Citizens & Northern (CZNC) Interest Expense - Debt (2009 - 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 (2009 - 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 | 909.02 Bn | 886.77 Bn | - | 4.66 Bn |
| 2 | Banco Santander Chile | 406.67 Bn | -7,110.43 Bn | - | - |
| 3 | Bank Of America | 350.91 Bn | -2,025.20 Bn | - | 3.08 Bn |
| 4 | Hsbc Holdings | 308.71 Bn | -2,966.46 Bn | - | - |
| 5 | Morgan Stanley | 293.66 Bn | -249.15 Bn | - | 3.46 Bn |
| 6 | Royal Bank Of Canada | 283.56 Bn | -546.44 Bn | - | 1.07 Bn |
| 7 | Goldman Sachs | 262.71 Bn | -3,480.74 Bn | - | 3.05 Bn |
| 8 | Wells Fargo & Company | 257.44 Bn | 92.87 Bn | - | 2.43 Bn |
| 9 | Mitsubishi Ufj Financial | 256.82 Bn | -75.42 Bn | 10.89 Bn | 39.83 Bn |
| 10 | Citizens & Northern | 510.15 Mn | 222.62 Mn | - | 1.78 Mn |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Sep 30, 2026 | 1.78 Mn |
| Jun 30, 2026 | 1.71 Mn |
| Mar 31, 2026 | 1.68 Mn |
| Dec 31, 2025 | 1.21 Mn |
| Sep 30, 2025 | 1.81 Mn |
| Jun 30, 2025 | 1.91 Mn |
| Mar 31, 2025 | 2.02 Mn |
| Dec 31, 2024 | 2.13 Mn |
| Sep 30, 2024 | 2.22 Mn |
| Jun 30, 2024 | 2.09 Mn |
| Mar 31, 2024 | 1.69 Mn |
| Dec 31, 2023 | 1.56 Mn |
| Sep 30, 2023 | 1.39 Mn |
| Jun 30, 2023 | 1.29 Mn |
| Mar 31, 2023 | 911,000.00 |
| Dec 31, 2022 | 690,000.00 |
| Sep 30, 2022 | 561,000.00 |
| Jun 30, 2022 | 312,000.00 |
| Mar 31, 2022 | 412,000.00 |
| Dec 31, 2021 | 431,000.00 |
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();