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Citizens & Northern CZNC Total Interest Income

Total Interest Income at other companies

Citizens Financial Services, Inc. logo
Citizens Financial Services, Inc.CZFS
$39.51M+2.0%
CNB Financial logo
CNB FinancialCCNE
$115.66M+34.8%
Capital City Bank Group logo
Capital City Bank GroupCCBG
$51.84M+0.7%
First Community Corporation logo
First Community CorporationFCCO
$29.18M+20.7%
Northwest Bancshares logo
Northwest BancsharesNWBI
$205.14M+19.6%
Greene County Bancorp logo
Greene County BancorpGCBC
$32.58M+9.4%

Segments

By segment

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Single Reportable$41.57M+28.1%

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$454.11M+56.0%
Enterprise value$386.22M+101%
P/E17.9×+7.1×
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:InterestAndDividendIncomeOperating.

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

Filed
Aug 7, 2026, 11:52 AM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0001104659-26-092539
Line itemThree Months Ended / June 30, 2026Three Months Ended / June 30, 2025Six Months Ended / June 30, 2026Six Months Ended / June 30, 2025
Taxable3,5072,3297,0254,631
Tax-exempt5625791,1241,152
Other interest and dividend income2858935331,632
Total interest and dividend income41,56632,45482,15464,163
INTEREST EXPENSE
Interest on deposits9,8209,28419,87818,876
Interest on short-term borrowings33716131
Interest on long-term borrowings - FHLB advances1,4231,6742,8693,463

Cover / Front Matter

FAQ

What is Citizens & Northern's total interest income?
Citizens & Northern (CZNC) reported total interest income of $41.57M in Q2 2026.
How has Citizens & Northern's total interest income changed year-over-year?
Citizens & Northern's total interest income increased by 28.1% year-over-year, from $32.45M to $41.57M.
What is the long-term trend for Citizens & Northern's total interest income?
Over 4 years (2021 to 2025), Citizens & Northern's total interest income has grown at a 13.3% compound annual growth rate (CAGR), from $84.5M to $139.22M.
What does total interest income mean?
Total interest earned on all interest-bearing assets — loans, investment securities, deposits at other banks, and federal funds sold.

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