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Citizens & Northern CZNC Current Debt

Current Debt at other companies

Citizens Financial Services, Inc.CZFS

$282.3M+4.2%

CNB FinancialCCNE

$164M—

Capital City Bank GroupCCBG

$33.28M-10.5%

Mid Penn BancorpMPB

$31.5M+26.0%

F.N.B. CorporationFNB

$2.16B+9.5%

CTB

Community Trust BancorpCTBI

$309.3M+28.5%

Other financials

Income statement

Revenue$36.6M+35.8%

Net income$273.0K-95.7%

EPS (diluted)$0.02-95.1%

Balance sheet

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

Operating cash flow$8.7M+447%

CapEx$188.0K-65.3%

Free cash flow$8.5M+713%

Valuation

Market cap$402.23M+41.5%

Enterprise value$361.02M+112%

P/E23.1×+12.6×

P/S3×+0.4×

Profitability

Net margin13.2%-11.4pp

FCF margin28.3%+3.5pp

Returns & leverage

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:ShortTermBorrowings.

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 current debt?: Citizens & Northern (CZNC) reported current debt of $13.59M in Q1 2026.
How has Citizens & Northern's current debt changed year-over-year?: Citizens & Northern's current debt increased by 2280.0% year-over-year, from $571K to $13.59M.
What is the long-term trend for Citizens & Northern's current debt?: Over 5 years (2020 to 2025), Citizens & Northern's current debt has grown at a 7.4% compound annual growth rate (CAGR), from $20.02M to $28.62M.
What does current debt mean?: The portion of long-term debt maturing within the next 12 months, requiring refinancing or repayment from operating cash flows.