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%)
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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Institutions
ETF Exposure
Dark Pool
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Cash Flow Trends
Operating Cash Flow
$32M
-3.1% ▼
5Y CAGR: +5.2%
Capital Expenditures
$2M
+0.1% ▲
5Y CAGR: -9.5%
Free Cash Flow
$28M
-9.6% ▼
5Y CAGR: +5.4%
Dividends Paid
$16M
-4.9% ▼
Buybacks
$218K
+65.3% ▲
Net Change in Cash
-$79M
-211.4% ▼
Cash Flow Composition
Year-over-Year Growth
View Full Cash Flow Statement
| Line Item | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|
| — Operating Activities — | |||||
| Net Income | $31M | $27M | $24M | $26M | $23M |
| Depreciation & Amort. | $2M | $2M | $2M | $2M | $0 |
| Stock-Based Comp. | $1M | $1M | $1M | $1M | $0 |
| Change in Working Capital | -$109K | -$5M | $58K | $3M | -$6M |
| Other Non-Cash Items | $2M | $9M | $5M | $2M | $14M |
| Operating Cash Flow | $35M | $35M | $34M | $33M | $32M |
| — Investing Activities — | |||||
| Capital Expenditures | -$2M | -$3M | -$2M | -$2M | $0 |
| Acquisitions (Net) | $0 | $0 | $0 | $0 | $0 |
| Investment Purchases | -$244M | -$114M | -$23M | -$26M | $0 |
| Investment Sales | $64M | $63M | $113M | $39M | $0 |
| Other Investing | $78M | -$180M | -$141M | -$32M | $196K |
| Investing Cash Flow | -$104M | -$235M | -$53M | -$21M | $196K |
| — Financing Activities — | |||||
| Net Debt Issuance | -$13M | $104M | $30M | -$4M | -$64M |
| Stock Repurchased | -$8M | -$9M | -$7M | -$629K | -$218K |
| Dividends Paid | -$16M | -$16M | -$16M | -$16M | -$16M |
| Other Financing | $105M | $73M | $17M | $79M | -$30M |
| Financing Cash Flow | $69M | $152M | $25M | $59M | -$111M |
| Net Change in Cash | -$169K | -$48M | $5M | $71M | -$79M |
| Cash End of Period | $96M | $48M | $53M | $124M | $45M |
| Free Cash Flow | $33M | $31M | $31M | $31M | $28M |