Skip to content

Citizens & Northern CZNC Net Interest Income

Net Interest Income at other companies

Citizens Financial Services, Inc. logo
Citizens Financial Services, Inc.CZFS
$26.11M+13.5%
CNB Financial logo
CNB FinancialCCNE
$73.32M+51.4%
First Community Corporation logo
First Community CorporationFCCO
$18.37M+27.7%
Capital City Bank Group logo
Capital City Bank GroupCCBG
$42.82M+3.1%
West Bancorporation logo
West BancorporationWTBA
$24.39M+16.9%
Greene County Bancorp logo
Greene County BancorpGCBC
$20.19M+24.5%

Segments

By segment

See full
Single Reportable$28.45M+42.4%

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/S+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×

Where this comes from

Reported directly by Citizens & Northern in its filing.

Tagged under the XBRL concept us-gaap:InterestIncomeExpenseNet.

The official record: Citizens & Northern’s 10-Q, filed May 8, 2026, on SEC EDGAR. View the filing →

Ask your AI about Citizens & Northern's net interest income.

Connect your AI assistant and compare it to peers, right in your chat.

Connect your AI
Harbor at dusk
Claude

Questions, answered.

What is Citizens & Northern's net interest income?
Citizens & Northern (CZNC) reported net interest income of $28.45M in Q1 2026.
How has Citizens & Northern's net interest income changed year-over-year?
Citizens & Northern's net interest income increased by 42.4% year-over-year, from $19.98M to $28.45M.
What is the long-term trend for Citizens & Northern's net interest income?
Over 4 years (2021 to 2025), Citizens & Northern's net interest income has grown at a 4.2% compound annual growth rate (CAGR), from $77.94M to $91.85M.
What does net interest income mean?
This is the difference between the interest earned on assets and the interest paid on liabilities, representing the core profitability of the bank's traditional lending and deposit-taking operations. It is the primary driver of a bank's earnings and is highly sensitive to interest rate fluctuations and balance sheet management.