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Citizens & Northern CZNC Debt Repayments

Debt Repayments at other companies

West BancorporationWTBA

$1.25M0.0%

Greene County BancorpGCBC

$0-100%

Northwest BancsharesNWBI

$24.24M—

Mid Penn BancorpMPB

$442.63M+22,032%

Old National BancorpONB

$485.67M+1,136%

F.N.B. CorporationFNB

$5M-99.0%

Other financials

Income statement

Revenue$36.6M+35.8%

Net income$273.0K-95.7%

EPS (diluted)$0.02-95.1%

Balance sheet

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

Operating cash flow$8.7M+447%

CapEx$188.0K-65.3%

Free cash flow$8.5M+713%

Valuation

Market cap$402.23M+41.5%

Enterprise value$361.02M+112%

P/E23.1×+12.6×

P/S3×+0.4×

Profitability

Net margin13.2%-11.4pp

FCF margin28.3%+3.5pp

Returns & leverage

Return on equity5.6%-4.3pp

Debt / equity0×0.0×

Where this comes from

Reported directly by Citizens & Northern in its filing.

Tagged under the XBRL concept us-gaap:RepaymentsOfLongTermLinesOfCredit.

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 debt repayments?: Citizens & Northern (CZNC) reported debt repayments of $8.5M in Q1 2026.
How has Citizens & Northern's debt repayments changed year-over-year?: Citizens & Northern's debt repayments decreased by 22.9% year-over-year, from $11.03M to $8.5M.
What is the long-term trend for Citizens & Northern's debt repayments?: Over 4 years (2021 to 2025), Citizens & Northern's debt repayments has grown at a 14.3% compound annual growth rate (CAGR), from $26.1M to $44.52M.
What does debt repayments mean?: Cash used to repay or retire outstanding debt obligations, including scheduled maturities and early redemptions.