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Citizens & Northern CZNC Business Segments — Noninterest Expense

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NECBSingle Reportable — Noninterest Expense
$10.88M+2.4%
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$2.77M-2.9%
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FULTReportable Segment — Noninterest Expense
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PFSReportable Segment — Noninterest Expense
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CCNEReportable Segment — Noninterest Expense
$49.19M+19.9%

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:NoninterestExpense.

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 — noninterest expense?
Citizens & Northern (CZNC) reported business segments — noninterest expense of $22.71M in Q1 2026.
How has Citizens & Northern's business segments — noninterest expense changed year-over-year?
Citizens & Northern's business segments — noninterest expense increased by 19.3% year-over-year, from $19.04M to $22.71M.
What is the long-term trend for Citizens & Northern's business segments — noninterest expense?
Over 3 years (2022 to 2025), Citizens & Northern's business segments — noninterest expense has grown at a 9.0% compound annual growth rate (CAGR), from $67.96M to $87.99M.
What does business segments — noninterest expense mean?
This metric measures the total operating costs incurred by the business segment, excluding interest-related expenses. It encompasses essential expenditures such as personnel compensation, technology investments, and administrative overhead necessary to maintain banking operations. Managing this figure is critical for maintaining the bank's operational efficiency and overall margin performance.