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Citizens Financial Services Inc vs Citizens & Northern Corp vs Unity Bancorp Inc vs Acnb Corp

Latest annual figures from SEC filings. Each company is shown for its own most recent fiscal year, so period ends can differ. Select a figure to see its full history.

Latest fiscal year	Citizens Financial Services Inc CZFSRevenue covers only part of its income (partial revenue)	Citizens & Northern Corp CZNC	Unity Bancorp Inc UNTY	Acnb Corp ACNB
Year ended	2025-12-31	2025-12-31	2025-12-31	2025-12-31
Revenue	n/a	n/a	n/a	$191.82M
Revenue growth (YoY)	n/a	n/a	n/a	+45.1%
Gross margin	n/a	n/a	n/a	n/a
Operating margin	n/a	n/a	n/a	n/a
Net margin	n/a	n/a	n/a	19.3%
Net income	$36.57M	$23.43M	$57.95M	$37.05M
EPS (Diluted)	$7.62	n/a	$5.67	$3.60
Operating cash flow	$36.53M	$32.00M	$44.91M	$53.64M
Free cash flow	$35.24M	$30.10M	$44.34M	$52.57M
Cash & equivalents	$34.29M	$46.06M	n/a	$65.65M
Total assets	$3.06B	$3.13B	$2.97B	$3.23B
Total liabilities	$2.73B	$2.79B	$2.62B	$2.81B
Shareholders' equity	$338.05M	$341.71M	$345.63M	$419.97M
Return on year-end equity	10.8%	6.9%	16.8%	8.8%
Shares outstanding	n/a	17.82M	9.98M	10.37M

n/a means the company did not report that line under the concept TickerFacts maps, not that it is zero.

Revenue, most recent five fiscal years

Fiscal year	Citizens Financial Services Inc	Citizens & Northern Corp	Unity Bancorp Inc	Acnb Corp
Latest	n/a	n/a	n/a	$191.82M Ended 2025-12-31
1 year earlier	n/a	n/a	n/a	$132.19M Ended 2024-12-31
2 years earlier	n/a	n/a	n/a	$115.08M Ended 2023-12-31
3 years earlier	n/a	n/a	n/a	$108.86M Ended 2022-12-31
4 years earlier	n/a	n/a	n/a	n/a