CZNC NASDAQ
Citizens & Northern Corporation
1W: +8.3%
1M: +8.9%
3M: +12.4%
YTD: +41.2%
1Y: +45.1%
3Y: +78.3%
5Y: +35.3%
$27.84
-0.31 (-1.10%)
Pre-Market: $30.80 (+2.96, +10.61%)
Weekly Expected Move ±3.4%
$26
$27
$28
$29
$30
Credit Risk of going bust: not rated, financial company (lending is its business) Bonds: none of note held by US funds details ▾
Not rated: lending and leverage are a financial company's business, which the model misreads.
US fund filings (SEC N-PORT) show under $25M of this company's bonds, so there is no bond page. Its debt may be bank loans or privately placed. How these are computed.
US fund filings (SEC N-PORT) show under $25M of this company's bonds, so there is no bond page. Its debt may be bank loans or privately placed. How these are computed.
Overview
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Financials
Income Statement
Cash Flow
Balance Sheet
Earnings
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Analysis
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Institutions
ETF Exposure
Dark Pool
Short Interest
Supply Chain
Balance Sheet Trends
Total Assets
$3.1B
+20.0% ▲
5Y CAGR: +6.9%
Total Liabilities
$2.8B
+19.5% ▲
5Y CAGR: +7.6%
Shareholders Equity
$342M
+24.1% ▲
5Y CAGR: +2.7%
Cash & Investments
$337M
-3.2% ▼
5Y CAGR: -5.6%
Total Debt
$193M
-7.0% ▼
5Y CAGR: +16.2%
Net Debt
$147M
+80.4% ▲
Assets vs Liabilities & Equity
Year-over-Year Growth
View Full Balance Sheet
| Line Item | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|
| — Assets — | |||||
| Cash | $105M | $55M | $57M | $126M | $46M |
| Short-Term Investments | $518M | $498M | $416M | $222M | $291M |
| Cash & ST Investments | $623M | $553M | $473M | $349M | $337M |
| Net Receivables | $7M | $9M | $9M | $9M | $12M |
| Inventory | $0 | $0 | $0 | $0 | $0 |
| Other Current Assets | $0 | $0 | $0 | $0 | -$303M |
| Total Current Assets | $630M | $562M | $482M | $357M | $46M |
| Property, Plant & Equip. | $21M | $22M | $22M | $21M | $28M |
| Goodwill & Intangibles | $56M | $55M | $55M | $55M | $75M |
| Long-Term Investments | $1.6B | $1.7B | $1.8B | $2.1B | $2.3B |
| Other Non-Current Assets | $64M | $71M | $111M | $103M | $660M |
| Total Non-Current Assets | $1.7B | $1.9B | $2.0B | $2.3B | $3.1B |
| Total Assets | $2.3B | $2.5B | $2.5B | $2.6B | $3.1B |
| — Liabilities — | |||||
| Accounts Payable | $24M | $26M | $0 | $0 | $0 |
| Short-Term Debt | $2M | $119M | $34M | $2M | $42M |
| Deferred Revenue | $0 | $0 | $0 | $0 | $0 |
| Other Current Liabilities | $1.9B | $2.0B | $2.0B | $2.1B | $0 |
| Total Current Liabilities | $2.0B | $2.1B | $2.0B | $2.1B | $42M |
| Long-Term Debt | $76M | $63M | $178M | $205M | $149M |
| Other Non-Current Liab. | $0 | $0 | $27M | $34M | $2.6B |
| Total Non-Current Liabilities | $76M | $63M | $205M | $239M | $2.8B |
| Total Liabilities | $2.0B | $2.2B | $2.3B | $2.3B | $2.8B |
| — Equity — | |||||
| Common Stock | $16M | $16M | $16M | $16M | $18M |
| Retained Earnings | $143M | $152M | $157M | $166M | $171M |
| Accumulated OCI | $5M | -$50M | -$38M | -$37M | -$23M |
| Total Stockholders Equity | $301M | $249M | $262M | $275M | $342M |
| Total Liabilities & Equity | $2.3B | $2.5B | $2.5B | $2.6B | $3.1B |
| — Key Metrics — | |||||
| Total Debt | $78M | $182M | $212M | $208M | $193M |
| Net Debt | -$27M | $127M | $155M | $81M | $147M |
| Total Investments | $2.1B | $2.2B | $2.2B | $2.3B | $2.6B |