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Citizens & Northern CZNC Automated Teller Machine And Interchange Expense1

Automated Teller Machine And Interchange Expense1 at other companies

Civista Bancshares logo
Civista BancsharesCIVB
$743K+8.8%
Civista Bancshares logo
Civista BancsharesCIVB
$743K+8.8%
Civista Bancshares logo
Civista BancsharesCIVB
$1.56M+9.7%
Civista Bancshares logo
Civista BancsharesCIVB
$1.56M+9.7%
Orrstown Financial Services logo
Orrstown Financial ServicesORRF
$1.17M+89.8%
Orrstown Financial Services logo
Orrstown Financial ServicesORRF
$1.17M+89.8%

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$455.01M+56.3%
Enterprise value$387.12M+102%
P/E18×+7.2×
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 cznc:AutomatedTellerMachineAndInterchangeExpense1.

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
Salaries and employee benefits13,19711,06726,39822,826
Net occupancy and equipment expense1,7281,4033,6192,862
Data processing and telecommunications expense2,2491,9814,6984,052
Automated teller machine and interchange expense5354031,118790
Pennsylvania shares tax5874701,172966
Professional fees7445061,3831,023
Merger-related expenses01670167
Other noninterest expense4,7993,4018,1635,755

Cover / Front Matter

FAQ

What is Citizens & Northern's automated teller machine and interchange expense1?
Citizens & Northern (CZNC) reported automated teller machine and interchange expense1 of $535K in Q2 2026.
How has Citizens & Northern's automated teller machine and interchange expense1 changed year-over-year?
Citizens & Northern's automated teller machine and interchange expense1 increased by 32.8% year-over-year, from $403K to $535K.
What is the long-term trend for Citizens & Northern's automated teller machine and interchange expense1?
Over 4 years (2021 to 2025), Citizens & Northern's automated teller machine and interchange expense1 has grown at a 6.8% compound annual growth rate (CAGR), from $1.43M to $1.86M.
What does automated teller machine and interchange expense1 mean?
Automated Teller Machine And Interchange Expense1 as reported by Citizens & Northern Corporation.

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