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Citizens & Northern CZNC Net change in short-term borrowings

Net change in short-term borrowings at other companies

Capital City Bank Group logo
Capital City Bank GroupCCBG
-$16.82M-289%
Northwest Bancshares logo
Northwest BancsharesNWBI
-$71.08M-2,222%
F.N.B. Corporation logo
F.N.B. CorporationFNB
$139M-80.5%
Farmers National Banc Corp logo
Farmers National Banc CorpFMNB
-$85M+58.1%
United Community Banks logo
United Community BanksUCB
-$85M+56.4%
Citizens Financial Group logo
Citizens Financial GroupCFG
-$4M-109%

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:ProceedsFromRepaymentsOfShortTermDebt.

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 net change in short-term borrowings?
Citizens & Northern (CZNC) reported net change in short-term borrowings of -$15.03M in Q1 2026.
How has Citizens & Northern's net change in short-term borrowings changed year-over-year?
Citizens & Northern's net change in short-term borrowings decreased by 683.9% year-over-year, from -$1.92M to -$15.03M.
What is the long-term trend for Citizens & Northern's net change in short-term borrowings?
Over 2 years (2021 to 2025), Citizens & Northern's net change in short-term borrowings has grown at a 6.6% compound annual growth rate (CAGR), from -$18.15M to -$20.63M.
What does net change in short-term borrowings mean?
Net change in short-term borrowings — new borrowings minus repayments, presented net due to high volume and short maturities.