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Citizens & Northern CZNC Business Segments — Salaries Wages And Officers Compensation

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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:SalariesWagesAndOfficersCompensation.

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
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
Income before income tax provision17,4257,53217,76015,236
Income tax provision3,3681,4153,4302,826

Cover / Front Matter

FAQ

What is Citizens & Northern's business segments — salaries wages and officers compensation?
Citizens & Northern (CZNC) reported business segments — salaries wages and officers compensation of $13.2M in Q2 2026.
How has Citizens & Northern's business segments — salaries wages and officers compensation changed year-over-year?
Citizens & Northern's business segments — salaries wages and officers compensation increased by 19.2% year-over-year, from $11.07M to $13.2M.
What is the long-term trend for Citizens & Northern's business segments — salaries wages and officers compensation?
Over 3 years (2022 to 2025), Citizens & Northern's business segments — salaries wages and officers compensation has grown at a 4.2% compound annual growth rate (CAGR), from $41.83M to $47.39M.
What does business segments — salaries wages and officers compensation mean?
The total expenditure related to employee compensation, including salaries, wages, and benefits for staff and officers. This is typically the largest component of noninterest expense and serves as a measure of operational efficiency and human capital investment.

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