Citizens & Northern Corporation (CZNC) Revenue History
Annual and quarterly revenue from 2014 to 2025
Compound Annual Growth Rate (CAGR)
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CZNC Revenue Growth
Revenue Breakdown (FY 2025)
CZNC's revenue distribution by segment and geography for fiscal year 2025
By Product/Segment
CZNC Revenue Analysis (2014–2025)
As of May 8, 2026, Citizens & Northern Corporation (CZNC) generated trailing twelve-month (TTM) revenue of $155.0 million, reflecting significant decline in growth of -11.1% year-over-year. The most recent quarter (Q4 2025) recorded $36.0 million in revenue, down 10.9% sequentially.
Looking at the longer-term picture, CZNC's 5-year compound annual growth rate (CAGR) stands at +9.0%, indicating steady revenue expansion. The company achieved its highest annual revenue of $155.5 million in 2024.
Revenue diversification analysis shows CZNC's business is primarily driven by Deposit Account (53%), Debit Card (41%), and Bank Servicing (6%). With over half of revenue concentrated in Deposit Account, the company maintains significant focus in this area while developing other growth vectors.
When compared to Financial Services sector peers including CZWI, FUNC, and FXNC. Compare CZNC vs CZWI →
CZNC Revenue vs Peers
Revenue metrics vs comparable public companies
| Company | TTM Revenue | YoY Growth | 5Y CAGR | Op. Margin | Compare |
|---|---|---|---|---|---|
| CZNCCurrent | $155M | -11.1% | +9.0% | 18.6% | |
 CZWI | $90M | - | - | 7.0% | |
 FUNC | $112M | - | - | 24.4% | |
 FXNC | $112M | - | - | 19.6% | |
 MNSB | $136M | - | - | 14.0% | |
 NBTB | $867M | - | - | 25.3% |
CZNC Historical Revenue Data (2014–2025)
| Year | Revenue | YoY % | Gross Profit | Gross Margin | Op. Income | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $154.2M | - | $100.8M | 65.3% | $28.6M | 18.6% |
| 2024 | $155.5M | - | $104.3M | 67.1% | $31.9M | 20.5% |
| 2023 | $136.2M | - | $102.9M | 75.6% | $30.5M | 22.4% |
| 2022 | $115.5M | - | $98.7M | 85.5% | $32.4M | 28.0% |
| 2021 | $108.9M | - | $98.7M | 90.6% | $37.7M | 34.6% |
| 2020 | $100.4M | - | $86.9M | 86.6% | $23.2M | 23.1% |
| 2019 | $83.0M | - | $71.8M | 86.6% | $23.4M | 28.2% |
| 2018 | $69.7M | - | $64.4M | 92.5% | $26.3M | 37.7% |
| 2017 | $61.0M | - | $56.3M | 92.3% | $20.6M | 33.8% |
| 2016 | $59.6M | - | $54.7M | 91.8% | $21.1M | 35.4% |
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Start ComparisonCZNC — Frequently Asked Questions
Quick answers to the most common questions about buying CZNC stock.
Is CZNC's revenue growth accelerating or slowing?
CZNC revenue declined -11.1% year-over-year, contrasting with the 5-year CAGR of +9.0%. TTM revenue fell to $155M. This reverses the prior growth trend.
What is CZNC's long-term revenue growth rate?
Citizens & Northern Corporation's 5-year revenue CAGR of +9.0% reflects the variable expansion pattern. Current YoY growth of -11.1% is below this long-term average.
How is CZNC's revenue distributed by segment?
CZNC reports revenue by product line and geographic region. Annual and quarterly breakdowns from 2014-2025 are available for download. Segment mix reveals concentration and diversification trends.