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Citizens & Northern CZNC Business Segments — Net Income Loss

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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:NetIncomeLoss.

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
Professional fees7445061,3831,023
Merger-related expenses01670167
Other noninterest expense4,7993,4018,1635,755
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$14,330$12,410
EARNINGS PER COMMON SHARE - BASIC AND DILUTED$0.79$0.40$0.81$0.80

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FAQ

What is Citizens & Northern's business segments — net income loss?
Citizens & Northern (CZNC) reported business segments — net income loss of $14.06M in Q2 2026.
How has Citizens & Northern's business segments — net income loss changed year-over-year?
Citizens & Northern's business segments — net income loss increased by 129.8% year-over-year, from $6.12M to $14.06M.
What is the long-term trend for Citizens & Northern's business segments — net income loss?
Over 3 years (2022 to 2025), Citizens & Northern's business segments — net income loss has grown at a -4.2% compound annual growth rate (CAGR), from $26.62M to $23.43M.
What does business segments — net income loss mean?
This metric represents the final bottom-line profitability of the business segment after all operating expenses, interest costs, provisions for credit losses, and taxes have been deducted. It is the definitive measure of the segment's contribution to the overall financial success of the corporation. Investors use this to evaluate the segment's ability to generate sustainable value for shareholders.

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