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Citizens & Northern CZNC Operating Cash Flow

Operating Cash Flow at other companies

Citizens Financial Services, Inc.CZFS

$18.02M+64.6%

CNB FinancialCCNE

$19.19M+65.4%

First Community CorporationFCCO

-$2.39M-137%

Capital City Bank GroupCCBG

$15.94M-27.1%

West BancorporationWTBA

$12.89M+32.2%

Greene County BancorpGCBC

$10.67M+46.1%

Other financials

Income statement

Revenue$36.6M+35.8%

Net income$273.0K-95.7%

EPS (diluted)$0.02-95.1%

Balance sheet

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

CapEx$188.0K-65.3%

Free cash flow$8.5M+713%

Valuation

Market cap$402.23M+41.5%

Enterprise value$361.02M+112%

P/E23.1×+12.6×

P/S3×+0.4×

Profitability

Net margin13.2%-11.4pp

FCF margin28.3%+3.5pp

Returns & leverage

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:NetCashProvidedByUsedInOperatingActivities.

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 operating cash flow?: Citizens & Northern (CZNC) reported operating cash flow of $8.65M in Q1 2026.
How has Citizens & Northern's operating cash flow changed year-over-year?: Citizens & Northern's operating cash flow increased by 446.7% year-over-year, from $1.58M to $8.65M.
What is the long-term trend for Citizens & Northern's operating cash flow?: Over 4 years (2021 to 2025), Citizens & Northern's operating cash flow has grown at a -2.1% compound annual growth rate (CAGR), from $34.84M to $32M.
What does operating cash flow mean?: Total cash generated by or used in core business operations — the single most important cash flow metric for assessing business health.