Citizens & Northern Corp

97% of Citizens & Northern Bank customers say they would recommend us to their family and friends. As Your Bank for a Lifetime, it's our mission to create value through lifelong relationships with our neighbors. We believe managing your finances should be a fulfilling, trouble-free you can spend less time making a living and more time making a life.
Wellsboro, US
Size (employees)
291 (est)
Citizens & Northern Corp was founded in 1864 and is headquartered in Wellsboro, US

Citizens & Northern Corp Office Locations

Citizens & Northern Corp has an office in Wellsboro
Wellsboro, US (HQ)
92 Main St

Citizens & Northern Corp Metrics

Citizens & Northern Corp Financial Metrics

Revenue (2016)

$44.1 m

Revenue growth (2015-16), %


Net income (2016)

$15.8 m

Market capitalization (21-Mar-2017)

$284 m

Closing share price (21-Mar-2017)

Citizens & Northern Corp's current market capitalization is $284 m.
Citizens & Northern Corp's revenue was reported to be $44.1 m in FY, 2016 which is a 0.9% decrease from the previous period.
FY, 2013FY, 2014FY, 2015FY, 2016


$48.9 m$46 m$44.5 m$44.1 m

Revenue growth, %


Net Income

$18.6 m$17.1 m$16.5 m$15.8 m
FY, 2013FY, 2014FY, 2015FY, 2016

Accounts Receivable

$4.1 m$3.9 m$3.8 m$4 m


Total Assets

$1.2 b$1.2 b$1.2 b$1.2 b

Accounts Payable

Total Debt

$96.7 m$78.6 m$92.3 m$64.6 m

Additional Paid-in Capital

$70.1 m$71.5 m$71.7 m$71.7 m

Retained Earnings

$101.2 m$105.6 m$109.5 m$112.8 m

Total Equity

$179.5 m$188.4 m$187.5 m$186 m

Debt to Equity Ratio

0.5 x0.4 x0.5 x0.3 x

Debt to Assets Ratio

0.1 x0.1 x0.1 x0.1 x

Financial Leverage

6.9 x6.6 x6.5 x6.7 x
FY, 2013FY, 2014FY, 2015FY, 2016

Net Income

$18.6 m$17.1 m$16.5 m$15.8 m

Depreciation and Amortization

$2 m$1.9 m$1.9 m$1.6 m

Accounts Receivable


Accounts Payable

Cash From Operating Activities

$30.6 m$22.3 m$19.7 m$18.5 m

Cash From Investing Activities

$8.9 m($9.5 m)$18.4 m($29.4 m)

Long-term Borrowings

($11.5 m)($278 k)($36.9 m)($313 k)

Interest Paid

$5.8 m$5.1 m$4.6 m$3.7 m

Income Taxes Paid

$4.2 m$4.4 m$4.8 m$5.1 m

Citizens & Northern Corp Market Value History

Citizens & Northern Corp Online Presence

Citizens & Northern Corp Company Life

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