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Citizens & Northern CZNC Short-Term Borrowings

Short-Term Borrowings at other companies

CNB Financial logo
CNB FinancialCCNE
$164M
Capital City Bank Group logo
Capital City Bank GroupCCBG
$33.28M-10.5%
Greene County Bancorp logo
Greene County BancorpGCBC
$73.2M+74.3%
Mid Penn Bancorp logo
Mid Penn BancorpMPB
$31.5M+26.0%
F.N.B. Corporation logo
F.N.B. CorporationFNB
$2.16B+9.5%
CTB
Community Trust BancorpCTBI
$309.3M+28.5%

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:ShortTermBorrowings.

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 short-term borrowings?
Citizens & Northern (CZNC) reported short-term borrowings of $13.59M in Q1 2026.
How has Citizens & Northern's short-term borrowings changed year-over-year?
Citizens & Northern's short-term borrowings increased by 2280.0% year-over-year, from $571K to $13.59M.
What is the long-term trend for Citizens & Northern's short-term borrowings?
Over 5 years (2020 to 2025), Citizens & Northern's short-term borrowings has grown at a 7.4% compound annual growth rate (CAGR), from $20.02M to $28.62M.
What does short-term borrowings mean?
Bank lines of credit, revolving credit facilities, and other short-term debt instruments with maturities under one year.