CITIZENS & NORTHERN CORP
Company Stats
- Market Cap
- $448.7M
- as of Sep 30, 2026
- Shares Outstanding
- 17.9M
- Free Float
- 92.1%
Income Statement
- Net Income
- $23.4M
Cash Flow
- Free Cash Flow
- $30.1M
- FCF Yield
- 6.7%
- Owner FCF Yield
- 6.4%
Balance Sheet
- Cash & Equivalents
- $46.1M
Returns & Capital
- Dividends Paid
- $16.3M
- Dividend Yield
- 3.6%
- Dividend Payout, 3Y Avg
- 64.6%
- SBC, 3Y Avg
- $1.4M
Cash Flow by Year
| Year | Revenue | FCF | Margin |
|---|---|---|---|
| FY2025 | — | $30.1M | — |
| FY2024 | — | $31.1M | — |
| FY2023 | — | $31.3M | — |
| FY2022 | — | $31.3M | — |
| FY2021 | — | $33.0M | — |
Annual filing data through FY ended December 31, 2025; shares and float as of October 22, 2026. Yields and enterprise value use the calculated market cap above, at its as-of date. Ratios are our calculations from reported figures.
CRE stress hits one loan, others stay mixed
Stronger demand supports expansion as pricing diverges
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