Citizens & Northern Corporation
CZNC · NASDAQ
12/31/2024 | 12/31/2023 | 12/31/2022 | 12/31/2021 | |
|---|---|---|---|---|
| Revenue | $155,469 | $136,239 | $115,478 | $108,949 |
| % Growth | 14.1% | 18% | 6% | – |
| Cost of Goods Sold | $51,158 | $33,290 | $16,774 | $10,223 |
| Gross Profit | $104,311 | $102,949 | $98,704 | $98,726 |
| % Margin | 67.1% | 75.6% | 85.5% | 90.6% |
| R&D Expenses | $0 | $0 | $0 | $0 |
| G&A Expenses | $44,930 | $44,195 | $41,833 | $37,603 |
| SG&A Expenses | $44,930 | $44,195 | $41,833 | $37,603 |
| Sales & Mktg Exp. | $0 | $0 | $0 | $0 |
| Other Operating Expenses | $27,510 | $28,271 | $24,521 | $23,436 |
| Operating Expenses | $72,440 | $72,466 | $66,354 | $61,039 |
| Operating Income | $31,871 | $30,483 | $32,350 | $37,687 |
| % Margin | 20.5% | 22.4% | 28% | 34.6% |
| Other Income/Exp. Net | $0 | $0 | $0 | $0 |
| Pre-Tax Income | $31,871 | $30,483 | $32,350 | $37,687 |
| Tax Expense | $5,913 | $6,335 | $5,732 | $7,133 |
| Net Income | $25,958 | $24,148 | $26,618 | $30,554 |
| % Margin | 16.7% | 17.7% | 23.1% | 28% |
| EPS | 1.69 | 1.57 | 1.71 | 1.92 |
| % Growth | 7.6% | -8.2% | -10.9% | – |
| EPS Diluted | 1.69 | 1.57 | 1.71 | 1.92 |
| Weighted Avg Shares Out | 15,263 | 15,242 | 15,455 | 15,766 |
| Weighted Avg Shares Out Dil | 15,263 | 15,242 | 15,459 | 15,772 |
| Supplemental Information | – | – | – | – |
| Interest Income | $128,078 | $113,504 | $92,647 | $84,501 |
| Interest Expense | $48,963 | $33,104 | $9,519 | $6,562 |
| Depreciation & Amortization | $2,183 | $2,151 | $2,389 | $2,130 |
| EBITDA | $34,054 | $32,634 | $34,739 | $39,817 |
| % Margin | 21.9% | 24% | 30.1% | 36.5% |