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Citizens & Northern CZNC Q3 2025 earnings

Reported October 23, 2025 · Before market open

Revenue$29.0MBeat by $438.0K
EPS$0.47Miss by $0.06
Revenue estimate$28.6M
EPS estimate$0.53

Next report

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

Financials

Q3 2025

Income statement

See full
Revenue$29.6M+8.3%
Net income$6.6M+2.9%
EPS (diluted)$0.42+2.4%

Balance sheet

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Cash & equivalents$123.1M-33.2%
Total debt$1.5M-87.0%
Total equity$294.0M+6.0%
Total assets$2.7B-0.3%

Cash flow

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Operating cash flow$11.3M+71.7%
CapEx$426.0K+184%
Free cash flow$10.9M+69.1%

Valuation & ratios

Valuation

as of 09/30/25
See full
Market cap$307.35M+2.3%
Enterprise value$185.75M+45.4%
P/E11.3×-2.3×
P/S2.7×-0.1×

Profitability

See full
Net margin23.8%+3.0pp
FCF margin27.8%+3.0pp

Returns & leverage

See full
Return on equity9.5%+1.0pp
Debt / equity0×0.0×

Segments

By product

See full
Deposit Account$1.5M-4.9%
Debit Card$1.1M+3.1%
Bank Servicing$107.0K+44.6%

FAQ

When did Citizens & Northern report Q3 2025 earnings?
Citizens & Northern (CZNC) reported Q3 2025 earnings on October 23, 2025 before market open.
What were Citizens & Northern's Q3 2025 revenue and EPS?
Citizens & Northern reported revenue of $29.0M and eps of $0.47 for Q3 2025.
Did Citizens & Northern beat estimates in Q3 2025?
Revenue beat the consensus estimate of $28.6M by $438.0K. EPS missed the consensus estimate of $0.53 by $0.06.
How did Citizens & Northern's Q3 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 8.4% from $26.8M a year earlier and eps grew 14.6% from $0.41.
Where can I find Citizens & Northern's Q3 2025 SEC filings?
You can read the 8-K earnings release (0001104659-25-101823) and the 10-Q periodic report (0001104659-25-108331) directly on SEC EDGAR. The filing index links above go to sec.gov.