When did Citizens & Northern report Q2 2024 earnings?

Citizens & Northern (CZNC) reported Q2 2024 earnings on August 7, 2024 before market open.

What were Citizens & Northern's Q2 2024 revenue and EPS?

Citizens & Northern reported revenue of $26.8M and eps of $0.40 for Q2 2024.

Did Citizens & Northern beat estimates in Q2 2024?

Revenue beat the consensus estimate of $26.5M by $306.0K. EPS beat the consensus estimate of $0.39 by $0.01.

Where can I find Citizens & Northern's Q2 2024 SEC filings?

You can read the 10-Q periodic report (0001558370-24-011247) directly on SEC EDGAR. The filing index links above go to sec.gov.

Citizens & Northern CZNC Q2 2024 earnings

Reported August 7, 2024 · Before market open

Revenue$26.8MBeat by $306.0K

EPS$0.40Beat by $0.01

Revenue estimate$26.5M

EPS estimate$0.39

Next report

Oct 22, 2026 (in 3 months)

Revenue estimate$37.2M

EPS estimate$0.66

Financials

Q2 2024

Income statement

See full

Revenue$27.3M+1.1%

Net income$6.1M+1.2%

EPS (diluted)$0.40+2.6%

Balance sheet

See full

Cash & equivalents$100.4M+94.0%

Total debt$16.9M-46.3%

Total equity$263.2M+6.1%

Total assets$2.6B+5.0%

Cash flow

See full

Operating cash flow$8.6M+10.8%

CapEx$660.0K+140%

Free cash flow$8.0M+6.0%

Valuation & ratios

Valuation

as of 06/30/24

See full

Market cap$272.48M-6.8%

Enterprise value$188.94M-30.6%

P/E11.7×-0.2×

P/S2.6×-0.1×

Profitability

See full

Net margin22.3%-0.4pp

FCF margin26.3%-7.2pp

Returns & leverage

See full

Return on equity9.1%-0.6pp

Debt / equity0.1×-0.1×

Segments

By product

See full

Deposit Account$1.5M+6.1%

Debit Card$1.1M+7.8%

Bank Servicing$130.0K-31.6%

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 Q2 2024 earnings?: Citizens & Northern (CZNC) reported Q2 2024 earnings on August 7, 2024 before market open.
What were Citizens & Northern's Q2 2024 revenue and EPS?: Citizens & Northern reported revenue of $26.8M and eps of $0.40 for Q2 2024.
Did Citizens & Northern beat estimates in Q2 2024?: Revenue beat the consensus estimate of $26.5M by $306.0K. EPS beat the consensus estimate of $0.39 by $0.01.
Where can I find Citizens & Northern's Q2 2024 SEC filings?: You can read the 10-Q periodic report (0001558370-24-011247) directly on SEC EDGAR. The filing index links above go to sec.gov.