Skip to content
Screener

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 a month)
Revenue estimate$37.2M
EPS estimate$0.68

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%

FAQ

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.