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Citizens & Northern CZNC Short-Term Borrowings

Short-Term Borrowings at other companies

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CNB FinancialCCNE
$164M
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Capital City Bank GroupCCBG
$46.91M+35.8%
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$119M+60.8%
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$137.5M
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F.N.B. CorporationFNB
$2.68B+42.9%
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CB Financial ServicesCBFV
$65M

Other financials

Income statement

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Revenue$39.4M+34.6%
Net income$14.1M+130%
EPS (diluted)$0.79+97.5%

Balance sheet

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Cash & equivalents$82.5M-17.1%
Total debt$14.6M+2,647%
Total equity$346.1M+20.9%
Total assets$3.2B+20.7%

Cash flow

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Operating cash flow$15.4M+81.2%
CapEx$150.0K-69.1%
Free cash flow$15.3M+90.3%

Valuation

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Market cap$455.01M+56.3%
Enterprise value$387.12M+102%
P/E18×+7.2×
P/S3.2×+0.6×

Profitability

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Net margin17.8%-6.4pp
FCF margin31.4%+7.0pp

Returns & leverage

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Return on equity8%-1.8pp
Debt / equity0.0×

Where this comes from

Reported directly by Citizens & Northern in its filing.

Tagged under the XBRL concept us-gaap:ShortTermBorrowings.

The source filing: Citizens & Northern’s 10-Q, filed August 7, 2026. Open the filing →

Filed
Aug 7, 2026, 11:52 AM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0001104659-26-092539

FAQ

What is Citizens & Northern's short-term borrowings?
Citizens & Northern (CZNC) reported short-term borrowings of $14.64M in Q2 2026.
How has Citizens & Northern's short-term borrowings changed year-over-year?
Citizens & Northern's short-term borrowings increased by 2647.3% year-over-year, from $533K to $14.64M.
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.

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