CITIZENS & NORTHERN CORP
CZNCOther · Accelerated filer · SEC filings ↗ · Compare ⊕
View price & chart on Yahoo Finance ↗Financials
SEC XBRL · annual| FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | |
|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — |
| Operating income | — | — | — | — | — | — |
| Net income | $23.4M | $26.0M | $24.1M | $26.6M | $30.6M | $19.2M |
| Total assets | $3.13B | $2.61B | $2.52B | $2.45B | $2.33B | $2.24B |
| Total liabilities | $2.79B | $2.34B | $2.25B | $2.20B | $2.03B | $1.94B |
| Equity | $341.7M | $275.3M | $262.4M | $249.3M | $301.4M | $299.8M |
| EPS (diluted) | $1.46 | $1.69 | $1.57 | $1.71 | $1.92 | $1.30 |
| Shares out. | 15.5M | 15.4M | 15.6M | 15.8M | 16.0M | 13.8M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2025- Operating margin
- —
- Net margin
- —
- Return on equity
- 6.9%
- Return on assets
- 0.7%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 89.1%
- Debt / equity
- 8.17×
- Book value / share
- $22.09
- Revenue growth (YoY)
- —
- Net income growth (YoY)
- −9.8%
Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.
Financial health
forensic scores · FY2025- Accruals / assets
- −0.3%clean
- Piotroski F-Score
- 4/6mixed
Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.
Quality score
EDS ScoreOur own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast. What these scores mean →
Signs
● 1 warning● 2 good- High leverage (liabilities > 70% of assets)
- Positive operating cash flow
- Clean earnings (low accruals)
Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.
5%+ owners
SEC Schedule 13D / 13G · last 3 yrs- Vanguard Group IncPassive (13G)Jan 30, 2026
- Blackrock, Inc.Passive (13G)Jan 21, 2026
Holders who disclosed a 5%+ stake. 13D signals intent to influence or control; 13G is a passive holding. Latest filing per holder — open it for the exact stake.
Short interest
FINRA · bi-monthly| Settlement | Shares short | Days to cover | Δ vs prior |
|---|---|---|---|
| May 15, 2026 | 270,067 | 6.7 | -5.2% |
| Apr 30, 2026 | 284,788 | 8.9 | +2.1% |
| Apr 15, 2026 | 279,047 | 7.9 | -6.7% |
| Mar 31, 2026 | 299,031 | 6.5 | -1.3% |
| Mar 13, 2026 | 302,994 | 7.1 | +8.1% |
Shares sold short as reported to FINRA. Days-to-cover = short shares ÷ average daily volume — higher means more potential squeeze pressure.
Material events
SEC Form 8-K · most recent- Director / officer change · Other material eventMay 11, 2026
- Results of operationsApr 29, 2026
- Shareholder voteApr 28, 2026
- Other material eventApr 23, 2026
- Results of operationsJan 28, 2026
- Other material eventJan 22, 2026
- Regulation FD disclosureNov 7, 2025
- Results of operationsOct 23, 2025
Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.
Recent SEC filings
All filings ↗Event-driven situations (4)
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