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Citizens & Northern CZNC Interest Expense Senior Notes

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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$452.86M+57.4%
Enterprise value$384.96M+104%
P/E17.9×+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:InterestExpenseSeniorNotes.

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
Interest on deposits9,8209,28419,87818,876
Interest on short-term borrowings33716131
Interest on long-term borrowings - FHLB advances1,4231,6742,8693,463
Interest on senior notes, net81120202241
Interest on subordinated debt, net287233520465
Total interest expense11,94811,31224,08223,046
Net interest income29,61821,14258,07241,117
(Credit) provision for credit losses(1,846)2,35411,7562,590

Cover / Front Matter

FAQ

What is Citizens & Northern's interest expense senior notes?
Citizens & Northern (CZNC) reported interest expense senior notes of $81K in Q2 2026.
How has Citizens & Northern's interest expense senior notes changed year-over-year?
Citizens & Northern's interest expense senior notes decreased by 32.5% year-over-year, from $120K to $81K.
What is the long-term trend for Citizens & Northern's interest expense senior notes?
Over 4 years (2021 to 2025), Citizens & Northern's interest expense senior notes has grown at a 33.5% compound annual growth rate (CAGR), from $293K to $931K.
What does interest expense senior notes mean?
Interest Expense Senior Notes as reported by Citizens & Northern Corporation.

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