Citizens & Northern CZNC Payment to Acquire Life Insurance Policy, Investing Activities

Payment to Acquire Life Insurance Policy, Investing Activities at other companies

Greene County BancorpGCBC

$0-100%

CTB

Community Trust BancorpCTBI

$0-100%

Citizens Financial Services, Inc.CZFS

——

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:PaymentsToAcquireLifeInsurancePolicies.

The official record: Citizens & Northern’s 10-K, filed March 6, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Citizens & Northern's payment to acquire life insurance policy, investing activities?: Citizens & Northern (CZNC) reported payment to acquire life insurance policy, investing activities of $0 in Q4 2025.
What does payment to acquire life insurance policy, investing activities mean?: Captures cash outflows related to the purchase or premium payments for Bank-Owned Life Insurance (BOLI) policies. Banks utilize these policies as a strategic investment to provide tax-advantaged income that helps offset the costs of employee benefit programs. This metric indicates the bank's allocation of capital toward long-term insurance assets.