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Total debt at other companies

Citizens Financial Services, Inc. logo
Citizens Financial Services, Inc.CZFS
$198.74M-34.2%
CNB Financial logo
CNB FinancialCCNE
$310.08M+122%
First Community Corporation logo
First Community CorporationFCCO
$2.57M-0.5%
Capital City Bank Group logo
Capital City Bank GroupCCBG
$60.31M-8.3%
West Bancorporation logo
West BancorporationWTBA
$25M-39.7%
Greene County Bancorp logo
Greene County BancorpGCBC
$75.45M+71.7%

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 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

Calculated from Citizens & Northern’s reported figures.

Plus components not separately reported this period.

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 total debt?
Citizens & Northern (CZNC) reported total debt of $13.59M in Q1 2026.
How has Citizens & Northern's total debt changed year-over-year?
Citizens & Northern's total debt increased by 2280.0% year-over-year, from $571K to $13.59M.
What is the long-term trend for Citizens & Northern's total debt?
Over 5 years (2020 to 2025), Citizens & Northern's total debt has grown at a 6.5% compound annual growth rate (CAGR), from $23.47M to $32.2M.
What does total debt mean?
Total debt represents the aggregate sum of all interest-bearing financial obligations, including short-term borrowings, the current portion of long-term debt, and long-term debt instruments. It also encompasses capitalized lease liabilities and other debt-like financing arrangements that require fixed repayment schedules. This metric serves as a comprehensive indicator of a company's total financial leverage and its reliance on external capital providers.