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Citizens & Northern CZNC Occupancy and equipment

Occupancy and equipment at other companies

Citizens Financial Services, Inc. logo
Citizens Financial Services, Inc.CZFS
$1.29M+9.1%
CNB Financial logo
CNB FinancialCCNE
$5.09M+26.1%
Capital City Bank Group logo
Capital City Bank GroupCCBG
$7.32M+3.5%
First Community Corporation logo
First Community CorporationFCCO
$893K+15.7%
Northwest Bancshares logo
Northwest BancsharesNWBI
$8.49M+19.3%
Greene County Bancorp logo
Greene County BancorpGCBC
$823K+12.9%

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$454.11M+56.0%
Enterprise value$386.22M+101%
P/E17.9×+7.1×
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:OccupancyNet.

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 itemThree Months Ended / June 30, 2026Three Months Ended / June 30, 2025Six Months Ended / June 30, 2026Six Months Ended / June 30, 2025
Total noninterest income9,8008,14217,99515,150
NONINTEREST EXPENSE
Salaries and employee benefits13,19711,06726,39822,826
Net occupancy and equipment expense1,7281,4033,6192,862
Data processing and telecommunications expense2,2491,9814,6984,052
Automated teller machine and interchange expense5354031,118790
Pennsylvania shares tax5874701,172966
Professional fees7445061,3831,023

Cover / Front Matter

FAQ

What is Citizens & Northern's occupancy and equipment?
Citizens & Northern (CZNC) reported occupancy and equipment of $1.73M in Q2 2026.
How has Citizens & Northern's occupancy and equipment changed year-over-year?
Citizens & Northern's occupancy and equipment increased by 23.2% year-over-year, from $1.4M to $1.73M.
What is the long-term trend for Citizens & Northern's occupancy and equipment?
Over 4 years (2021 to 2025), Citizens & Northern's occupancy and equipment has grown at a 4.1% compound annual growth rate (CAGR), from $4.98M to $5.86M.
What does occupancy and equipment mean?
Costs for office and branch facilities (rent, utilities, maintenance) and equipment (depreciation, repairs, technology hardware) used in operations.

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