Citizens & Northern Corporation provides a range of banking and mortgage services to individual and corporate customers in North Central Pennsylvania and Southern New York. The Company offers deposit products, including various types of checking accounts, passbook and statement savings accounts, money market accounts, interest checking accounts, individual retirement accounts, and certificates of deposits. It also provides loans comprising mortgage loans, commercial loans, and consumer loans.

Type
Public
HQ
Wellsboro, US
Founded
1864
Size (employees)
296 (est)+2%
Citizens & Northern Corp was founded in 1864 and is headquartered in Wellsboro, US
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Citizens & Northern Corp Office Locations

Citizens & Northern Corp has offices in Emporium, Port Allegany, Coudersport, Jersey Shore and in 20 other locations
Wellsboro, US (HQ)
92 Main St
Athens, US
428 S Main St
Canisteo, US
3 Main St
Coudersport, US
10 N Main St
Dushore, US
111 West Main Street
East Smithfield, US
563 Main Street
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Citizens & Northern Corp Financials and Metrics

Citizens & Northern Corp Financials

Citizens & Northern Corp's revenue was reported to be $44.10 m in FY, 2016 which is a 0.9% decrease from the previous period.
USD

Net income (FY, 2017)

13.4 m

EBIT (FY, 2017)

41.1 m

Market capitalization (18-Apr-2018)

293.6 m
Citizens & Northern Corp's current market capitalization is $293.6 m.
Annual
USDFY, 2013FY, 2014FY, 2015FY, 2016FY, 2017

Revenue

48.9 m46 m44.5 m44.1 m

Revenue growth, %

(6%)(3%)(1%)

Cost of goods sold

3.7 m3.9 m

Gross profit

40.4 m
Quarterly
USDQ3, 2013Q1, 2014Q2, 2014Q3, 2014Q1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017Q2, 2017

Cost of goods sold

1.2 m1.1 m904 k925 k944 k953 k978 k

EBIT

9.8 m9.7 m9.7 m9.7 m9.6 m9.7 m10.4 m

Pre tax profit

5.8 m5.6 m4.7 m5.2 m5.5 m4.4 m5.5 m

Income tax expense

1.5 m1.4 m1.1 m1.3 m1.5 m984 k1.4 m
Annual
USDFY, 2013FY, 2014FY, 2015FY, 2016FY, 2017

Accounts Receivable

4.1 m3.9 m3.8 m500

Inventories

Total Assets

1.2 b1.2 b1.2 b1.2 b1.3 b

Accounts Payable

983.8 m1 b
Quarterly
USDQ2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017Q2, 2017

Total Assets

1.3 b1.2 b1.2 b1.2 b1.2 b1.2 b1.2 b

Accounts Payable

978.4 m961.1 m955.8 m968 m991.9 m980.3 m997.3 m

Short-term debt

19.8 m10.2 m26 m25.7 m14.6 m20.7 m8.9 m

Long-term debt

62.9 m62.8 m38.7 m38.6 m38.5 m38.4 m38.3 m
Annual
USDFY, 2013FY, 2014FY, 2015FY, 2016FY, 2017

Net Income

18.6 m17.1 m16.5 m15.8 m13.4 m

Depreciation and Amortization

2 m1.9 m1.9 m1.6 m1.6 m

Inventories

Accounts Payable

Quarterly
USDQ3, 2013Q1, 2014Q2, 2014Q3, 2014Q1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017Q2, 2017

Net Income

14.4 m4.3 m8.5 m12.7 m3.8 m8.2 m12.4 m3.6 m7.4 m11.5 m3.4 m7.6 m

Depreciation and Amortization

1.5 m498 k988 k1.5 m469 k958 k1.4 m408 k787 k1.2 m404 k826 k

Cash From Operating Activities

26.4 m6.5 m13.3 m16.5 m3.7 m9.9 m15.3 m3.7 m8.6 m13.8 m4.2 m7.6 m

Cash From Investing Activities

19 m24.4 m2.2 m(4.3 m)(6.7 m)(15.6 m)6.1 m14.5 m(13.2 m)(22.4 m)8 m4.6 m
USDY, 2017

Financial Leverage

6.8 x
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Citizens & Northern Corp Operating Metrics

Citizens & Northern Corp's Total Loans was reported to be $779.7m in Q2, 2017.
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