Citizens & Northern (CZNC) Interest Income - Net (2009 - 2026)
Citizens & Northern (CZNC) recorded Interest Income - Net of $30.21 million in Q3 2026, up 35.7% from $22.26 million a year earlier and up 2.0% from the prior quarter.
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Analysis
Citizens & Northern (CZNC) Interest Income - Net (2009 - 2026) Analysis & Trends
On a TTM basis, Citizens & Northern's Interest Income - Net came in at $116.75 million as of Sep 30, 2026, up 39.2% year-over-year; for FY2025, it was $91.85 million, up 16.1% from FY2024.
- Annual Interest Income - Net has a five-year compound annual growth rate of 6.3% (FY2020 to FY2025).
- Across earlier years, Interest Income - Net came in at $79.12 million in FY2024 (-1.6%), $80.4 million in FY2023 (-3.3%), $83.13 million in FY2022 (+6.7%) and $77.94 million in FY2021 (+15.4%).
- The Q3 2026 figure is the highest quarterly Interest Income - Net in data going back to Q2 2010.
- On a year-over-year basis, Interest Income - Net has increased for nine consecutive quarters, with growth averaging 23.2% over the last eight quarters.
- Peak year-over-year performance for Interest Income - Net in the last five years was growth of 42.4% in Q1 2026, against a decline of 12.1% in Q4 2023 at the low end.
- Per Business Quant, the preceding three quarters came in at $29.62 million (Q2 2026), $28.45 million (Q1 2026) and $28.47 million (Q4 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Interest Income - Net (Qtr) |
|---|---|---|---|---|---|
| 1 | Jpmorgan Chase | 909.02 Bn | 886.77 Bn | - | 27.04 Bn |
| 2 | Banco Santander Chile | 406.67 Bn | -7,110.43 Bn | - | - |
| 3 | Bank Of America | 350.91 Bn | -2,025.20 Bn | - | 16.45 Bn |
| 4 | Hsbc Holdings | 308.71 Bn | -2,966.46 Bn | - | 9.31 Bn |
| 5 | Morgan Stanley | 293.66 Bn | -249.15 Bn | - | 3.25 Bn |
| 6 | Royal Bank Of Canada | 283.56 Bn | -546.44 Bn | - | 6.27 Bn |
| 7 | Goldman Sachs | 262.71 Bn | -3,480.74 Bn | - | 3.77 Bn |
| 8 | Wells Fargo & Company | 257.44 Bn | 92.87 Bn | - | 12.52 Bn |
| 9 | Mitsubishi Ufj Financial | 256.82 Bn | -75.42 Bn | 10.89 Bn | 5.54 Bn |
| 10 | Citizens & Northern | 510.15 Mn | 222.62 Mn | - | 30.21 Mn |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Sep 30, 2026 | 30.21 Mn |
| Jun 30, 2026 | 29.62 Mn |
| Mar 31, 2026 | 28.45 Mn |
| Dec 31, 2025 | 28.47 Mn |
| Sep 30, 2025 | 22.26 Mn |
| Jun 30, 2025 | 21.14 Mn |
| Mar 31, 2025 | 19.98 Mn |
| Dec 31, 2024 | 20.47 Mn |
| Sep 30, 2024 | 20.16 Mn |
| Jun 30, 2024 | 19.45 Mn |
| Mar 31, 2024 | 19.04 Mn |
| Dec 31, 2023 | 19.59 Mn |
| Sep 30, 2023 | 19.66 Mn |
| Jun 30, 2023 | 20.36 Mn |
| Mar 31, 2023 | 20.78 Mn |
| Dec 31, 2022 | 22.29 Mn |
| Sep 30, 2022 | 20.88 Mn |
| Jun 30, 2022 | 19.63 Mn |
| Mar 31, 2022 | 20.33 Mn |
| Dec 31, 2021 | 19.72 Mn |
API Access
Citizens & Northern Interest Income - Net 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-income-net&ticker=CZNC&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "interest-income-net", "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-income-net&ticker=CZNC&period=max&api_key=YOUR_API_KEY");
const data = await res.json();