What is Citizens & Northern's net income?

Citizens & Northern (CZNC) reported net income of $273K in Q1 2026.

How has Citizens & Northern's net income changed year-over-year?

Citizens & Northern's net income decreased by 95.7% year-over-year, from $6.29M to $273K.

What is the long-term trend for Citizens & Northern's net income?

Over 4 years (2021 to 2025), Citizens & Northern's net income has grown at a -6.4% compound annual growth rate (CAGR), from $30.55M to $23.43M.

What does net income mean?

Net income as the starting point for the indirect method operating cash flow reconciliation.

Citizens & Northern CZNC Net Income

Net Income at other companies

Citizens Financial Services, Inc.CZFS

$10.38M+36.2%

CNB FinancialCCNE

$27.04M+135%

First Community CorporationFCCO

$5.5M+37.6%

Capital City Bank GroupCCBG

$15.82M-6.2%

West BancorporationWTBA

$10.57M+34.8%

Greene County BancorpGCBC

$10.52M+30.6%

Segments

By segment

See full

Single Reportable$273K-95.7%

Other financials

Income statement

See full

Revenue$36.6M+35.8%

Net income$273.0K-95.7%

EPS (diluted)$0.02-95.1%

Balance sheet

See full

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

See full

Operating cash flow$8.7M+447%

CapEx$188.0K-65.3%

Free cash flow$8.5M+713%

Valuation

See full

Market cap$402.23M+41.5%

Enterprise value$361.02M+112%

P/E23.1×+12.6×

P/S3×+0.4×

Profitability

See full

Net margin13.2%-11.4pp

FCF margin28.3%+3.5pp

Returns & leverage

See full

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:ProfitLoss.

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 net income?: Citizens & Northern (CZNC) reported net income of $273K in Q1 2026.
How has Citizens & Northern's net income changed year-over-year?: Citizens & Northern's net income decreased by 95.7% year-over-year, from $6.29M to $273K.
What is the long-term trend for Citizens & Northern's net income?: Over 4 years (2021 to 2025), Citizens & Northern's net income has grown at a -6.4% compound annual growth rate (CAGR), from $30.55M to $23.43M.
What does net income mean?: Net income as the starting point for the indirect method operating cash flow reconciliation.