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Citizens & Northern CZNC Interest On Loans To Political Subdivisions

Interest On Loans To Political Subdivisions 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/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 cznc:InterestOnLoansToPoliticalSubdivisions.

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 on loans to political subdivisions?
Citizens & Northern (CZNC) reported interest on loans to political subdivisions of $619K in Q1 2026.
How has Citizens & Northern's interest on loans to political subdivisions changed year-over-year?
Citizens & Northern's interest on loans to political subdivisions increased by 4.6% year-over-year, from $592K to $619K.
What is the long-term trend for Citizens & Northern's interest on loans to political subdivisions?
Over 4 years (2021 to 2025), Citizens & Northern's interest on loans to political subdivisions has grown at a 8.1% compound annual growth rate (CAGR), from $1.77M to $2.42M.
What does interest on loans to political subdivisions mean?
This represents interest income derived from lending activities to government entities, such as municipalities or school districts. It reflects the bank's exposure to public sector credit and the yield generated from these lower-risk, tax-advantaged assets.