What is Citizens & Northern's net investment gains (losses)?

Citizens & Northern (CZNC) reported net investment gains (losses) of $26K in Q1 2026.

What is the long-term trend for Citizens & Northern's net investment gains (losses)?

Over 3 years (2021 to 2024), Citizens & Northern's net investment gains (losses) has grown at a -100.0% compound annual growth rate (CAGR), from $24K to $0.

What does net investment gains (losses) mean?

Net realized and unrealized gains and losses on the company's investment portfolio, including equity securities, debt securities, and alternative investments.

Citizens & Northern CZNC Net investment gains (losses)

Net investment gains (losses) at other companies

Citizens Financial Services, Inc.CZFS

$19K+273%

CNB FinancialCCNE

$331K—

West BancorporationWTBA

-$989.75K-238%

Greene County BancorpGCBC

-$43K-248%

Northwest BancsharesNWBI

$11K—

Mid Penn BancorpMPB

$0—

Segments

By segment

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Single Reportable$26K—

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

See full

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

See full

Net margin13.2%-11.4pp

FCF margin28.3%+3.5pp

Returns & leverage

See full

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:DebtSecuritiesAvailableForSaleRealizedGainLoss.

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 net investment gains (losses)?: Citizens & Northern (CZNC) reported net investment gains (losses) of $26K in Q1 2026.
What is the long-term trend for Citizens & Northern's net investment gains (losses)?: Over 3 years (2021 to 2024), Citizens & Northern's net investment gains (losses) has grown at a -100.0% compound annual growth rate (CAGR), from $24K to $0.
What does net investment gains (losses) mean?: Net realized and unrealized gains and losses on the company's investment portfolio, including equity securities, debt securities, and alternative investments.