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Citizens & Northern CZNC Business Segments — Noninterest Expense

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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:NoninterestExpense.

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
(In Thousands)Three Months Ended / June 30, 2026Three Months Ended / June 30, 2025Six Months Ended / June 30, 2026Six Months Ended / June 30, 2025
Total noninterest income9,8008,14217,99515,150
Other noninterest expense:
Salaries and employee benefits13,19711,06726,39822,826
Other segment expenses (1)10,6428,33120,15315,615
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$14,33012,410

Cover / Front Matter

FAQ

What is Citizens & Northern's business segments — noninterest expense?
Citizens & Northern (CZNC) reported business segments — noninterest expense of $23.84M in Q2 2026.
How has Citizens & Northern's business segments — noninterest expense changed year-over-year?
Citizens & Northern's business segments — noninterest expense increased by 22.9% year-over-year, from $19.4M to $23.84M.
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.

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