When did Citizens & Northern report Q1 2024 earnings?

Citizens & Northern (CZNC) reported Q1 2024 earnings on May 7, 2024 before market open.

What were Citizens & Northern's Q1 2024 revenue and EPS?

Citizens & Northern reported revenue of $25.2M and eps of $0.35 for Q1 2024.

Did Citizens & Northern beat estimates in Q1 2024?

Revenue missed the consensus estimate of $26.7M by $1.5M. EPS beat the consensus estimate of $0.35 by $0.00.

Where can I find Citizens & Northern's Q1 2024 SEC filings?

You can read the 10-Q periodic report (0001558370-24-007016) directly on SEC EDGAR. The filing index links above go to sec.gov.

Citizens & Northern CZNC Q1 2024 earnings

Reported May 7, 2024 · Before market open

Revenue$25.2MMiss by $1.5M

EPS$0.35In line

Revenue estimate$26.7M

EPS estimate$0.35

Next report

Oct 22, 2026 (in 3 months)

Revenue estimate$37.2M

EPS estimate$0.66

Financials

Q1 2024

Income statement

See full

Revenue$25.7M-2.6%

Net income$5.3M-15.1%

EPS (diluted)$0.35-12.5%

Balance sheet

See full

Cash & equivalents$46.4M-11.0%

Total debt$48.8M-47.7%

Total equity$261.7M+2.4%

Total assets$2.5B+3.8%

Cash flow

See full

Operating cash flow$5.7M-40.0%

CapEx$744.0K+170%

Free cash flow$5.0M-46.2%

Valuation & ratios

Valuation

as of 03/31/24

See full

Market cap$286.03M-12.2%

Enterprise value$288.41M-21.4%

P/E12.3×-0.2×

P/S2.7×-0.3×

Profitability

See full

Net margin22.3%-1.8pp

FCF margin25.9%-7.4pp

Returns & leverage

See full

Return on equity9%-0.8pp

Debt / equity0.2×-0.2×

Segments

By product

See full

Deposit Account$1.3M+2.2%

Debit Card$1.0M+0.6%

Bank Servicing$230.0K+88.5%

Versus estimates

Revenue

Q2 2026$39.4MBeat by $2.9M Q1 2026$36.6MBeat by $1.0M Q4 2025$36.8MBeat by $1.4M Q3 2025$29.0MBeat by $438.0K Q2 2025$26.9MMiss by $770.0K Q1 2025$26.6MMiss by $1.1M

Diluted EPS

Q2 2026$0.79Beat by $0.16 Q1 2026$0.02Miss by $0.56 Q4 2025$0.56Miss by $0.02 Q3 2025$0.47Miss by $0.06 Q2 2025$0.40Miss by $0.07 Q1 2025$0.41Miss by $0.03

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Questions, answered.

When did Citizens & Northern report Q1 2024 earnings?: Citizens & Northern (CZNC) reported Q1 2024 earnings on May 7, 2024 before market open.
What were Citizens & Northern's Q1 2024 revenue and EPS?: Citizens & Northern reported revenue of $25.2M and eps of $0.35 for Q1 2024.
Did Citizens & Northern beat estimates in Q1 2024?: Revenue missed the consensus estimate of $26.7M by $1.5M. EPS beat the consensus estimate of $0.35 by $0.00.
Where can I find Citizens & Northern's Q1 2024 SEC filings?: You can read the 10-Q periodic report (0001558370-24-007016) directly on SEC EDGAR. The filing index links above go to sec.gov.