Citizens & Northern (CZNC) Interest Expense - Debt (2010 - 2026)
Citizens & Northern's Interest Expense - Debt was $1.42 million in Q2 2026, down 15.0% from $1.67 million a year earlier and down 1.6% from the prior quarter.
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Analysis
Citizens & Northern (CZNC) Interest Expense - Debt (2010 - 2026) Analysis & Trends
On a trailing twelve-month basis, Citizens & Northern's Interest Expense - Debt was $5.87 million through Jun 30, 2026, down 20.0% year-over-year; for FY2025, it was $6.47 million, down 10.0% from FY2024.
- Interest Expense - Debt shows a five-year compound annual growth rate of 38.0% (FY2020 to FY2025).
- In earlier years, Interest Expense - Debt was $7.19 million in FY2024 (+69.9%), $4.23 million in FY2023 (+372.1%), $896,000 in FY2022 (+124.6%) and $399,000 in FY2021 (-69.1%).
- The Q2 2026 figure marks the lowest quarterly Interest Expense - Debt since Q4 2023.
- Compared with a year earlier, Interest Expense - Debt has declined for five straight quarters, with growth averaging 5.8% over the last eight quarters.
- The best year-over-year quarter for Interest Expense - Debt over five years was Q4 2022 (growth of 566.7%); the worst was Q4 2021 (a decline of 78.5%).
- Per Business Quant data, CZNC's Interest Expense - Debt in the three quarters before Q2 2026 was $1.45 million (Q1 2026), $1.43 million (Q4 2025) and $1.58 million (Q3 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Interest Expense - Debt (Qtr) |
|---|---|---|---|---|---|
| 1 | Jpmorgan Chase | 879.54 Bn | 909.01 Bn | - | 4.47 Bn |
| 2 | Banco Santander Chile | 418.48 Bn | 538.42 Bn | - | - |
| 3 | Bank Of America | 381.92 Bn | -1,994.15 Bn | - | 3.10 Bn |
| 4 | Hsbc Holdings | 341.10 Bn | 341.15 Bn | - | - |
| 5 | Morgan Stanley | 295.71 Bn | -213.38 Bn | - | 3.41 Bn |
| 6 | Royal Bank Of Canada | 275.38 Bn | 126.13 Bn | - | - |
| 7 | Mitsubishi Ufj Financial | 273.79 Bn | -1,314.70 Bn | 10.89 Bn | - |
| 8 | Goldman Sachs | 262.78 Bn | -3,294.34 Bn | - | 2.62 Bn |
| 9 | Wells Fargo & Company | 242.61 Bn | 244.75 Bn | - | 2.39 Bn |
| 10 | Citizens & Northern | 448.91 Mn | 137.03 Mn | - | 1.42 Mn |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 1.42 Mn |
| Mar 31, 2026 | 1.45 Mn |
| Dec 31, 2025 | 1.43 Mn |
| Sep 30, 2025 | 1.58 Mn |
| Jun 30, 2025 | 1.67 Mn |
| Mar 31, 2025 | 1.79 Mn |
| Dec 31, 2024 | 1.89 Mn |
| Sep 30, 2024 | 1.98 Mn |
| Jun 30, 2024 | 1.86 Mn |
| Mar 31, 2024 | 1.46 Mn |
| Dec 31, 2023 | 1.33 Mn |
| Sep 30, 2023 | 1.16 Mn |
| Jun 30, 2023 | 1.06 Mn |
| Mar 31, 2023 | 681,000.00 |
| Dec 31, 2022 | 460,000.00 |
| Sep 30, 2022 | 332,000.00 |
| Jun 30, 2022 | 55,000.00 |
| Mar 31, 2022 | 49,000.00 |
| Dec 31, 2021 | 69,000.00 |
| Sep 30, 2021 | 87,000.00 |
API Access
Citizens & Northern Interest Expense - Debt API
Pull this series into your own models, spreadsheets and apps with the Business Quant
Historical Metrics API. The request below matches the chart above — change the
frequency, period or values and it follows. Swap YOUR_API_KEY for your own key.
https://data.businessquant.com/historic?slug=interest-expense-debt&ticker=CZNC&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "interest-expense-debt", "ticker": "CZNC", "period": "max", "api_key": "YOUR_API_KEY"}
data = requests.get(url, params=params).json()const res = await fetch("https://data.businessquant.com/historic?slug=interest-expense-debt&ticker=CZNC&period=max&api_key=YOUR_API_KEY");
const data = await res.json();