| Annual · values | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | — | — | — | — | — | — | — | — | — | — | — | — |
| Operating Margin | — | — | — | — | — | — | — | — | — | — | — | — |
| EBITDA Margin | — | — | — | — | — | — | — | — | — | — | — | — |
| Net Margin | 16.83% | 20.27% | 21.28% | 28.73% | 36.16% | 24.91% | 30.11% | 43.74% | 29.29% | 35.74% | 37.00% | 37.14% |
| Current Ratio | — | — | — | — | — | — | — | — | — | — | — | — |
| Quick Ratio | — | — | — | — | — | — | — | — | — | — | — | — |
| Debt / Equity | 0.08 | 0.01 | 0.13 | 0.32 | 0.01 | 0.07 | 0.35 | 0.25 | 0.38 | 0.35 | 0.49 | 0.42 |
| ROE | 6.86% | 9.43% | 9.20% | 10.68% | 10.14% | 6.41% | 7.98% | 11.15% | 7.13% | 8.47% | 8.79% | 9.07% |
| ROA | 0.75% | 0.99% | 0.96% | 1.08% | 1.31% | 0.86% | 1.18% | 1.71% | 1.05% | 1.27% | 1.35% | 1.38% |
| Asset Turnover | 0.04 | 0.05 | 0.05 | 0.04 | 0.04 | 0.03 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 |
| Book Value / Share | 21.42 | 18.04 | 17.21 | 16.13 | 19.11 | 20.33 | 18.35 | 16.10 | 15.50 | 15.34 | 15.33 | 15.18 |
Citizens & Northern Corporation is a bank holding company primarily engaged in offering a comprehensive suite of financial services through its subsidiary, Citizens & Northern Bank. The corporation’s primary function is to facilitate banking operations that include personal and business banking, wealth management, and lending solutions. Serving the communities in Pennsylvania and New York, it provides vital financial support to both retail and commercial customers. Key features of Citizens & Northern Corporation include personalized relationship banking, competitive interest rates, and a focus on customer-centric service delivery. By maintaining a robust local presence, the corporation plays a significant role in fostering regional economic development. Its services impact various sectors by providing necessary financial instruments for businesses to thrive and individuals to manage their finances effectively. Established in 1864, Citizens & Northern Corporation has maintained a significant presence in the financial market by embracing both traditional banking values and modern financial innovations.