $ 235.47M | $ 152.41M |
| 2008 | $ 117.77M | $ 15.23M | $ 25.92M | $ 285.47M | $ 122.03M |
| 2007 | $ 122.32M | $ 15.78M | $ 11.40M | $ 300.13M | $ 137.78M |
| 2006 | $ 117.83M | $ 18.15M | $ 10.39M | $ 228.44M | $ 129.89M |

Columns not available in this view: annualPriceMultiples, dividends. They require live market data and are shown on the HTML page instead.

## Leverage and liquidity

| Indicator | Value |
| --- | --- |
| Gross Debt / Eq | 0.49 |
| Liabilities / Eq | 8.11 |
| Current Ratio | 40.31 |

## Debt coverage

| Indicator | Value |
| --- | --- |
| Gross Debt / Earnings | 6.39 |
| Gross Debt / FCF | 5.36 |

## Other views

- [Metrics](https://sponda.capital/en/CZNC.md)
- [Charts](https://sponda.capital/en/CZNC/charts.md)
- [Compare](https://sponda.capital/en/CZNC/compare.md)
- [Indicator definitions](https://sponda.capital/en/screener.md)

Data as of 2026-08-30.