CZNC Stock - Citizens & Northern Corporation
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Financial Statements
| Metric | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|
| Revenue | $155.47M | $136.24M | $115.48M | $108.95M | $100.44M |
| Gross Profit | $104.31M | $102.95M | $98.70M | $98.73M | $86.93M |
| Gross Margin | 67.1% | 75.6% | 85.5% | 90.6% | 86.6% |
| Operating Income | $31.87M | $30.48M | $32.35M | $37.69M | $23.21M |
| Net Income | $25.96M | $24.15M | $26.62M | $30.55M | $19.22M |
| Net Margin | 16.7% | 17.7% | 23.1% | 28.0% | 19.1% |
| EPS | $1.69 | $1.57 | $1.71 | $1.92 | $1.30 |
Citizens & Northern Corporation operates as the bank holding company for Citizens & Northern Bank that provides a range of banking and mortgage services to individual and corporate customers. The company offers lending products include commercial, mortgage, and consumer loans, as well as specialized instruments, such as commercial letters-of-credit; and deposit products, including various types of checking accounts, passbook and statement savings accounts, money market accounts, interest checking accounts, individual retirement accounts, and certificates of deposits. It also offers wealth management services, including administration of trusts and estates, retirement plans, and other employee benefit plans, and investment management services; and a range of personal and commercial insurance products; mutual funds, annuities, educational savings accounts, and other investment products through registered agents. In addition, the company reinsures credit and mortgage, life and accident, and health insurance products. As of December 31, 2021, it had 31 branch offices, including 23 in the Northern tier/Northcentral region of Pennsylvania, 2 in the Southern tier of New York State, 4 in Southeastern Pennsylvania, and 2 in Southcentral Pennsylvania, as well as a lending office in Elmira, New York. The company was founded in 1864 and is based in Wellsboro, Pennsylvania.
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Price Targets
Recent Analyst Actions
| Date | Firm | Action | Rating | Price Target |
|---|---|---|---|---|
| June 27th 2023 | Janney | Initiation | Neutral | $21 |
| November 17th 2022 | Piper Sandler | Resumed | Neutral | $26 |
Earnings History & Surprises
CZNCEPS Surprise History
Quarterly EPS Details
| Period | Report Date | Estimated EPS | Actual EPS | Surprise | Result |
|---|---|---|---|---|---|
Q2 2026 | Apr 21, 2026 | — | — | — | — |
Q1 2026 | Jan 22, 2026 | $0.57 | — | — | — |
Q4 2025 | Oct 23, 2025 | $0.53 | $0.47 | -11.3% | ✗ MISS |
Q3 2025 | Aug 8, 2025 | $0.47 | $0.40 | -14.9% | ✗ MISS |
Q2 2025 | Apr 23, 2025 | $0.44 | $0.41 | -6.8% | ✗ MISS |
Q1 2025 | Jan 23, 2025 | $0.45 | $0.53 | +17.8% | ✓ BEAT |
Q4 2024 | Oct 17, 2024 | $0.45 | $0.41 | -8.9% | ✗ MISS |
Q3 2024 | Aug 7, 2024 | $0.39 | $0.40 | +2.6% | ✓ BEAT |
Q2 2024 | May 7, 2024 | $0.35 | $0.35 | 0.0% | = MET |
Q1 2024 | Mar 11, 2024 | $0.36 | $0.28 | -22.2% | ✗ MISS |
Q4 2023 | Nov 6, 2023 | $0.40 | $0.50 | +25.0% | ✓ BEAT |
Q3 2023 | Aug 8, 2023 | $0.37 | $0.39 | +5.4% | ✓ BEAT |
Q2 2023 | May 5, 2023 | $0.42 | $0.40 | -4.8% | ✗ MISS |
Q1 2023 | Mar 16, 2023 | $0.48 | $0.46 | -4.2% | ✗ MISS |
Q4 2022 | Nov 7, 2022 | $0.47 | $0.29 | -38.3% | ✗ MISS |
Q3 2022 | Jul 21, 2022 | $0.44 | $0.48 | +9.1% | ✓ BEAT |
Q2 2022 | May 6, 2022 | $0.40 | $0.44 | +10.0% | ✓ BEAT |
Q1 2022 | Jan 20, 2022 | $0.46 | $0.46 | 0.0% | = MET |
Q4 2021 | Nov 8, 2021 | $0.46 | $0.47 | +2.2% | ✓ BEAT |
Q3 2021 | Aug 6, 2021 | $0.47 | $0.44 | -6.4% | ✗ MISS |
Latest News
Piper Sandler Maintains Neutral on Citizens & Northern, Raises Price Target to $22
➖ NeutralCitizens & Northern Q3 Adj. EPS $0.47 Misses $0.51 Estimate, Sales $29.567M Beat $28.500M Estimate
➖ NeutralCitizens & Northern Receives Approvals For Merger With Susquehanna; Merger Expected To Close On October 1, 2025
📈 PositiveCitizens & Northern to acquire Susquehanna in an all-stock deal valued at $44.3M
📈 PositiveFrequently Asked Questions about CZNC
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