CZNC · Nasdaq

CITIZENS & NORTHERN CORP

State Commercial Banks

Listing type has not been classified. Company financial ratios are not specific to a share class. CIK 0000810958

Dividend overview

Latest reported dividend

$0.30

USD per share · regular

Payment date: Nov 13, 2026. This is not a forecast of the next payment.

Next announced payment

Nov 13, 2026

$0.30 USD per share

Ex-dividend date

Not reported

For the next collected payment. An unreported date is not inferred from the record date.

Announced dates and amounts may change. Verify current details with the issuer and your broker before acting.

Cash flow & dividend coverage

Cash payout ratio

69.5%

Annual cash dividends ÷ net income.

FCF payout ratio

54.1%

Annual cash dividends ÷ (operating cash flow − PP&E expenditures).

Company-level · annual period Jan 1, 2025 – Dec 31, 2025. Metric date: Oct 24, 2026. Calculated: 2026-10-24T22:11:15.319Z (UTC). Underlying filing

These ratios relate cash dividends paid by the company to its earnings and free cash flow for the stated period. They are not dividend yields or measures of a guaranteed future payout.

Payout ratios describe historical financial results and do not guarantee future dividends. Read the calculation rules.

Cash-dividend numerator: Common-stock cash dividends. Total cash dividends may include more than the common-share distribution.

Dividend history

Reported dividends · amounts per share
Payment date	Stock	Amount	Ex-dividend	Record date	Type / status	Source
Nov 13, 2026Declared: Oct 22, 2026	CZNC	$0.30USD · as reported	Not reported	Nov 2, 2026	regularAnnounced schedule	SEC filingFiled: Oct 22, 2026

Announced dates and amounts may change. An elapsed payment date is not confirmation of payment. As-reported amounts may not be comparable across stock splits.

Financial context

Company financials →

Annual net income

Reported annual periods; USD. Negative values extend below the baseline.

Selected annual US-GAAP cash-flow and earnings facts · USD
Reporting period	Measure	USD millions	Filing
Dec 31, 2025From Jan 1, 2025	Operating cash flow	32.0	SEC filingMar 6, 2026
Dec 31, 2025From Jan 1, 2025	Net income	23.4	SEC filingMar 6, 2026
Dec 31, 2025From Jan 1, 2025	Common-stock cash dividends	16.3	SEC filingMar 6, 2026
Dec 31, 2025From Jan 1, 2025	Capital expenditures (PP&E)	1.9	SEC filingMar 6, 2026
Dec 31, 2024From Jan 1, 2024	Operating cash flow	33.0	SEC filingMar 6, 2026
Dec 31, 2024From Jan 1, 2024	Net income	26.0	SEC filingMar 6, 2026
Dec 31, 2024From Jan 1, 2024	Common-stock cash dividends	15.5	SEC filingMar 6, 2026
Dec 31, 2024From Jan 1, 2024	Capital expenditures (PP&E)	1.9	SEC filingMar 6, 2026
Dec 31, 2023From Jan 1, 2023	Operating cash flow	33.5	SEC filingMar 6, 2026
Dec 31, 2023From Jan 1, 2023	Net income	24.1	SEC filingMar 6, 2026
Dec 31, 2023From Jan 1, 2023	Common-stock cash dividends	15.6	SEC filingMar 6, 2026
Dec 31, 2023From Jan 1, 2023	Capital expenditures (PP&E)	2.3	SEC filingMar 6, 2026
Dec 31, 2022From Jan 1, 2022	Operating cash flow	34.6	SEC filingMar 6, 2025
Dec 31, 2022From Jan 1, 2022	Net income	26.6	SEC filingMar 6, 2025
Dec 31, 2022From Jan 1, 2022	Common-stock cash dividends	15.9	SEC filingMar 6, 2025
Dec 31, 2022From Jan 1, 2022	Capital expenditures (PP&E)	3.3	SEC filingMar 6, 2025
Dec 31, 2021From Jan 1, 2021	Operating cash flow	34.8	SEC filingMar 11, 2024
Dec 31, 2021From Jan 1, 2021	Net income	30.6	SEC filingMar 11, 2024
Dec 31, 2021From Jan 1, 2021	Common-stock cash dividends	16.0	SEC filingMar 11, 2024
Dec 31, 2021From Jan 1, 2021	Capital expenditures (PP&E)	1.9	SEC filingMar 11, 2024

Latest filed value per tag and exact annual period, within the last seven years. Common-stock and total cash dividends are separate measures; do not add them together. These selected facts are not a complete financial statement.

Read the numbers in context

A higher payout ratio can reflect a larger dividend, lower earnings, or both. Capital spending also affects the FCF denominator. The accounting context matters, especially for financial firms, REITs, and business development companies.

Understand cash payout ratios · Regular vs. special dividends

Sources & corrections

Source: collected SEC filings. USYieldHub is not affiliated with or endorsed by the SEC or this issuer. Coverage is incomplete; amounts may be unadjusted for splits.

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