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Citizens & Northern CZNC Q1 2025 earnings

Reported April 23, 2025 · Before market open

Revenue$26.6MMiss by $1.1M
EPS$0.41Miss by $0.03
Revenue estimate$27.7M
EPS estimate$0.44

Next report

Oct 22, 2026 (in 3 months)
Revenue estimate$37.2M
EPS estimate$0.66

Financials

Q1 2025

Income statement

See full
Revenue$27.0M+4.9%
Net income$6.3M+18.6%
EPS (diluted)$0.41+17.1%

Balance sheet

See full
Cash & equivalents$114.7M+147%
Total debt$571.0K-98.8%
Total equity$281.8M+7.7%
Total assets$2.6B+3.5%

Cash flow

See full
Operating cash flow$1.6M-72.4%
CapEx$542.0K-27.2%
Free cash flow$1.0M-79.1%

Valuation & ratios

Valuation

as of 03/31/25
See full
Market cap$311.18M+8.8%
Enterprise value$197.01M-31.7%
P/E11.5×-0.8×
P/S2.8×+0.1×

Profitability

See full
Net margin24.6%+2.3pp
FCF margin24.8%-1.1pp

Returns & leverage

See full
Return on equity9.9%+0.9pp
Debt / equity-0.2×

Segments

By product

See full
Deposit Account$1.4M+9.3%
Debit Card$1.0M+2.3%
Bank Servicing$138.0K-40.0%

Versus estimates

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Questions, answered.

When did Citizens & Northern report Q1 2025 earnings?
Citizens & Northern (CZNC) reported Q1 2025 earnings on April 23, 2025 before market open.
What were Citizens & Northern's Q1 2025 revenue and EPS?
Citizens & Northern reported revenue of $26.6M and eps of $0.41 for Q1 2025.
Did Citizens & Northern beat estimates in Q1 2025?
Revenue missed the consensus estimate of $27.7M by $1.1M. EPS missed the consensus estimate of $0.44 by $0.03.
How did Citizens & Northern's Q1 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 5.4% from $25.2M a year earlier and eps grew 17.1% from $0.35.
Where can I find Citizens & Northern's Q1 2025 SEC filings?
You can read the 10-Q periodic report (0001558370-25-007103) directly on SEC EDGAR. The filing index links above go to sec.gov.