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Citizens & Northern CZNC Cash & Equivalents

Cash & Equivalents at other companies

Citizens Financial Services, Inc. logo
Citizens Financial Services, Inc.CZFS
$39.43M-20.3%
CNB Financial logo
CNB FinancialCCNE
$458.44M+7.8%
Capital City Bank Group logo
Capital City Bank GroupCCBG
$479.73M+1.3%
Northwest Bancshares logo
Northwest BancsharesNWBI
$248.5M-7.0%
Greene County Bancorp logo
Greene County BancorpGCBC
$144.91M-20.9%
Mid Penn Bancorp logo
Mid Penn BancorpMPB
$86.65M-74.3%

Other financials

Income statement

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Revenue$39.4M+34.6%
Net income$14.1M+130%
EPS (diluted)$0.79+97.5%

Balance sheet

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Total debt$14.6M+2,647%
Total equity$346.1M+20.9%
Total assets$3.2B+20.7%

Cash flow

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Operating cash flow$15.4M+81.2%
CapEx$150.0K-69.1%
Free cash flow$15.3M+90.3%

Valuation

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Market cap$454.11M+56.0%
Enterprise value$386.22M+101%
P/E17.9×+7.1×
P/S3.2×+0.6×

Profitability

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Net margin17.8%-6.4pp
FCF margin31.4%+7.0pp

Returns & leverage

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Return on equity8%-1.8pp
Debt / equity0.0×

Where this comes from

Reported directly by Citizens & Northern in its filing.

Tagged under the XBRL concept us-gaap:CashAndCashEquivalentsAtCarryingValue.

The source filing: Citizens & Northern’s 10-Q, filed August 7, 2026. Open the filing →

Filed
Aug 7, 2026, 11:52 AM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0001104659-26-092539

FAQ

What is Citizens & Northern's cash & equivalents?
Citizens & Northern (CZNC) reported cash & equivalents of $82.54M in Q2 2026.
How has Citizens & Northern's cash & equivalents changed year-over-year?
Citizens & Northern's cash & equivalents decreased by 17.1% year-over-year, from $99.62M to $82.54M.
What is the long-term trend for Citizens & Northern's cash & equivalents?
Over 5 years (2020 to 2025), Citizens & Northern's cash & equivalents has grown at a -14.7% compound annual growth rate (CAGR), from $101.86M to $46.06M.
What does cash & equivalents mean?
Cash on hand plus highly liquid investments with maturities of three months or less at purchase — treasury bills, money market funds, and commercial paper.

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