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Unity Bancorp Inc vs Citizens Financial Services Inc vs Investar Holding Corp vs Citizens & Northern 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	Unity Bancorp Inc UNTY	Citizens Financial Services Inc CZFSRevenue covers only part of its income (partial revenue)	Investar Holding Corp ISTR	Citizens & Northern Corp CZNC
Year ended	2025-12-31	2025-12-31	2025-12-31	2025-12-31
Revenue	n/a	n/a	$93.63M	n/a
Revenue growth (YoY)	n/a	n/a	+7.1%	n/a
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	24.5%	n/a
Net income	$57.95M	$36.57M	$22.90M	$23.43M
EPS (Diluted)	$5.67	$7.62	$2.13	n/a
Operating cash flow	$44.91M	$36.53M	$18.22M	$32.00M
Free cash flow	$44.34M	$35.24M	n/a	$30.10M
Cash & equivalents	n/a	$34.29M	n/a	$46.06M
Total assets	$2.97B	$3.06B	$2.83B	$3.13B
Total liabilities	$2.62B	$2.73B	$2.53B	$2.79B
Shareholders' equity	$345.63M	$338.05M	$301.07M	$341.71M
Return on year-end equity	16.8%	10.8%	7.6%	6.9%
Shares outstanding	9.98M	n/a	9.80M	17.82M

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	Unity Bancorp Inc	Citizens Financial Services Inc	Investar Holding Corp	Citizens & Northern Corp
Latest	n/a	n/a	$93.63M Ended 2025-12-31	n/a
1 year earlier	n/a	n/a	$87.44M Ended 2024-12-31	n/a
2 years earlier	n/a	n/a	$83.06M Ended 2023-12-31	n/a
3 years earlier	n/a	n/a	$105.21M Ended 2022-12-31	n/a
4 years earlier	n/a	n/a	$72.97M Ended 2021-12-31	n/a