Pulling SEC filings + quote and writing the call…
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Net income | $15.8M | $13.4M | $22.0M | $19.5M | $19.2M | $30.6M | $26.6M | $24.1M | $26.0M | $23.4M |
| EPS (diluted) | $1.30 | $1.10 | $1.79 | $1.46 | $1.30 | $1.92 | $1.71 | $1.57 | $1.69 | — |
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $18.5M | $19.4M | $25.9M | $22.5M | $24.8M | $34.8M | $34.6M | $33.5M | $33.0M | $32.0M |
| Capital expenditures | $1.58M | $1.70M | $1.17M | $2.87M | $3.14M | $1.86M | $3.29M | $2.27M | $1.91M | $1.91M |
| Free cash flow | $16.9M | $17.7M | $24.7M | $19.6M | $21.6M | $33.0M | $31.3M | $31.3M | $31.1M | $30.1M |
| Share buybacks | $3.72M | $0.00 | $0.00 | $189K | $163K | — | — | — | — | — |
| Dividends paid | $11.1M | $11.1M | $11.7M | $14.0M | $14.5M | $16.0M | $15.9M | $15.6M | $15.5M | $16.3M |
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & equivalents | $28.6M | $40.2M | $37.5M | $35.2M | $102M | $105M | $55.0M | $56.9M | $126M | $46.1M |
| Total assets | $1.24B | $1.28B | $1.29B | $1.65B | $2.24B | $2.33B | $2.45B | $2.52B | $2.61B | $3.13B |
| Total liabilities | $1.06B | $1.09B | $1.09B | $1.41B | $1.94B | $2.03B | $2.20B | $2.25B | $2.34B | $2.79B |
| Long-term debt | $38.5M | $9.19M | $35.9M | — | — | — | — | — | — | — |
| Shareholders' equity | $186M | $188M | $197M | $244M | $300M | $301M | $249M | $262M | $275M | $342M |
| Retained earnings | $113M | $114M | $123M | $126M | $130M | $143M | $152M | $157M | $166M | $171M |
| Shares (wtd avg diluted) | 12.0M | 12.1M | 12.2M | 13.3M | 14.7M | 15.8M | 15.5M | 15.2M | 15.3M | 15.9M |
Every figure is extracted from CITIZENS & NORTHERN CORP’s annual reports as filed with the SEC (XBRL company facts) — no third-party estimates. Fiscal years are labeled by period end; filers occasionally re-tag concepts, so a sparse cell means the company didn’t report that concept for that year. Free cash flow = operating cash flow − capital expenditures.
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