What is the long-term trend for Citizens & Northern's provision for loan, lease, and other losses?

Over 3 years (2021 to 2025), Citizens & Northern's provision for loan, lease, and other losses has grown at a 18.4% compound annual growth rate (CAGR), from $3.66M to $6.07M.

Citizens & Northern CZNC Provision for Loan, Lease, and Other Losses

Provision for Loan, Lease, and Other Losses at other companies

First Community CorporationFCCO

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Capital City Bank GroupCCBG

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West BancorporationWTBA

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Greene County BancorpGCBC

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Northwest BancsharesNWBI

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Mid Penn BancorpMPB

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Segments

By segment

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Single Reportable$13.6M+5,664%

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

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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:ProvisionForLoanLeaseAndOtherLosses.

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 provision for loan, lease, and other losses?: Citizens & Northern (CZNC) reported provision for loan, lease, and other losses of $13.6M in Q1 2026.
How has Citizens & Northern's provision for loan, lease, and other losses changed year-over-year?: Citizens & Northern's provision for loan, lease, and other losses increased by 5663.6% year-over-year, from $236K to $13.6M.
What is the long-term trend for Citizens & Northern's provision for loan, lease, and other losses?: Over 3 years (2021 to 2025), Citizens & Northern's provision for loan, lease, and other losses has grown at a 18.4% compound annual growth rate (CAGR), from $3.66M to $6.07M.