Balance Sheet
Cash Flow Statement
AcquisitionsAmortizatization of IntangiblesCapital ExpendituresCash from Financing ActivitiesCash from Investing ActivitiesCash from OperationsChange in Accured ExpensesChange in Acquisitions & DivestmentsChange in CashChange in LoansChange in Net LoansDeferred TaxesDepreciation & Amortization (CF)Dividends Paid - CommonFree Cash FlowGains from Investment SecuritiesLong-Term Debt RepaymentsNet Cash FlowNet IncomeOther financing activitiesSales of Property, Plant and EquipmentShares RepurchasedShort-Term Debt issuances
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Growth Metrics
Income Statement
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Ratios

Citizens & Northern (CZNC) Free Cash Flow (2017 - 2025)

Citizens & Northern's Free Cash Flow history spans 9 years, with the latest figure at $10.1 million for Q4 2025.

  • For Q4 2025, Free Cash Flow fell 13.61% year-over-year to $10.1 million; the TTM value through Dec 2025 reached $30.1 million, down 3.31%, while the annual FY2025 figure was $30.1 million, 3.31% down from the prior year.
  • Free Cash Flow reached $10.1 million in Q4 2025 per CZNC's latest filing, down from $10.9 million in the prior quarter.
  • In the past five years, Free Cash Flow ranged from a high of $11.7 million in Q4 2024 to a low of $1.0 million in Q1 2025.
  • Average Free Cash Flow over 5 years is $7.8 million, with a median of $7.9 million recorded in 2022.
  • Peak YoY movement for Free Cash Flow: soared 988.28% in 2021, then plummeted 79.12% in 2025.
  • A 5-year view of Free Cash Flow shows it stood at $9.0 million in 2021, then dropped by 13.99% to $7.8 million in 2022, then dropped by 11.51% to $6.9 million in 2023, then skyrocketed by 70.81% to $11.7 million in 2024, then fell by 13.61% to $10.1 million in 2025.
  • Per Business Quant, the three most recent readings for CZNC's Free Cash Flow are $10.1 million (Q4 2025), $10.9 million (Q3 2025), and $8.0 million (Q2 2025).