When did Citizens & Northern report Q4 2024 earnings?

Citizens & Northern (CZNC) reported Q4 2024 earnings on January 23, 2025 before market open.

What were Citizens & Northern's Q4 2024 revenue and EPS?

Citizens & Northern reported revenue of $27.7M and eps of $0.53 for Q4 2024.

Did Citizens & Northern beat estimates in Q4 2024?

Revenue beat the consensus estimate of $26.9M by $772.0K. EPS beat the consensus estimate of $0.45 by $0.08.

Where can I find Citizens & Northern's Q4 2024 SEC filings?

You can read the 10-K periodic report (0001558370-25-002408) directly on SEC EDGAR. The filing index links above go to sec.gov.

Citizens & Northern CZNC Q4 2024 Annual earnings

Reported January 23, 2025 · Before market open

Revenue$27.7MBeat by $772.0K

EPS$0.53Beat by $0.08

Revenue estimate$26.9M

EPS estimate$0.45

Next report

Oct 22, 2026 (in 3 months)

Revenue estimate$37.2M

EPS estimate$0.66

Financials

Q4 2024

Income statement

See full

Revenue$28.0M+10.9%

Net income$8.2M+91.8%

EPS (diluted)$0.53+89.3%

Balance sheet

See full

Cash & equivalents$126.2M+122%

Total debt$5.6M-84.9%

Total equity$275.3M+4.9%

Total assets$2.6B+3.8%

Cash flow

See full

Operating cash flow$12.1M+55.9%

CapEx$352.0K-60.2%

Free cash flow$11.7M+70.8%

Valuation & ratios

Valuation

as of 12/31/24

See full

Market cap$286.7M-15.8%

Enterprise value$166.17M-48.2%

P/E11×-3.1×

P/S2.6×-0.6×

Profitability

See full

Net margin24%+0.9pp

FCF margin28.7%-1.1pp

Returns & leverage

See full

Return on equity9.7%+0.2pp

Debt / equity0×-0.1×

Segments

By product

See full

Deposit Account$1.5M+5.9%

Debit Card$1.1M+2.5%

Bank Servicing$215.0K+58.1%

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 Q4 2024 earnings?: Citizens & Northern (CZNC) reported Q4 2024 earnings on January 23, 2025 before market open.
What were Citizens & Northern's Q4 2024 revenue and EPS?: Citizens & Northern reported revenue of $27.7M and eps of $0.53 for Q4 2024.
Did Citizens & Northern beat estimates in Q4 2024?: Revenue beat the consensus estimate of $26.9M by $772.0K. EPS beat the consensus estimate of $0.45 by $0.08.
Where can I find Citizens & Northern's Q4 2024 SEC filings?: You can read the 10-K periodic report (0001558370-25-002408) directly on SEC EDGAR. The filing index links above go to sec.gov.