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Citizens & Northern CZNC Interest Income (Expense), after Provision for Loan Loss

Interest Income (Expense), after Provision for Loan Loss at other companies

Citizens Financial Services, Inc. logo
Citizens Financial Services, Inc.CZFS
CNB Financial logo
CNB FinancialCCNE
First Community Corporation logo
First Community CorporationFCCO
Capital City Bank Group logo
Capital City Bank GroupCCBG
West Bancorporation logo
West BancorporationWTBA
Greene County Bancorp logo
Greene County BancorpGCBC

Segments

By segment

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Single Reportable$14.85M-24.8%

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 us-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss.

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 income (expense), after provision for loan loss?
Citizens & Northern (CZNC) reported interest income (expense), after provision for loan loss of $14.85M in Q1 2026.
How has Citizens & Northern's interest income (expense), after provision for loan loss changed year-over-year?
Citizens & Northern's interest income (expense), after provision for loan loss decreased by 24.8% year-over-year, from $19.74M to $14.85M.
What is the long-term trend for Citizens & Northern's interest income (expense), after provision for loan loss?
Over 4 years (2021 to 2025), Citizens & Northern's interest income (expense), after provision for loan loss has grown at a 3.7% compound annual growth rate (CAGR), from $74.28M to $85.78M.