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Citizens & Northern CZNC Operating Lease Liabilities (Total)

Operating Lease Liabilities (Total) at other companies

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$42.69M+7.2%
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$26.37M-6.4%
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$2.57M-0.5%
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$1.91M+34.6%

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$455.01M+56.0%
Enterprise value$387.12M+101%
P/E18×+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:OperatingLeaseLiability.

The source filing: Citizens & Northern’s 10-K, filed March 6, 2026.

Filed
Mar 6, 2026, 2:25 PM EST
Fiscal year
FY2025
Accession
0001104659-26-024613
2027638
2028557
2029509
2030514
Thereafter1,018
Total lease payments3,955
Discount on cash flows(376)
Total lease liabilities$3,579

ITEM 7A. QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK

FAQ

What is Citizens & Northern's operating lease liabilities (total)?
Citizens & Northern (CZNC) reported operating lease liabilities (total) of $3.58M in Q4 2025.
How has Citizens & Northern's operating lease liabilities (total) changed year-over-year?
Citizens & Northern's operating lease liabilities (total) increased by 13.6% year-over-year, from $3.15M to $3.58M.
What is the long-term trend for Citizens & Northern's operating lease liabilities (total)?
Over 5 years (2020 to 2025), Citizens & Northern's operating lease liabilities (total) has grown at a 0.8% compound annual growth rate (CAGR), from $3.45M to $3.58M.
What does operating lease liabilities (total) mean?
This represents the total present value of future lease payments for operating leases, recognized as a liability on the balance sheet. It reflects the company's long-term commitment to leased assets such as office space, warehouses, and equipment. Tracking this helps investors evaluate the company's off-balance-sheet financing obligations and overall debt-like commitments.

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