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Citizens & Northern CZNC Retained Earnings

Retained Earnings at other companies

Citizens Financial Services, Inc. logo
Citizens Financial Services, Inc.CZFS
$221.6M+13.8%
CNB Financial logo
CNB FinancialCCNE
$445.27M+14.8%
First Community Corporation logo
First Community CorporationFCCO
$84.29M+22.7%
Capital City Bank Group logo
Capital City Bank GroupCCBG
$519.63M+9.0%
West Bancorporation logo
West BancorporationWTBA
$300.6M+6.5%
Greene County Bancorp logo
Greene County BancorpGCBC
$267.82M+15.1%

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:RetainedEarningsAccumulatedDeficit.

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 retained earnings?
Citizens & Northern (CZNC) reported retained earnings of $166.48M in Q1 2026.
How has Citizens & Northern's retained earnings changed year-over-year?
Citizens & Northern's retained earnings decreased by 0.8% year-over-year, from $167.74M to $166.48M.
What is the long-term trend for Citizens & Northern's retained earnings?
Over 5 years (2020 to 2025), Citizens & Northern's retained earnings has grown at a 5.7% compound annual growth rate (CAGR), from $129.7M to $171.21M.
What does retained earnings mean?
Cumulative net income earned since inception minus all dividends paid — the total profits reinvested in the business over its lifetime.