Citizens & Northern (CZNC) Revenue & Revenue Breakdown

OverviewOwnership Financials Chart

Citizens & Northern Revenue Highlights

Latest Revenue (Y)

$154.19M

Latest Revenue (Q)

$-65.26M

Main Segment (Y)

Deposit Account

Citizens & Northern Revenue by Period

Citizens & Northern Revenue by Year

Date	Revenue	Change
2025-12-31	$154.19M	-0.82%
2024-12-31	$155.47M	14.11%
2023-12-31	$136.24M	17.98%
2022-12-31	$115.48M	5.99%
2021-12-31	$108.95M	8.47%
2020-12-31	$100.44M	21.05%
2019-12-31	$82.97M	19.12%
2018-12-31	$69.65M	14.21%
2017-12-31	$60.99M	2.28%
2016-12-31	$59.63M	-3.62%
2015-12-31	$61.87M	0.42%
2014-12-31	$61.61M	-6.74%
2013-12-31	$66.06M	-11.40%
2012-12-31	$74.56M	-3.53%
2011-12-31	$77.29M	0.66%
2010-12-31	$76.78M	-6.95%
2009-12-31	$82.52M	-5.28%
2008-12-31	$87.12M	7.84%
2007-12-31	$80.79M	80.32%
2006-12-31	$44.80M	-38.16%
2005-12-31	$72.45M	6.99%
2004-12-31	$67.72M	1.66%
2003-12-31	$66.62M	-0.27%
2002-12-31	$66.80M	6.53%
2001-12-31	$62.70M	8.06%
2000-12-31	$58.02M	0.21%
1999-12-31	$57.90M	6.16%
1998-12-31	$54.54M	92.62%
1997-12-31	$28.32M	3.07%
1996-12-31	$27.47M	427.53%
1995-12-31	$5.21M	53.18%
1994-12-31	$3.40M	-

Citizens & Northern generated $154.19M in revenue during NA 2025, up -0.82% compared to the previous quarter, and up 153.51% compared to the same period a year ago.

Citizens & Northern Revenue by Quarter

Date	Revenue	Change
2025-09-30	$-65.26M	-342.33%
2025-06-30	$26.93M	-29.74%
2025-03-31	$38.33M	-5.42%
2024-12-31	$40.53M	2.06%
2024-09-30	$39.71M	2.59%
2024-06-30	$38.71M	5.98%
2024-03-31	$36.52M	2.58%
2023-12-31	$35.61M	1.43%
2023-09-30	$35.10M	2.49%
2023-06-30	$34.25M	9.49%
2023-03-31	$31.28M	-0.67%
2022-12-31	$31.49M	8.65%
2022-09-30	$28.98M	4.29%
2022-06-30	$27.79M	2.13%
2022-03-31	$27.21M	-0.24%
2021-12-31	$27.28M	0.66%
2021-09-30	$27.10M	2.74%
2021-06-30	$26.38M	-6.47%
2021-03-31	$28.20M	-0.18%
2020-12-31	$28.25M	-0.55%
2020-09-30	$28.41M	30.51%
2020-06-30	$21.77M	-1.16%
2020-03-31	$22.02M	0.01%
2019-12-31	$22.02M	0.29%
2019-09-30	$21.96M	1.10%
2019-06-30	$21.72M	25.67%
2019-03-31	$17.28M	-4.12%
2018-12-31	$18.02M	3.09%
2018-09-30	$17.48M	-3.79%
2018-06-30	$18.17M	13.76%
2018-03-31	$15.97M	9.68%
2017-12-31	$14.56M	1.38%
2017-09-30	$14.37M	0.67%
2017-06-30	$14.27M	2.85%
2017-03-31	$13.87M	-0.59%
2016-12-31	$13.96M	-4.77%
2016-09-30	$14.65M	4.48%
2016-06-30	$14.03M	1.23%
2016-03-31	$13.86M	-10.40%
2015-12-31	$15.47M	11.96%
2015-09-30	$13.81M	-5.70%
2015-06-30	$14.65M	10.43%
2015-03-31	$13.27M	-5.03%
2014-12-31	$13.97M	-4.94%
2014-09-30	$14.69M	3.93%
2014-06-30	$14.14M	3.28%
2014-03-31	$13.69M	-6.90%
2013-12-31	$14.70M	-1.38%
2013-09-30	$14.91M	-2.12%
2013-06-30	$15.23M	-5.10%
2013-03-31	$16.05M	0.72%
2012-12-31	$15.94M	-12.16%
2012-09-30	$18.14M	10.44%
2012-06-30	$16.43M	2.46%
2012-03-31	$16.03M	-1.61%
2011-12-31	$16.29M	0.36%
2011-09-30	$16.23M	3.73%
2011-06-30	$15.65M	-0.16%
2011-03-31	$15.68M	-3.76%
2010-12-31	$16.29M	13.87%
2010-09-30	$14.30M	5.68%
2010-06-30	$13.54M	-6.05%
2010-03-31	$14.41M	8.58%
2009-12-31	$13.27M	-6.39%
2009-09-30	$14.17M	-5.61%
2009-06-30	$15.02M	6.66%
2009-03-31	$14.08M	31.63%
2008-12-31	$10.70M	10.49%
2008-09-30	$9.68M	-25.18%
2008-06-30	$12.94M	-3.61%
2008-03-31	$13.42M	6.63%
2007-12-31	$12.59M	-

Citizens & Northern generated $-65.26M in revenue during Q3 2025, up -342.33% compared to the previous quarter, and up -168.60% compared to the same period a year ago.

Citizens & Northern Revenue Breakdown

Citizens & Northern Revenue Breakdown by Product

Annual Revenue by Product

Product/Service	Dec 25	Dec 24	Dec 23	Dec 22	Dec 21
Bank Servicing	$643.00K	$649.00K	$602.00K	$960.00K	$694.00K
Deposit Account	$5.98M	$5.87M	$5.57M	$5.02M	$4.63M
Debit Card	$4.62M	$4.28M	$4.16M	$4.15M	$3.85M
Trust and Asset Management	-	-	-	-	$7.23M

Citizens & Northern's latest annual revenue breakdown by segment (product or service), as of Dec 25: Deposit Account (53.16%), Debit Card (41.12%), and Bank Servicing (5.72%).

Quarterly Revenue by Product

Product/Service	Dec 25	Sep 25	Jun 25	Mar 25	Dec 24	Sep 24	Mar 24	Dec 23	Jun 23	Mar 23	Dec 22	Sep 22	Jun 22	Mar 22	Dec 21	Sep 21	Jun 21	Mar 21	Dec 20	Sep 20
Deposit Account	$1.64M	$1.47M	$1.42M	$1.44M	$3.00M	$1.55M	$1.32M	$2.89M	$1.39M	$1.29M	$1.36M	$1.10M	$1.32M	$1.24M	$1.30M	$1.25M	$1.07M	$1.01M	$1.10M	$1.04M
Bank Servicing	$225.00K	$107.00K	$173.00K	$138.00K	$345.00K	$74.00K	$230.00K	$290.00K	$190.00K	$122.00K	$203.00K	$189.00K	$358.00K	$210.00K	$147.00K	$153.00K	$146.00K	$248.00K	$198.00K	$-87.00K
Debit Card	$1.23M	$1.14M	$1.22M	$1.04M	$2.16M	$1.10M	$1.01M	$2.14M	$1.01M	$1.01M	$1.10M	$1.03M	$1.06M	$963.00K	$1.00M	$975.00K	$998.00K	$881.00K	$817.00K	$828.00K
Trust and Asset Management	-	-	-	-	-	-	-	-	$1.80M	$1.78M	$1.74M	$1.72M	$1.79M	$1.98M	-	-	-	-	-	-
Trust And Asset Management	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	$1.82M	$1.81M	$1.63M	$1.68M	$1.59M
Service Charges And Fees	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	$74.00K	$83.00K

Citizens & Northern's latest quarterly revenue breakdown by segment (product or service), as of Dec 25: Deposit Account (53.00%), Debit Card (39.74%), and Bank Servicing (7.26%).

Citizens & Northern Revenue Breakdown by Country

Quarterly Revenue by Country

Country	Jun 23	Mar 23	Dec 22	Sep 22	Jun 22	Mar 22	Dec 21	Sep 21	Jun 21	Mar 21	Dec 20	Sep 20	Jun 20	Mar 20	Dec 19	Sep 19	Jun 19	Mar 19	Dec 18	Sep 18
Bank Servicing	$190.00K	$122.00K	$203.00K	$189.00K	$358.00K	$210.00K	$147.00K	$153.00K	$146.00K	$248.00K	$198.00K	$-87.00K	$-158.00K	$-14.00K	$91.00K	$-54.00K	$35.00K	$28.00K	$84.00K	$74.00K
Debit Card	$1.01M	$1.01M	$1.10M	$1.03M	$1.06M	$963.00K	$1.00M	$975.00K	$998.00K	$881.00K	$817.00K	$828.00K	$718.00K	$731.00K	$690.00K	$722.00K	$699.00K	$643.00K	$666.00K	$660.00K
Deposit Account	$1.39M	$1.29M	$1.36M	$1.10M	$1.32M	$1.24M	$1.30M	$1.25M	$1.07M	$1.01M	$1.10M	$1.04M	$831.00K	$1.25M	$1.40M	$1.44M	$1.28M	$1.25M	$1.33M	$1.33M
Trust and Asset Management	$1.80M	$1.78M	$1.74M	$1.72M	$1.79M	$1.98M	$1.48M	$1.68M	$1.48M	$1.58M	$1.36M	$1.46M	$1.43M	-	-	-	-	-	-	-
Trust And Asset Management	-	-	-	-	-	-	-	$1.82M	$1.81M	$1.63M	$1.68M	$1.59M	$1.56M	-	-	-	-	-	-	-
Service Charges And Fees	-	-	-	-	-	-	-	-	-	-	$74.00K	$83.00K	$84.00K	-	-	-	-	-	-	-
Service Charges and Fees	-	-	-	-	-	-	-	-	-	-	-	-	-	$63.00K	$73.00K	$91.00K	$89.00K	$79.00K	$80.00K	$95.00K

Citizens & Northern's latest quarterly revenue breakdown by geography, as of Jun 23: Trust and Asset Management (41.07%), Deposit Account (31.60%), Debit Card (23.00%), and Bank Servicing (4.33%).

Citizens & Northern Peer Comparison by Revenue

Ticker	Company	Last Year Revenue	Last Quarter Revenue
WSBF	Waterstone Financial	$201.61M	$-10.13M
FSBW	FS Bancorp	$184.84M	$50.97M
FNLC	First Bancorp	$177.61M	$41.01M
CZFS	Citizens Financial Services	$154.32M	$33.16M
CZNC	Citizens & Northern	$154.19M	$-65.26M
JMSB	John Marshall Bancorp	$110.13M	$181.74B
ISBA	Isabella Bank	$101.71M	$24.88M
PCB	PCB Bancorp	$99.71M	$30.39M
PLBC	Plumas Bancorp	-	$29.80M
CBAN	Colony Bankcorp	-	$17.75M
BCML	BayCom	-	$34.95M

CZNC Revenue FAQ

What is Citizens & Northern’s yearly revenue?

Citizens & Northern's yearly revenue for 2025 was $154.19M, representing a decrease of -0.82% compared to 2024. The company's yearly revenue for 2024 was $155.47M, representing an increase of 14.11% compared to 2023. CZNC's yearly revenue for 2023 was $136.24M, representing an increase of 17.98% compared to 2022.

What is Citizens & Northern’s quarterly revenue?

Citizens & Northern's quarterly revenue for Q3 2025 was $-65.26M, a -342.33% decrease from the previous quarter (Q2 2025), and a -264.34% decrease year-over-year (Q3 2024). The company's quarterly revenue for Q2 2025 was $26.93M, a -29.74% decrease from the previous quarter (Q1 2025), and a -30.43% decrease year-over-year (Q2 2024). CZNC's quarterly revenue for Q1 2025 was $38.33M, a -5.42% decrease from the previous quarter (Q4 2024), and a 4.94% increase year-over-year (Q1 2024).

What is Citizens & Northern’s revenue growth rate?

Citizens & Northern's revenue growth rate for the last 3 years (2023-2025) was 13.18%, and for the last 5 years (2021-2025) was 41.52%.

What are Citizens & Northern’s revenue streams?

Citizens & Northern's revenue streams in c 25 are Bank Servicing, Deposit Account, and Debit Card. Bank Servicing generated $643K in revenue, accounting 5.72% of the company's total revenue, down -0.92% year-over-year. Deposit Account generated $5.98M in revenue, accounting 53.16% of the company's total revenue, up 1.86% year-over-year. Debit Card generated $4.62M in revenue, accounting 41.12% of the company's total revenue, up 8.12% year-over-year.

What is Citizens & Northern’s main source of revenue?

For the fiscal year ending Dec 25, the largest source of revenue of Citizens & Northern was Deposit Account. This segment made a revenue of $5.98M, representing 53.16% of the company's total revenue.