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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$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:NetIncomeLoss.

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 — net income loss?
Citizens & Northern (CZNC) reported business segments — net income loss of $273K in Q1 2026.
How has Citizens & Northern's business segments — net income loss changed year-over-year?
Citizens & Northern's business segments — net income loss decreased by 95.7% year-over-year, from $6.29M to $273K.
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.