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Citizens & Northern CZNC Redemption Of Federal Home Loan Bank Stock

Redemption Of Federal Home Loan Bank Stock at other companies

CTB
Community Trust BancorpCTBI
$0-100%
Citizens Financial Services, Inc. logo
Citizens Financial Services, Inc.CZFS
$12.89M+27.8%
Southside Bancshares logo
Southside BancsharesSBSI
$9.32M
Flagstar Bank
 logo
Flagstar Bank FLG
$90M+4.7%
GBC
Glacier BancorpGBCI
$21.61M+67.1%
Renasant logo
RenasantRNST
$16.02M

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 cznc:RedemptionOfFederalHomeLoanBankStock.

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 redemption of federal home loan bank stock?
Citizens & Northern (CZNC) reported redemption of federal home loan bank stock of $3.85M in Q1 2026.
How has Citizens & Northern's redemption of federal home loan bank stock changed year-over-year?
Citizens & Northern's redemption of federal home loan bank stock increased by 1020.3% year-over-year, from $344K to $3.85M.
What is the long-term trend for Citizens & Northern's redemption of federal home loan bank stock?
Over 4 years (2021 to 2025), Citizens & Northern's redemption of federal home loan bank stock has grown at a 13.1% compound annual growth rate (CAGR), from $2.52M to $4.12M.
What does redemption of federal home loan bank stock mean?
This represents the cash received from the Federal Home Loan Bank (FHLB) upon the redemption of required membership stock. As banks reduce their borrowing needs or membership requirements change, they may redeem excess stock held in the FHLB. This serves as a source of cash flow from the bank's regulatory investment holdings.