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Citizens & Northern CZNC Q2 2025 earnings

Reported August 8, 2025 · Before market open

Revenue$26.9MMiss by $770.0K
EPS$0.40Miss by $0.07
Revenue estimate$27.7M
EPS estimate$0.47

Next report

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

Financials

Q2 2025

Income statement

See full
Revenue$29.3M+7.3%
Net income$6.1M+0.1%
EPS (diluted)$0.400.0%

Balance sheet

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Cash & equivalents$99.6M-0.8%
Total debt$533.0K-96.8%
Total equity$286.4M+8.8%
Total assets$2.6B+0.7%

Cash flow

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Operating cash flow$8.5M-1.4%
CapEx$485.0K-26.5%
Free cash flow$8.0M+0.7%

Valuation & ratios

Valuation

as of 06/30/25
See full
Market cap$293.78M+7.8%
Enterprise value$194.69M+3.0%
P/E10.9×-0.8×
P/S2.6×0.0×

Profitability

See full
Net margin24.2%+1.9pp
FCF margin24.4%-1.9pp

Returns & leverage

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Return on equity9.8%+0.7pp
Debt / equity0×-0.1×

Segments

By product

See full
Deposit Account$1.4M-3.4%
Debit Card$1.2M+11.8%
Bank Servicing$173.0K+33.1%

FAQ

When did Citizens & Northern report Q2 2025 earnings?
Citizens & Northern (CZNC) reported Q2 2025 earnings on August 8, 2025 before market open.
What were Citizens & Northern's Q2 2025 revenue and EPS?
Citizens & Northern reported revenue of $26.9M and eps of $0.40 for Q2 2025.
Did Citizens & Northern beat estimates in Q2 2025?
Revenue missed the consensus estimate of $27.7M by $770.0K. EPS missed the consensus estimate of $0.47 by $0.07.
How did Citizens & Northern's Q2 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 0.4% from $26.8M a year earlier and eps grew 0.0% from $0.40.
Where can I find Citizens & Northern's Q2 2025 SEC filings?
You can read the 10-Q periodic report (0001558370-25-010889) directly on SEC EDGAR. The filing index links above go to sec.gov.