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Citizens & Northern CZNC Interest Expense Subordinated Debt

Interest Expense Subordinated Debt at other companies

West Bancorporation logo
West BancorporationWTBA
$1.1M-0.1%
Peoples Financial Services logo
Peoples Financial ServicesPFIS
$1.75M+295%
First Mid Bancshares, Inc. logo
First Mid Bancshares, Inc.FMBH
$1.17M+23.3%
Home Bancorp logo
Home BancorpHBCP
$845K0.0%
Simmons First National logo
Simmons First NationalSFNC
$5.26M-14.2%
First Merchants Corporation logo
First Merchants CorporationFRME
$1.2M+53.6%

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:InterestExpenseSubordinatedDebt.

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 interest expense subordinated debt?
Citizens & Northern (CZNC) reported interest expense subordinated debt of $233K in Q1 2026.
How has Citizens & Northern's interest expense subordinated debt changed year-over-year?
Citizens & Northern's interest expense subordinated debt increased by 0.4% year-over-year, from $232K to $233K.
What is the long-term trend for Citizens & Northern's interest expense subordinated debt?
Over 3 years (2021 to 2024), Citizens & Northern's interest expense subordinated debt has grown at a -10.9% compound annual growth rate (CAGR), from $1.31M to $926K.
What does interest expense subordinated debt mean?
This represents the interest expense incurred on subordinated debt instruments, which rank below senior debt in the event of liquidation. It provides insight into the cost of regulatory capital and the bank's strategy for maintaining its capital adequacy ratios.