Skip to content
OpenCapital
Get started

Citizens & Northern CZNC Q4 2025 Annual earnings

Reported January 28, 2026 · After market close

Revenue$36.8MBeat by $1.4M
EPS$0.56Miss by $0.02
Revenue estimate$35.4M
EPS estimate$0.58

Next report

Oct 22, 2026 (in 3 months)
Revenue estimate$37.2M
EPS estimate$0.66

Financials

Q4 2025

Income statement

See full
Revenue$36.9M+31.6%
Net income$4.5M-45.4%

Balance sheet

See full
Cash & equivalents$46.1M-63.5%
Total debt$32.2M+471%
Total equity$341.7M+24.1%
Total assets$3.1B+20.0%

Cash flow

See full
Operating cash flow$10.6M-12.4%
CapEx$452.0K+28.4%
Free cash flow$10.1M-13.6%

Valuation & ratios

Valuation

as of 12/31/25
See full
Market cap$359.06M+25.2%
Enterprise value$345.2M+108%
P/E15.3×+4.3×
P/S2.9×+0.3×

Profitability

See full
Net margin19.1%-4.9pp
FCF margin24.5%-4.2pp

Returns & leverage

See full
Return on equity7.6%-2.1pp
Debt / equity0.1×+0.1×

Segments

By product

See full
Deposit Account$1.6M+7.3%
Debit Card$1.2M+15.0%
Bank Servicing$225.0K+4.7%

Versus estimates

Revenue

Q2 2026$39.4MBeat by $2.9MQ1 2026$36.6MBeat by $1.0M
Q4 2025$36.8MBeat by $1.4M
Q3 2025$29.0MBeat by $438.0KQ2 2025$26.9MMiss by $770.0KQ1 2025$26.6MMiss by $1.1M

Diluted EPS

Q2 2026$0.79Beat by $0.16Q1 2026$0.02Miss by $0.56
Q4 2025$0.56Miss by $0.02
Q3 2025$0.47Miss by $0.06Q2 2025$0.40Miss by $0.07Q1 2025$0.41Miss by $0.03

Ask the moment Citizens & Northern reports.

Connect your AI and ask the moment the filing drops. It reads the release, surfaces what management said, and gives you its own read.

Connect your AI
Harbor at dusk
Claude

Questions, answered.

When did Citizens & Northern report Q4 2025 earnings?
Citizens & Northern (CZNC) reported Q4 2025 earnings on January 28, 2026 after market close.
What were Citizens & Northern's Q4 2025 revenue and EPS?
Citizens & Northern reported revenue of $36.8M and eps of $0.56 for Q4 2025.
Did Citizens & Northern beat estimates in Q4 2025?
Revenue beat the consensus estimate of $35.4M by $1.4M. EPS missed the consensus estimate of $0.58 by $0.02.
How did Citizens & Northern's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 33.1% from $27.7M a year earlier and eps grew 5.7% from $0.53.
Where can I find Citizens & Northern's Q4 2025 SEC filings?
You can read the 8-K earnings release (0001104659-26-007411) and the 10-K periodic report (0001104659-26-024613) directly on SEC EDGAR. The filing index links above go to sec.gov.