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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
$40.28M+3.2%
CNB Financial logo
CNB FinancialCCNE
$112.04M+36.0%
First Community Corporation logo
First Community CorporationFCCO
$28.04M+21.5%
Capital City Bank Group logo
Capital City Bank GroupCCBG
$51.02M+2.5%
West Bancorporation logo
West BancorporationWTBA
$47.39M+2.7%
Greene County Bancorp logo
Greene County BancorpGCBC
$32.58M+9.4%

Segments

By segment

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Single Reportable$40.59M+28.0%

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/S3×+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 / equity0×0.0×

Where this comes from

Reported directly by Citizens & Northern in its filing.

Tagged under the XBRL concept us-gaap:InterestAndDividendIncomeOperating.

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 income?
Citizens & Northern (CZNC) reported total interest income of $40.59M in Q1 2026.
How has Citizens & Northern's total interest income changed year-over-year?
Citizens & Northern's total interest income increased by 28.0% year-over-year, from $31.71M to $40.59M.
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.