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Citizens & Northern CZNC Business Segments — Interest And Dividend Income Operating

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NECBSingle Reportable — Noninterest Income
$796K-35.5%

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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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

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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/S+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×

Where this comes from

Reported directly by Citizens & Northern in its filing.

Tagged under the XBRL concept us-gaap:InterestAndDividendIncomeOperating.

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 business segments — interest and dividend income operating?
Citizens & Northern (CZNC) reported business segments — interest and dividend income operating of $40.59M in Q1 2026.
How has Citizens & Northern's business segments — interest and dividend income operating changed year-over-year?
Citizens & Northern's business segments — interest and dividend income operating increased by 28.0% year-over-year, from $31.71M to $40.59M.
What is the long-term trend for Citizens & Northern's business segments — interest and dividend income operating?
Over 3 years (2022 to 2025), Citizens & Northern's business segments — interest and dividend income operating has grown at a 14.5% compound annual growth rate (CAGR), from $92.65M to $139.22M.
What does business segments — interest and dividend income operating mean?
The total revenue generated from interest-bearing assets, such as loans and investment securities, before accounting for interest expenses. It serves as a primary indicator of the bank's core revenue-generating capacity from its lending and investment activities.