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Citizens & Northern CZNC Automated Teller Machine And Interchange Expense1

Automated Teller Machine And Interchange Expense1 at other companies

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Other financials

Income statement

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Revenue$36.6M+35.8%
Net income$273.0K-95.7%
EPS (diluted)$0.02-95.1%

Balance sheet

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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

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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/S+0.4×

Profitability

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Net margin13.2%-11.4pp
FCF margin28.3%+3.5pp

Returns & leverage

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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 cznc:AutomatedTellerMachineAndInterchangeExpense1.

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 automated teller machine and interchange expense1?
Citizens & Northern (CZNC) reported automated teller machine and interchange expense1 of $583K in Q1 2026.
How has Citizens & Northern's automated teller machine and interchange expense1 changed year-over-year?
Citizens & Northern's automated teller machine and interchange expense1 increased by 50.6% year-over-year, from $387K to $583K.
What is the long-term trend for Citizens & Northern's automated teller machine and interchange expense1?
Over 4 years (2021 to 2025), Citizens & Northern's automated teller machine and interchange expense1 has grown at a 6.8% compound annual growth rate (CAGR), from $1.43M to $1.86M.
What does automated teller machine and interchange expense1 mean?
This metric tracks the costs associated with maintaining ATM networks and the fees paid to payment networks for processing debit and credit card transactions. It reflects the operational overhead required to provide physical and electronic payment access to the bank's customer base.