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Citizens & Northern CZNC Total Interest Expense

Total Interest Expense at other companies

Citizens Financial Services, Inc. logo
Citizens Financial Services, Inc.CZFS
$11.31M-8.0%
CNB Financial logo
CNB FinancialCCNE
$35.97M+10.2%
Capital City Bank Group logo
Capital City Bank GroupCCBG
$7.4M+0.2%
West Bancorporation logo
West BancorporationWTBA
$19.26M-10.1%
Greene County Bancorp logo
Greene County BancorpGCBC
$11.98M-7.9%
Northwest Bancshares logo
Northwest BancsharesNWBI
$51.08M+7.9%

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:InterestExpenseLongTermDebt.

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 interest expense?
Citizens & Northern (CZNC) reported total interest expense of $1.45M in Q1 2026.
How has Citizens & Northern's total interest expense changed year-over-year?
Citizens & Northern's total interest expense decreased by 19.2% year-over-year, from $1.79M to $1.45M.
What is the long-term trend for Citizens & Northern's total interest expense?
Over 4 years (2021 to 2025), Citizens & Northern's total interest expense has grown at a 100.7% compound annual growth rate (CAGR), from $399K to $6.47M.
What does total interest expense mean?
This represents the aggregate interest costs incurred on all interest-bearing liabilities, including customer deposits, short-term borrowings, and long-term debt. It is a critical measure of the bank's cost of funds and its efficiency in managing its funding mix.