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Discontinued — last reported Q2 '26

Current Debt at other companies

Citizens Financial Services, Inc. logo
Citizens Financial Services, Inc.CZFS
$282.3M+4.2%
CTB
Community Trust BancorpCTBI
$309.3M+28.5%
PRO
Provident Financial HoldingsPROV
$163M+12.0%

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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Cash & equivalents$82.5M-17.1%
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:ShortTermBorrowings.

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 current debt?
Citizens & Northern (CZNC) reported current debt of $14.64M in Q2 2026.
How has Citizens & Northern's current debt changed year-over-year?
Citizens & Northern's current debt increased by 2647.3% year-over-year, from $533K to $14.64M.
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.

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