Citizens & Northern CorpCZNC
What Citizens & Northern Corp does.
Citizens & Northern Corporation (“Corporation”) is a bank holding company whose principal activity is community banking. The Corporation’s principal office is located in Wellsboro, Pennsylvania. The largest subsidiary is Citizens & Northern Bank (“C&N Bank” or the “Bank”). The Corporation’s other wholly-owned subsidiaries are Citizens & Northern Investment Corporation and Bucktail Life Insurance Company (“Bucktail”). Citizens & Northern Investment Corporation was formed in 1999 to engage in investment activities. Bucktail reinsures credit and mortgage life and accident and health insurance on behalf of C&N Bank.
C&N Bank is a Pennsylvania banking institution that was formed by the consolidation of Northern National Bank of Wellsboro and Citizens National Bank of Towanda in 1971. C&N Bank has operated under its current name since May 6, 1975, at which time C&N Bank changed its charter from a national bank to a Pennsylvania bank. The Bank has expanded its presence over the past several decades through a series of mergers as well as by opening new branch and lending offices and providing access to banking services via the internet and through ATMs. At December 31, 2025, the Bank had 35 branch offices, including 28 in the Northern tier/Northcentral region of Pennsylvania, 1 in the Southern tier of New York State, 4 in Southeastern Pennsylvania (3 in Bucks County and 1 in Chester County) and 2 in Southcentral Pennsylvania (York and Lancaster). In addition to its branch locations, the Bank has a lending office in Elmira, New York.
Revenue and profit, by fiscal year.
| Fiscal year | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|
| Revenue | $92.1M | $103.8M | $107.6M | $104.8M | $108.3M | $122.7M |
| Net income | $19.2M | $30.6M | $26.6M | $24.1M | $26.0M | $23.4M |
| Free cash flow | $21.6M | $33.0M | $31.3M | $31.3M | $31.1M | $30.1M |
More on CZNC.
- Citizens & Northern Corp summary
- Citizens & Northern Corp financial statements
- Citizens & Northern Corp key metrics
- Citizens & Northern Corp health scores and style box
- Citizens & Northern Corp earnings
- Citizens & Northern Corp dividends
- Citizens & Northern Corp valuation
- Citizens & Northern Corp ownership and insiders
- Citizens & Northern Corp peers
Figures from Citizens & Northern Corp's filings with the U.S. SEC, standardised automatically; prices are end-of-day closes. Not financial advice.