Filing Flows › Citizens & Northern (CZNC) › How it makes money
How Citizens & Northern (CZNC) makes money
Citizens & Northern (CZNC) made $39.6M of revenue in the third quarter 2026 (Q3 2026), +34% from a year earlier. Net interest income brought in $30.2M (76%); Noninterest income brought in $9.4M (24%). Of every dollar of revenue, 52¢ was left as operating profit, 41¢ was left as net earnings.
Drawing the Sankey…
Revenue by segment, Q3 2026
| Segment | Revenue | Share | Q/Q | Y/Y |
|---|---|---|---|---|
| Net interest income | $30.2M | 76.4% | +2% | +36% |
| Noninterest income | $9.4M | 23.6% | -5% | +28% |
Where each dollar of revenue goes
| Line | Q3 2026 | % of revenue |
|---|---|---|
| Revenue | $39.6M | 100.0% |
| Operating profit | $20.4M | 51.6% |
| Income tax | $4.1M | 10.4% |
| Net earnings | $16.3M | 41.2% |
| Operating cash flow | $19.1M | 48.3% |
| Free cash flow | $18.0M | 45.6% |
Revenue, quarter by quarter
| Quarter | Revenue | Y/Y |
|---|---|---|
| Q3 2026 | $39.6M | +34% |
From Citizens & Northern's 10-Q filed Nov 6, 2026 (on EDGAR).
Questions
How does Citizens & Northern make money?
Citizens & Northern (CZNC) made $39.6M of revenue in the third quarter 2026 (Q3 2026), +34% from a year earlier. Net interest income brought in $30.2M (76%); Noninterest income brought in $9.4M (24%). Of every dollar of revenue, 52¢ was left as operating profit, 41¢ was left as net earnings.
What is Citizens & Northern's biggest business?
Net interest income: $30.2M in the third quarter 2026, 76% of revenue, +36% from a year earlier.
What is Citizens & Northern's profit margin?
Net earnings were $16.3M, 41.2% of revenue, in the third quarter 2026; the operating margin was 51.6%.
Updated Nov 8, 2026. Read automatically from SEC filings and public data; errors are possible. Not investment advice.