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Citizens & Northern CZNC Total noninterest income

Total noninterest income at other companies

Citizens Financial Services, Inc. logo
Citizens Financial Services, Inc.CZFS
$4.01M+9.5%
CNB Financial logo
CNB FinancialCCNE
$11.3M+25.5%
Capital City Bank Group logo
Capital City Bank GroupCCBG
$20.6M+2.9%
First Community Corporation logo
First Community CorporationFCCO
$5.64M+34.0%
Northwest Bancshares logo
Northwest BancsharesNWBI
$34.23M+10.6%
Greene County Bancorp logo
Greene County BancorpGCBC
$3.83M+1.6%

Segments

By segment

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Single Reportable$9.8M+20.4%

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+56.0%
Enterprise value$387.12M+101%
P/E18×+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:NoninterestIncome.

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
Increase in cash surrender value of life insurance5274661,042923
Other noninterest income2,3052,0303,8913,162
Realized gains on available-for-sale debt securities, net10270
Total noninterest income9,8008,14217,99515,150
NONINTEREST EXPENSE
Salaries and employee benefits13,19711,06726,39822,826
Net occupancy and equipment expense1,7281,4033,6192,862
Data processing and telecommunications expense2,2491,9814,6984,052

Cover / Front Matter

FAQ

What is Citizens & Northern's total noninterest income?
Citizens & Northern (CZNC) reported total noninterest income of $9.8M in Q2 2026.
How has Citizens & Northern's total noninterest income changed year-over-year?
Citizens & Northern's total noninterest income increased by 20.4% year-over-year, from $8.14M to $9.8M.
What is the long-term trend for Citizens & Northern's total noninterest income?
Over 4 years (2021 to 2025), Citizens & Northern's total noninterest income has grown at a 4.5% compound annual growth rate (CAGR), from $25.88M to $30.85M.
What does total noninterest income mean?
All bank revenue sources other than net interest income — service charges, trading revenue, investment banking fees, wealth management fees, and card income.

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