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Citizens & Northern CZNC Borrowings at Fair Value

Borrowings at Fair Value at other companies

West Bancorporation logo
West BancorporationWTBA
$80.22M+0.3%
Capital City Bank Group logo
Capital City Bank GroupCCBG
Greene County Bancorp logo
Greene County BancorpGCBC
Northwest Bancshares logo
Northwest BancsharesNWBI
Citizens Financial Group logo
Citizens Financial GroupCFG

Other financials

Income statement

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Revenue$36.6M+35.8%
Net income$273.0K-95.7%
EPS (diluted)$0.02-95.1%

Balance sheet

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Cash & equivalents$54.8M-52.2%
Total debt$13.6M+2,280%
Total equity$335.6M+19.1%
Total assets$3.2B+21.3%

Cash flow

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Operating cash flow$8.7M+447%
CapEx$188.0K-65.3%
Free cash flow$8.5M+713%

Valuation

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Market cap$402.23M+41.5%
Enterprise value$361.02M+112%
P/E23.1×+12.6×
P/S+0.4×

Profitability

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Net margin13.2%-11.4pp
FCF margin28.3%+3.5pp

Returns & leverage

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Return on equity5.6%-4.3pp
Debt / equity0.0×

Where this comes from

Reported directly by Citizens & Northern in its filing.

Tagged under the XBRL concept us-gaap:SubordinatedDebt.

The official record: Citizens & Northern’s 10-Q, filed May 8, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Citizens & Northern's borrowings at fair value?
Citizens & Northern (CZNC) reported borrowings at fair value of $24.98M in Q1 2026.
How has Citizens & Northern's borrowings at fair value changed year-over-year?
Citizens & Northern's borrowings at fair value increased by 0.5% year-over-year, from $24.86M to $24.98M.
What is the long-term trend for Citizens & Northern's borrowings at fair value?
Over 5 years (2020 to 2025), Citizens & Northern's borrowings at fair value has grown at a 8.6% compound annual growth rate (CAGR), from $16.55M to $24.95M.
What does borrowings at fair value mean?
This metric represents debt obligations for which the bank has elected the fair value option for accounting purposes. By measuring these borrowings at fair value, the bank reflects changes in market interest rates and credit spreads directly in the financial statements. This approach provides transparency into the market-based valuation of the bank's liabilities.