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Citizens & Northern CZNC Interest Expense

Interest Expense at other companies

Citizens Financial Services, Inc. logo
Citizens Financial Services, Inc.CZFS
$14.16M-11.5%
CNB Financial logo
CNB FinancialCCNE
$38.72M+14.0%
First Community Corporation logo
First Community CorporationFCCO
$9.67M+11.3%
Capital City Bank Group logo
Capital City Bank GroupCCBG
$8.2M-0.4%
West Bancorporation logo
West BancorporationWTBA
$23.01M-9.0%
Greene County Bancorp logo
Greene County BancorpGCBC
$12.39M-8.7%

Segments

By segment

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Single Reportable$12.13M+3.4%

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/S+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×

Where this comes from

Reported directly by Citizens & Northern in its filing.

Tagged under the XBRL concept us-gaap:InterestExpenseOperating.

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 interest expense?
Citizens & Northern (CZNC) reported interest expense of $12.13M in Q1 2026.
How has Citizens & Northern's interest expense changed year-over-year?
Citizens & Northern's interest expense increased by 3.4% year-over-year, from $11.73M to $12.13M.
What is the long-term trend for Citizens & Northern's interest expense?
Over 4 years (2021 to 2025), Citizens & Northern's interest expense has grown at a 63.9% compound annual growth rate (CAGR), from $6.56M to $47.36M.
What does interest expense mean?
Cost of borrowing — interest paid or accrued on bonds, bank loans, credit facilities, finance leases, and other debt obligations.