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Citizens & Northern CZNC Investing Cash Flow

Investing Cash Flow at other companies

Citizens Financial Services, Inc. logo
Citizens Financial Services, Inc.CZFS
-$139.51M-297%
CNB Financial logo
CNB FinancialCCNE
-$55.79M+52.4%
Capital City Bank Group logo
Capital City Bank GroupCCBG
-$982K-108%
First Community Corporation logo
First Community CorporationFCCO
-$908K+97.2%
Northwest Bancshares logo
Northwest BancsharesNWBI
-$258.34M-187%
Greene County Bancorp logo
Greene County BancorpGCBC
-$18.32M+61.9%

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 us-gaap:NetCashProvidedByUsedInInvestingActivities.

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 itemSix Months Ended / June 30, 2026Six Months Ended / June 30, 2025
Net increase in loans(3,690)(24,008)
Purchase of premises and equipment(338)(1,027)
Other3776
Net Cash Provided by (Used in) Investing Activities2,449(20,709)
CASH FLOWS FROM FINANCING ACTIVITIES:
Net increase in deposits39,09315,867
Net decrease in short-term borrowings(13,975)(1,955)
Proceeds from long-term borrowings - FHLB advances33,0540

Cover / Front Matter

FAQ

What is Citizens & Northern's investing cash flow?
Citizens & Northern (CZNC) reported investing cash flow of $36.49M in Q2 2026.
How has Citizens & Northern's investing cash flow changed year-over-year?
Citizens & Northern's investing cash flow increased by 320.5% year-over-year, from -$16.54M to $36.49M.
What is the long-term trend for Citizens & Northern's investing cash flow?
Over 3 years (2021 to 2025), Citizens & Northern's investing cash flow has grown at a -87.6% compound annual growth rate (CAGR), from -$103.9M to $196K.
What does investing cash flow mean?
Total net cash provided by or used in investing activities — capex, acquisitions, investment purchases/sales, and other investing items.

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