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Citizens & Northern CZNC Business Segments — Noninterest Income

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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+56.0%
Enterprise value$387.12M+101%
P/E18×+7.1×
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:NoninterestIncome.

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
Other income:
Other noninterest income9,7998,14217,96815,150
Realized gains on available-for-sale debt securities, net10270
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

Cover / Front Matter

FAQ

What is Citizens & Northern's business segments — noninterest income?
Citizens & Northern (CZNC) reported business segments — noninterest income of $9.8M in Q2 2026.
How has Citizens & Northern's business segments — noninterest income changed year-over-year?
Citizens & Northern's business segments — noninterest income increased by 20.4% year-over-year, from $8.14M to $9.8M.
What is the long-term trend for Citizens & Northern's business segments — noninterest income?
Over 3 years (2022 to 2025), Citizens & Northern's business segments — noninterest income has grown at a 8.1% compound annual growth rate (CAGR), from $24.43M to $30.85M.
What does business segments — noninterest income mean?
Total income generated from non-interest sources, including fees, commissions, and other service-related revenue. It is a key indicator of the bank's success in generating fee-based income and reducing reliance on interest rate spreads.

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