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Citizens & Northern CZNC Financing receivable, allowance for credit loss, excluding accrued interest, current

Financing receivable, allowance for credit loss, excluding accrued interest, current at other companies

Xerox Holdings Corporation logo
Xerox Holdings CorporationXRX
$3M0.0%
Citizens & Northern logo
Citizens & NorthernCZNC
$33.83M+67.7%
First Financial Corporation logo
First Financial CorporationTHFF
$52.34M+11.7%
Ladder Capital logo
Ladder CapitalLADR
$47.11M-9.8%
Service Corporation International logo
Service Corporation InternationalSCI
$2.77M-1.7%
Atlantic Union Bankshares logo
Atlantic Union BanksharesAUB
$291.1M+50.2%

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

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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/S3×+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 / equity0×0.0×

Where this comes from

Reported directly by Citizens & Northern in its filing.

Tagged under the XBRL concept us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestCurrent.

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 financing receivable, allowance for credit loss, excluding accrued interest, current?
Citizens & Northern (CZNC) reported financing receivable, allowance for credit loss, excluding accrued interest, current of $33.83M in Q1 2026.
How has Citizens & Northern's financing receivable, allowance for credit loss, excluding accrued interest, current changed year-over-year?
Citizens & Northern's financing receivable, allowance for credit loss, excluding accrued interest, current increased by 67.7% year-over-year, from $20.17M to $33.83M.
What is the long-term trend for Citizens & Northern's financing receivable, allowance for credit loss, excluding accrued interest, current?
Over 4 years (2021 to 2025), Citizens & Northern's financing receivable, allowance for credit loss, excluding accrued interest, current has grown at a 23.1% compound annual growth rate (CAGR), from $13.54M to $31.05M.
What does financing receivable, allowance for credit loss, excluding accrued interest, current mean?
This is the contra-asset account representing the estimated amount of credit losses expected on financing receivables, excluding accrued interest. It reflects management's assessment of potential defaults within the loan portfolio. A higher allowance relative to total receivables typically indicates increased credit risk or a more conservative provisioning strategy.