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Citizens & Northern CZNC Cash & Equivalents

Cash & Equivalents at other companies

Citizens Financial Services, Inc. logo
Citizens Financial Services, Inc.CZFS
$33.11M-10.0%
CNB Financial logo
CNB FinancialCCNE
$602.46M+15.8%
Capital City Bank Group logo
Capital City Bank GroupCCBG
$488.97M-6.8%
West Bancorporation logo
West BancorporationWTBA
$361.98M+71.9%
Greene County Bancorp logo
Greene County BancorpGCBC
$139.45M-10.3%
Northwest Bancshares logo
Northwest BancsharesNWBI
$286.71M-18.8%

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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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/S3×+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 / equity0×0.0×

Where this comes from

Reported directly by Citizens & Northern in its filing.

Tagged under the XBRL concept us-gaap:CashAndCashEquivalentsAtCarryingValue.

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 cash & equivalents?
Citizens & Northern (CZNC) reported cash & equivalents of $54.8M in Q1 2026.
How has Citizens & Northern's cash & equivalents changed year-over-year?
Citizens & Northern's cash & equivalents decreased by 52.2% year-over-year, from $114.74M to $54.8M.
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.