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Citizens & Northern CZNC Business Segments — Interest Expense Operating

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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:InterestExpenseOperating.

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
Line itemThree Months Ended / June 30, 2026Three Months Ended / June 30, 2025Six Months Ended / June 30, 2026Six Months Ended / June 30, 2025
Interest on long-term borrowings - FHLB advances1,4231,6742,8693,463
Interest on senior notes, net81120202241
Interest on subordinated debt, net287233520465
Total interest expense11,94811,31224,08223,046
Net interest income29,61821,14258,07241,117
(Credit) provision for credit losses(1,846)2,35411,7562,590
Net interest income after (credit) provision for credit losses31,46418,78846,31638,527
NONINTEREST INCOME

Cover / Front Matter

FAQ

What is Citizens & Northern's business segments — interest expense operating?
Citizens & Northern (CZNC) reported business segments — interest expense operating of $11.95M in Q2 2026.
How has Citizens & Northern's business segments — interest expense operating changed year-over-year?
Citizens & Northern's business segments — interest expense operating increased by 5.6% year-over-year, from $11.31M to $11.95M.
What is the long-term trend for Citizens & Northern's business segments — interest expense operating?
Over 3 years (2022 to 2025), Citizens & Northern's business segments — interest expense operating has grown at a 70.7% compound annual growth rate (CAGR), from $9.52M to $47.36M.
What does business segments — interest expense operating mean?
The total cost incurred by the bank to pay interest on deposits, borrowings, and other interest-bearing liabilities. Monitoring this metric helps assess the bank's cost of funds and its sensitivity to interest rate fluctuations.

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