How has Citizens & Northern's interest income (expense), operating changed year-over-year?

Citizens & Northern's interest income (expense), operating increased by 42.4% year-over-year, from $19.98M to $28.45M.

What is the long-term trend for Citizens & Northern's interest income (expense), operating?

Over 4 years (2021 to 2025), Citizens & Northern's interest income (expense), operating has grown at a 4.2% compound annual growth rate (CAGR), from $77.94M to $91.85M.

Citizens & Northern CZNC Interest Income (Expense), Operating

Interest Income (Expense), Operating at other companies

Citizens Financial Services, Inc.CZFS

$26.11M+13.5%

Capital City Bank GroupCCBG

$42.82M+3.1%

Greene County BancorpGCBC

$20.19M+24.5%

CNB FinancialCCNE

——

First Community CorporationFCCO

——

West BancorporationWTBA

——

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

See full

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:InterestIncomeExpenseNet.

The official record: Citizens & Northern’s 10-Q, filed May 8, 2026, on SEC EDGAR. View the filing →

Ask your AI about Citizens & Northern's interest income (expense), operating.

Connect your AI assistant and compare it to peers, right in your chat.

Connect your AI

Claude

Questions, answered.

What is Citizens & Northern's interest income (expense), operating?: Citizens & Northern (CZNC) reported interest income (expense), operating of $28.45M in Q1 2026.
How has Citizens & Northern's interest income (expense), operating changed year-over-year?: Citizens & Northern's interest income (expense), operating increased by 42.4% year-over-year, from $19.98M to $28.45M.
What is the long-term trend for Citizens & Northern's interest income (expense), operating?: Over 4 years (2021 to 2025), Citizens & Northern's interest income (expense), operating has grown at a 4.2% compound annual growth rate (CAGR), from $77.94M to $91.85M.