Citizens & Northern (CZNC) Operating Expenses (2009 - 2026)
Citizens & Northern's Operating Expenses came in at $22.33 million for Q3 2026, up 15.1% from $19.39 million a year earlier but down 6.3% from the prior quarter.
Powered by 
Analysis
Citizens & Northern (CZNC) Operating Expenses (2009 - 2026) Analysis & Trends
Over the trailing twelve months to Sep 30, 2026, Citizens & Northern reported Operating Expenses of $99.04 million, up 29.9% year-over-year; for FY2025, it came in at $87.99 million, up 18.5% from FY2024.
- Operating Expenses has increased in each of the last four years, with a five-year compound annual growth rate of 6.3% (FY2020 to FY2025).
- Going back by year, Operating Expenses was $74.26 million in FY2024 (+0.1%), $74.15 million in FY2023 (+9.1%), $67.96 million in FY2022 (+8.8%) and $62.47 million in FY2021 (-3.8%).
- The five-year range for quarterly Operating Expenses is $16.02 million (Q4 2021) to $30.16 million (Q4 2025).
- Year-over-year, Operating Expenses has increased for ten consecutive quarters, with growth averaging 16.5% over the last eight quarters.
- The fastest year-over-year change in Operating Expenses over five years came in Q4 2025 (growth of 63.6%), and the weakest in Q4 2021 (a decline of 9.0%).
- Business Quant data shows CZNC's Operating Expenses at $23.84 million (Q2 2026), $22.71 million (Q1 2026) and $30.16 million (Q4 2025) in the three quarters before Q3 2026.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Opex (Qtr) |
|---|---|---|---|---|---|
| 1 | Jpmorgan Chase | 909.02 Bn | 886.77 Bn | - | 27.30 Bn |
| 2 | Banco Santander Chile | 406.67 Bn | -7,110.43 Bn | - | - |
| 3 | Bank Of America | 350.91 Bn | -2,025.20 Bn | - | 19.72 Bn |
| 4 | Hsbc Holdings | 308.71 Bn | -2,966.46 Bn | - | 8.82 Bn |
| 5 | Morgan Stanley | 293.66 Bn | -249.15 Bn | - | 13.71 Bn |
| 6 | Royal Bank Of Canada | 283.56 Bn | -546.44 Bn | - | 7.02 Bn |
| 7 | Goldman Sachs | 262.71 Bn | -3,480.74 Bn | - | 11.31 Bn |
| 8 | Wells Fargo & Company | 257.44 Bn | 92.87 Bn | - | 13.74 Bn |
| 9 | Mitsubishi Ufj Financial | 256.82 Bn | -75.42 Bn | 10.89 Bn | 17.50 Bn |
| 10 | Citizens & Northern | 510.15 Mn | 222.62 Mn | - | 22.33 Mn |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Sep 30, 2026 | 22.33 Mn |
| Jun 30, 2026 | 23.84 Mn |
| Mar 31, 2026 | 22.71 Mn |
| Dec 31, 2025 | 30.16 Mn |
| Sep 30, 2025 | 19.39 Mn |
| Jun 30, 2025 | 19.40 Mn |
| Mar 31, 2025 | 19.04 Mn |
| Dec 31, 2024 | 18.43 Mn |
| Sep 30, 2024 | 18.27 Mn |
| Jun 30, 2024 | 19.26 Mn |
| Mar 31, 2024 | 18.30 Mn |
| Dec 31, 2023 | 18.40 Mn |
| Sep 30, 2023 | 17.94 Mn |
| Jun 30, 2023 | 18.72 Mn |
| Mar 31, 2023 | 19.09 Mn |
| Dec 31, 2022 | 16.59 Mn |
| Sep 30, 2022 | 17.44 Mn |
| Jun 30, 2022 | 17.04 Mn |
| Mar 31, 2022 | 16.89 Mn |
| Dec 31, 2021 | 16.02 Mn |
API Access
Citizens & Northern Operating Expenses 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=operating-expenses&ticker=CZNC&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "operating-expenses", "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=operating-expenses&ticker=CZNC&period=max&api_key=YOUR_API_KEY");
const data = await res.json();