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Citizens & Northern CZNC Accrued investment income

Accrued investment income at other companies

Northwest Bancshares logo
Northwest BancsharesNWBI
$4M+33.3%
Greene County Bancorp logo
Greene County BancorpGCBC
$8M+11.1%
Mid Penn Bancorp logo
Mid Penn BancorpMPB
$27.5M+17.0%
Citizens Community Bancorp logo
Citizens Community BancorpCZWI
$6.18M+0.9%
BCB Bancorp logo
BCB BancorpBCBP
$13.83M-8.8%
HOM
Home BancSharesHOMB
$108.38M+0.6%

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:AccruedInvestmentIncomeReceivable.

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
Line itemJune 30, 2026December 31, 2025
Allowance for credit losses(32,583)(31,048)
Loans, net2,316,2642,323,317
Bank-owned life insurance62,13661,094
Accrued interest receivable10,94111,594
Bank premises and equipment, net26,71227,755
Foreclosed assets held for sale181189
Deferred tax asset, net18,61717,615
Goodwill63,31163,311

Cover / Front Matter

FAQ

What is Citizens & Northern's accrued investment income?
Citizens & Northern (CZNC) reported accrued investment income of $10.94M in Q2 2026.
How has Citizens & Northern's accrued investment income changed year-over-year?
Citizens & Northern's accrued investment income increased by 25.5% year-over-year, from $8.72M to $10.94M.
What is the long-term trend for Citizens & Northern's accrued investment income?
Over 5 years (2020 to 2025), Citizens & Northern's accrued investment income has grown at a 6.9% compound annual growth rate (CAGR), from $8.29M to $11.59M.
What does accrued investment income mean?
This represents interest or dividends earned on investment securities that have been accrued but not yet received in cash. It bridges the gap between the accrual basis of accounting and actual cash inflows from the investment portfolio. Tracking this helps investors understand the timing of income recognition versus cash realization.

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