Company

CITIZENS & NORTHERN CORP (CZNC)

Standardized SEC financial data for CITIZENS & NORTHERN CORP — income statement, balance sheet, cash flow and 40+ ratios, available as a clean JSON API. CIK 0000810958 · NASDAQ · State Commercial Banks.

Operating margin

23.3%

Net margin

19.1%

Revenue growth (YoY)

13.3%

Return on equity

6.9%

ROIC

7.0%

Free cash flow

$30.1M

Debt / equity

0.10×

EPS (diluted)

$1.69

Ratios for fiscal year 2025, standardized from SEC filings.

Income statement

USD	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
Revenue	$92.1M	$103.8M	$107.6M	$104.8M	$108.3M	$122.7M
Operating income	$23.2M	$37.7M	$32.4M	$30.5M	$31.9M	$28.6M
Interest expense	$10.7M	$8.2M	$9.5M	$33.1M

Balance sheet

USD	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
Cash & equivalents	$101.9M	$104.9M	$55.0M	$56.9M	$126.2M	$46.1M
Property, plant & equipment	$21.5M	$20.7M	$21.6M	$21.6M	$21.3M	$27.8M
Goodwill	$52.5M	$52.5M	$52.5M	$52.5M

Cash flow

USD	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
Operating cash flow	$24.8M	$34.8M	$34.6M	$33.5M	$33.0M	$32.0M
Capital expenditures	$3.1M	$1.9M	$3.3M	$2.3M	$1.9M	$1.9M
Free cash flow	$21.6M	$33.0M	$31.3M	$31.3M

Get CZNC data via API

# JSON
curl https://sec-financial-api-production.up.railway.app/v1/company/CZNC/financials \
  -H "X-API-Key: YOUR_KEY"

# CSV export (income / balance / cash-flow)
curl "https://sec-financial-api-production.up.railway.app/v1/company/CZNC/income-statement?format=csv" \
  -H "X-API-Key: YOUR_KEY"

Get a free API key Use with Claude (MCP) →View CZNC filings on SEC EDGAR →