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 Data and Metrics

Citizens & Northern Corp Financial Metrics

Citizens & Northern Corp's revenue was reported to be $44.1 m in FY, 2016 which is a 1% decrease from the previous period.

Revenue (FY, 2016)

44.1 m

Revenue growth (FY, 2015 - FY, 2016), %


Gross profit (FY, 2016)

40.4 m

Gross profit margin (FY, 2016), %


Net income (FY, 2016)

15.8 m

EBIT (FY, 2016)

39.2 m

Market capitalization (20-Jul-2017)

285 m

Closing share price (20-Jul-2017)

Citizens & Northern Corp's current market capitalization is $285 m.
USDFY, 2013FY, 2014FY, 2015FY, 2016


48.9 m46 m44.5 m44.1 m

Revenue growth, %


Cost of goods sold

3.7 m

Gross profit

40.4 m

Gross profit Margin, %



39.2 m

EBIT margin, %


Pre tax profit

21.1 m

Net Income

18.6 m17.1 m16.5 m15.8 m
USDFY, 2013FY, 2014FY, 2015FY, 2016

Accounts Receivable

4.1 m3.9 m3.8 m500

Total Assets

1.2 b1.2 b1.2 b1.2 b

Accounts Payable

983.8 m

Total Debt

96.7 m78.6 m92.3 m64.6 m

Total Liabilities

1.1 b

Additional Paid-in Capital

70.1 m71.5 m71.7 m71.7 m

Retained Earnings

101.2 m105.6 m109.5 m112.8 m

Total Equity

179.5 m188.4 m187.5 m186 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
USDFY, 2013FY, 2014FY, 2015FY, 2016

Net Income

18.6 m17.1 m16.5 m15.8 m

Depreciation and Amortization

2 m1.9 m1.9 m1.6 m

Cash From Operating Activities

30.6 m22.3 m19.7 m18.5 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)

Cash From Financing Activities

(55.9 m)(19.8 m)(36.4 m)6.2 m

Interest Paid

5.8 m5.1 m4.6 m3.7 m

Income Taxes Paid

4.2 m4.4 m4.8 m5.1 m
USDY, 2016


331.6 k


0.3 x


0.1 x

Financial Leverage

6.7 x

Citizens & Northern Corp Market Value History

Citizens & Northern Corp Online and Social Media Presence

Citizens & Northern Corp Company Life and Culture

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