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Citizens & Northern CZNC Business Segments — Income Tax Expense Benefit

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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$455.01M+56.3%
Enterprise value$387.12M+102%
P/E18×+7.2×
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:IncomeTaxExpenseBenefit.

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

Filed
Aug 7, 2026, 11:52 AM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0001104659-26-092539
(In Thousands)Three Months Ended / June 30, 2026Three Months Ended / June 30, 2025Six Months Ended / June 30, 2026Six Months Ended / June 30, 2025
Total noninterest income9,8008,14217,99515,150
Other noninterest expense:
Salaries and employee benefits13,19711,06726,39822,826
Other segment expenses (1)10,6428,33120,15315,615
Total noninterest expense23,83919,39846,55138,441
Income before income tax provision17,4257,53217,76015,236
Income tax provision3,3681,4153,4302,826
NET INCOME$$14,057$6,117$14,33012,410

Cover / Front Matter

FAQ

What is Citizens & Northern's business segments — income tax expense benefit?
Citizens & Northern (CZNC) reported business segments — income tax expense benefit of $3.37M in Q2 2026.
How has Citizens & Northern's business segments — income tax expense benefit changed year-over-year?
Citizens & Northern's business segments — income tax expense benefit increased by 138.0% year-over-year, from $1.42M to $3.37M.
What is the long-term trend for Citizens & Northern's business segments — income tax expense benefit?
Over 3 years (2022 to 2025), Citizens & Northern's business segments — income tax expense benefit has grown at a -3.1% compound annual growth rate (CAGR), from $5.73M to $5.22M.
What does business segments — income tax expense benefit mean?
This metric reflects the total income tax provision allocated to the business segment based on its pre-tax earnings. It represents the fiscal obligation to government authorities resulting from the segment's operational activities. Analyzing this helps investors understand the effective tax burden on the segment's bottom-line performance.

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