Citizens & Northern Corporation
CZNC · NASDAQ
9/30/2025 | 6/30/2025 | 3/31/2025 | 12/31/2024 | |
|---|---|---|---|---|
| Revenue | $40,425 | $40,193 | $38,330 | $40,528 |
| % Growth | 0.6% | 4.9% | -5.4% | – |
| Cost of Goods Sold | $13,550 | $13,666 | $11,970 | $12,325 |
| Gross Profit | $26,875 | $26,527 | $26,360 | $28,203 |
| % Margin | 66.5% | 66% | 68.8% | 69.6% |
| R&D Expenses | $0 | $0 | $0 | $0 |
| G&A Expenses | $11,293 | $11,067 | $11,759 | $11,470 |
| SG&A Expenses | $11,293 | $11,067 | $11,759 | $11,470 |
| Sales & Mktg Exp. | $0 | $0 | $0 | $0 |
| Other Operating Expenses | $7,567 | $7,928 | $6,897 | $6,612 |
| Operating Expenses | $18,860 | $18,995 | $18,656 | $18,082 |
| Operating Income | $8,015 | $7,532 | $7,704 | $10,121 |
| % Margin | 19.8% | 18.7% | 20.1% | 25% |
| Other Income/Exp. Net | $0 | $0 | $0 | $0 |
| Pre-Tax Income | $8,015 | $7,532 | $7,704 | $10,121 |
| Tax Expense | $1,464 | $1,415 | $1,411 | $1,947 |
| Net Income | $6,551 | $6,117 | $6,293 | $8,174 |
| % Margin | 16.2% | 15.2% | 16.4% | 20.2% |
| EPS | 0.42 | 0.4 | 0.41 | 0.53 |
| % Growth | 5% | -2.4% | -22.6% | – |
| EPS Diluted | 0.42 | 0.4 | 0.41 | 0.53 |
| Weighted Avg Shares Out | 15,372 | 15,359 | 15,339 | 15,433 |
| Weighted Avg Shares Out Dil | 15,372 | 15,359 | 15,339 | 15,433 |
| Supplemental Information | – | – | – | – |
| Interest Income | $33,650 | $32,454 | $31,709 | $33,329 |
| Interest Expense | $11,387 | $11,312 | $11,734 | $12,856 |
| Depreciation & Amortization | $561 | $562 | $553 | $551 |
| EBITDA | $8,576 | $8,094 | $8,257 | $10,672 |
| % Margin | 21.2% | 20.1% | 21.5% | 26.3% |