Skip to content
OpenCapital
Get started

Citizens & Northern CZNC Net Interest Income (After Provisions)

Net Interest Income (After Provisions) at other companies

Citizens Financial Services, Inc. logo
Citizens Financial Services, Inc.CZFS
$25.61M+14.5%
CNB Financial logo
CNB FinancialCCNE
$72.33M+54.3%
First Community Corporation logo
First Community CorporationFCCO
$18.18M+30.3%
Capital City Bank Group logo
Capital City Bank GroupCCBG
$42.11M+3.3%
West Bancorporation logo
West BancorporationWTBA
$24.39M+16.9%
Greene County Bancorp logo
Greene County BancorpGCBC
$19.74M+30.5%

Segments

By segment

See full
Single Reportable$14.85M-24.8%

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:InterestIncomeExpenseAfterProvisionForLoanLoss.

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 (after provisions).

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 (after provisions)?
Citizens & Northern (CZNC) reported net interest income (after provisions) of $14.85M in Q1 2026.
How has Citizens & Northern's net interest income (after provisions) changed year-over-year?
Citizens & Northern's net interest income (after provisions) decreased by 24.8% year-over-year, from $19.74M to $14.85M.
What is the long-term trend for Citizens & Northern's net interest income (after provisions)?
Over 4 years (2021 to 2025), Citizens & Northern's net interest income (after provisions) has grown at a 3.7% compound annual growth rate (CAGR), from $74.28M to $85.78M.
What does net interest income (after provisions) mean?
This metric adjusts net interest income by subtracting the provision for credit losses, which accounts for expected future loan defaults. It provides a more accurate view of the bank's sustainable earnings after accounting for the inherent risk in its loan portfolio.