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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
$16.6M+1.4%
CNB Financial logo
CNB FinancialCCNE
$49.19M+19.9%
First Community Corporation logo
First Community CorporationFCCO
$17.03M+33.5%
Capital City Bank Group logo
Capital City Bank GroupCCBG
$41.37M+6.9%
West Bancorporation logo
West BancorporationWTBA
$13.47M+3.1%
Greene County Bancorp logo
Greene County BancorpGCBC
$11.28M+12.3%

Segments

By segment

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Single Reportable$22.71M+19.3%

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:NoninterestExpense.

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 noninterest expense?
Citizens & Northern (CZNC) reported total noninterest expense of $22.71M in Q1 2026.
How has Citizens & Northern's total noninterest expense changed year-over-year?
Citizens & Northern's total noninterest expense increased by 19.3% year-over-year, from $19.04M to $22.71M.
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.