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Citizens & Northern CZNC Pre-Tax Income

Pre-Tax Income at other companies

Citizens Financial Services, Inc. logo
Citizens Financial Services, Inc.CZFS
$12.7M+34.8%
CNB Financial logo
CNB FinancialCCNE
$33.14M+131%
First Community Corporation logo
First Community CorporationFCCO
$5.94M+14.6%
Capital City Bank Group logo
Capital City Bank GroupCCBG
$20.67M-6.0%
West Bancorporation logo
West BancorporationWTBA
$13.47M+34.3%
Greene County Bancorp logo
Greene County BancorpGCBC
$12.16M+36.0%

Segments

By segment

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Single Reportable$335K-95.7%

Other financials

Income statement

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Revenue$36.6M+35.8%
Net income$273.0K-95.7%
EPS (diluted)$0.02-95.1%

Balance sheet

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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

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Operating cash flow$8.7M+447%
CapEx$188.0K-65.3%
Free cash flow$8.5M+713%

Valuation

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Market cap$402.23M+41.5%
Enterprise value$361.02M+112%
P/E23.1×+12.6×
P/S3×+0.4×

Profitability

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Net margin13.2%-11.4pp
FCF margin28.3%+3.5pp

Returns & leverage

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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:IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest.

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 pre-tax income?
Citizens & Northern (CZNC) reported pre-tax income of $335K in Q1 2026.
How has Citizens & Northern's pre-tax income changed year-over-year?
Citizens & Northern's pre-tax income decreased by 95.7% year-over-year, from $7.7M to $335K.
What is the long-term trend for Citizens & Northern's pre-tax income?
Over 4 years (2021 to 2025), Citizens & Northern's pre-tax income has grown at a -6.6% compound annual growth rate (CAGR), from $37.69M to $28.64M.
What does pre-tax income mean?
Total income from all sources — operating income plus non-operating items like interest income, investment gains, and other income — before the provision for income taxes.