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Citizens & Northern CZNC Net investment gains (losses)

Net investment gains (losses) at other companies

Citizens Financial Services, Inc. logo
Citizens Financial Services, Inc.CZFS
$96K+200%
CNB Financial logo
CNB FinancialCCNE
$0
Northwest Bancshares logo
Northwest BancsharesNWBI
$336K
Greene County Bancorp logo
Greene County BancorpGCBC
-$43K-248%
Mid Penn Bancorp logo
Mid Penn BancorpMPB
$0+100%
Citizens Community Bancorp logo
Citizens Community BancorpCZWI
$160K+61.6%

Segments

By segment

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Single Reportable$1K

Other financials

Income statement

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Revenue$39.4M+34.6%
Net income$14.1M+130%
EPS (diluted)$0.79+97.5%

Balance sheet

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Cash & equivalents$82.5M-17.1%
Total debt$14.6M+2,647%
Total equity$346.1M+20.9%
Total assets$3.2B+20.7%

Cash flow

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Operating cash flow$15.4M+81.2%
CapEx$150.0K-69.1%
Free cash flow$15.3M+90.3%

Valuation

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Market cap$454.11M+56.0%
Enterprise value$386.22M+101%
P/E17.9×+7.1×
P/S3.2×+0.6×

Profitability

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Net margin17.8%-6.4pp
FCF margin31.4%+7.0pp

Returns & leverage

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Return on equity8%-1.8pp
Debt / equity0.0×

Where this comes from

Reported directly by Citizens & Northern in its filing.

Tagged under the XBRL concept us-gaap:DebtSecuritiesAvailableForSaleRealizedGainLoss.

The source filing: Citizens & Northern’s 10-Q, filed August 7, 2026.

Filed
Aug 7, 2026, 11:52 AM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0001104659-26-092539
Line itemThree Months Ended / June 30, 2026Three Months Ended / June 30, 2025Six Months Ended / June 30, 2026Six Months Ended / June 30, 2025
Loan servicing fees, net193173301311
Increase in cash surrender value of life insurance5274661,042923
Other noninterest income2,3052,0303,8913,162
Realized gains on available-for-sale debt securities, net10270
Total noninterest income9,8008,14217,99515,150
NONINTEREST EXPENSE
Salaries and employee benefits13,19711,06726,39822,826
Net occupancy and equipment expense1,7281,4033,6192,862

Cover / Front Matter

FAQ

What is Citizens & Northern's net investment gains (losses)?
Citizens & Northern (CZNC) reported net investment gains (losses) of $1K in Q2 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.

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