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Citizens & Northern CZNC Q1 2026 earnings

Reported May 8, 2026 · After market close

Revenue$36.6MBeat by $1.0M
EPS$0.02Miss by $0.56
Revenue estimate$35.6M
EPS estimate$0.58

Next report

Oct 22, 2026 (in a month)
Revenue estimate$37.2M
EPS estimate$0.68

Financials

Q1 2026

Income statement

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Revenue$36.6M+35.8%
Net income$273.0K-95.7%
EPS (diluted)$0.02-95.1%

Balance sheet

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Cash & equivalents$54.8M-52.2%
Total debt$13.6M+2,280%
Total equity$335.6M+19.1%
Total assets$3.2B+21.3%

Cash flow

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Operating cash flow$8.7M+447%
CapEx$188.0K-65.3%
Free cash flow$8.5M+713%

Valuation & ratios

Valuation

as of 03/31/26
See full
Market cap$400.11M+28.6%
Enterprise value$358.91M+82.2%
P/E23×+11.4×
P/S3×+0.2×

Profitability

See full
Net margin13.2%-11.4pp
FCF margin28.3%+3.5pp

Returns & leverage

See full
Return on equity5.6%-4.3pp
Debt / equity0×0.0×

Segments

By product

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Deposit Account$1.7M+14.6%
Debit Card$1.3M+22.3%
Bank Servicing$108.0K-21.7%

FAQ

When did Citizens & Northern report Q1 2026 earnings?
Citizens & Northern (CZNC) reported Q1 2026 earnings on May 8, 2026 after market close.
What were Citizens & Northern's Q1 2026 revenue and EPS?
Citizens & Northern reported revenue of $36.6M and eps of $0.02 for Q1 2026.
Did Citizens & Northern beat estimates in Q1 2026?
Revenue beat the consensus estimate of $35.6M by $1.0M. EPS missed the consensus estimate of $0.58 by $0.56.
How did Citizens & Northern's Q1 2026 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 37.7% from $26.6M a year earlier and eps declined 95.1% from $0.41.
Where can I find Citizens & Northern's Q1 2026 SEC filings?
You can read the 10-Q periodic report (0001104659-26-057705) directly on SEC EDGAR. The filing index links above go to sec.gov.