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Citizens & Northern CZNC Business Segments — Other 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$454.11M+56.0%
Enterprise value$386.22M+101%
P/E17.9×+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:OtherIncome.

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
(Credit) provision for credit losses(1,846)2,35411,7562,590
Net interest income after (credit) provision for credit losses31,46418,78846,31638,527
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

Cover / Front Matter

FAQ

What is Citizens & Northern's business segments — other income?
Citizens & Northern (CZNC) reported business segments — other income of $9.8M in Q2 2026.
How has Citizens & Northern's business segments — other income changed year-over-year?
Citizens & Northern's business segments — other 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 — other income?
Over 3 years (2022 to 2025), Citizens & Northern's business segments — other income has grown at a 8.1% compound annual growth rate (CAGR), from $24.41M to $30.81M.
What does business segments — other income mean?
Revenue streams derived from sources outside of traditional net interest income, such as service charges, trust fees, and other financial services. This metric highlights the bank's ability to diversify its revenue base beyond lending.

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