When did Citizens & Northern report Q3 2024 earnings?

Citizens & Northern (CZNC) reported Q3 2024 earnings on October 17, 2024 before market open.

What were Citizens & Northern's Q3 2024 revenue and EPS?

Citizens & Northern reported revenue of $26.8M and eps of $0.41 for Q3 2024.

Did Citizens & Northern beat estimates in Q3 2024?

Revenue missed the consensus estimate of $27.0M by $171.0K. EPS missed the consensus estimate of $0.45 by $0.04.

Where can I find Citizens & Northern's Q3 2024 SEC filings?

You can read the 10-Q periodic report (0001558370-24-014605) directly on SEC EDGAR. The filing index links above go to sec.gov.

Citizens & Northern CZNC Q3 2024 earnings

Reported October 17, 2024 · Before market open

Revenue$26.8MMiss by $171.0K

EPS$0.41Miss by $0.04

Revenue estimate$27.0M

EPS estimate$0.45

Next report

Oct 22, 2026 (in 3 months)

Revenue estimate$37.2M

EPS estimate$0.66

Financials

Q3 2024

Income statement

See full

Revenue$27.3M+4.3%

Net income$6.4M-16.2%

EPS (diluted)$0.41-18.0%

Balance sheet

See full

Cash & equivalents$184.2M+250%

Total debt$11.4M-50.9%

Total equity$277.3M+15.4%

Total assets$2.7B+7.5%

Cash flow

See full

Operating cash flow$6.6M-22.0%

CapEx$150.0K-81.9%

Free cash flow$6.4M-15.5%

Valuation & ratios

Valuation

as of 09/30/24

See full

Market cap$300.56M+13.0%

Enterprise value$127.77M-46.0%

P/E13.6×+4.0×

P/S2.8×+0.4×

Profitability

See full

Net margin20.9%-4.7pp

FCF margin24.9%-4.9pp

Returns & leverage

See full

Return on equity8.5%-3.0pp

Debt / equity0×-0.1×

Segments

By product

See full

Deposit Account$1.5M+7.1%

Debit Card$1.1M+0.5%

Bank Servicing$74.0K-51.9%

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 Q3 2024 earnings?: Citizens & Northern (CZNC) reported Q3 2024 earnings on October 17, 2024 before market open.
What were Citizens & Northern's Q3 2024 revenue and EPS?: Citizens & Northern reported revenue of $26.8M and eps of $0.41 for Q3 2024.
Did Citizens & Northern beat estimates in Q3 2024?: Revenue missed the consensus estimate of $27.0M by $171.0K. EPS missed the consensus estimate of $0.45 by $0.04.
Where can I find Citizens & Northern's Q3 2024 SEC filings?: You can read the 10-Q periodic report (0001558370-24-014605) directly on SEC EDGAR. The filing index links above go to sec.gov.