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Citizens & Northern CZNC Total noninterest expense

Total noninterest expense at other companies

Citizens Financial Services, Inc. logo
Citizens Financial Services, Inc.CZFS
$16.87M+4.5%
CNB Financial logo
CNB FinancialCCNE
$50.71M+28.0%
Capital City Bank Group logo
Capital City Bank GroupCCBG
$42.64M+0.2%
First Community Corporation logo
First Community CorporationFCCO
$15.27M+16.7%
Northwest Bancshares logo
Northwest BancsharesNWBI
$104.28M+6.9%
Greene County Bancorp logo
Greene County BancorpGCBC
$11.92M+14.7%

Segments

By segment

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Single Reportable$23.84M+22.9%

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$455.01M+56.3%
Enterprise value$387.12M+102%
P/E18×+7.2×
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:NoninterestExpense.

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
Professional fees7445061,3831,023
Merger-related expenses01670167
Other noninterest expense4,7993,4018,1635,755
Total noninterest expense23,83919,39846,55138,441
Income before income tax provision17,4257,53217,76015,236
Income tax provision3,3681,4153,4302,826
NET INCOME$14,057$6,117$14,330$12,410
EARNINGS PER COMMON SHARE - BASIC AND DILUTED$0.79$0.40$0.81$0.80

Cover / Front Matter

FAQ

What is Citizens & Northern's total noninterest expense?
Citizens & Northern (CZNC) reported total noninterest expense of $23.84M in Q2 2026.
How has Citizens & Northern's total noninterest expense changed year-over-year?
Citizens & Northern's total noninterest expense increased by 22.9% year-over-year, from $19.4M to $23.84M.
What is the long-term trend for Citizens & Northern's total noninterest expense?
Over 4 years (2021 to 2025), Citizens & Northern's total noninterest expense has grown at a 8.9% compound annual growth rate (CAGR), from $62.47M to $87.99M.
What does total noninterest expense mean?
This represents the total overhead costs required to operate the bank, excluding interest expense, such as personnel compensation, technology, occupancy, and regulatory costs. It is a primary measure of the bank's operational efficiency and cost management discipline.

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