CZNC Earnings Date: Jan 21, 2027 (Estimated) — Citizens & Northern Corporation
NASDAQ · Financials · Banks - Regional
Updated
When is CZNC's next earnings date?
Citizens & Northern Corporation (CZNC) is expected to report Q4 2026 earnings on Thursday, January 21, 2027 at 4:00 PM ET (after market close); the date is an estimate and has not been confirmed by the company. The consensus estimate is EPS of $0.68 on revenue of $7.9M.
How did CZNC do in its last earnings report?
In its most recent report on Oct 22, 2026 (Q3 2026), Citizens & Northern Corporation posted EPS of $0.92 versus the $0.68 estimate, a beat of 35.3%. Revenue was $42.3M against a $37.2M estimate. The stock's 1-day post-earnings move was +4.2%.
How much does CZNC stock move after earnings?
CZNC beat EPS estimates in 3 of its last 8 reported quarters. Over the last 8 reports the stock moved an average of 2.8% (up or down) in the day after earnings.
About Citizens & Northern Corporation
Citizens & Northern Corporation operates as the holding company for Citizens & Northern Bank, which offers a comprehensive suite of banking and mortgage services to both individual and corporate clients. Its financial product lineup features a range of lending options, including commercial, residential, and consumer loans, alongside specialized instruments like commercial letters of credit. Deposit offerings encompass various checking accounts, traditional and statement savings accounts, money market accounts, interest-bearing checking, individual retirement accounts (IRAs), and certificates of deposit (CDs). The company also provides wealth management services, covering the administration of trusts and estates, retirement and other employee benefit plans, and investment management. Through registered agents, it distributes personal and commercial insurance products, mutual funds, annuities, and educational savings accounts. Additionally, the corporation engages in the reinsurance of credit, mortgage, life, accident, and health insurance products. As of December 31, 2021, the company operated 31 branch offices, with 23 located in Pennsylvania's Northern tier/Northcentral region, 2 in New York State's Southern tier, 4 in Southeastern Pennsylvania, and 2 in Southcentral Pennsylvania. An additional lending office is situated in Elmira, New York. Founded in 1864, the company is headquartered in Wellsboro, Pennsylvania.
🤖 AI Earnings Analysis
Citizens & Northern delivered a strong Q3 beat, with EPS of $0.92 topping estimates by $0.24 and revenue of $42M exceeding consensus by $5M. Yet reported growth figures are sharply contradictory, so verify comparability before treating the regional bank’s apparent improvement as durable.
AI-generated summary — powered by BigEarnings.
Earnings History
| Date | Period | EPS Est. | EPS Act. | Surprise | Revenue | Result | 1D Δ | 1W Δ | 1M Δ |
|---|---|---|---|---|---|---|---|---|---|
| 2026-10-22 | Q3 2026 | 0.68 | 0.92 | +35.29% | $42.3M | ✅ Beat | +4.17% | +4.43% | — |
| 2026-08-07 | Q2 2026 | 0.63 | 0.79 | +25.40% | $39.5M | ✅ Beat | +0.36% | +2.89% | +3.32% |
| 2026-05-08 | Q1 2026 | 0.58 | 0.02 | -96.55% | $36.6M | ❌ Miss | -0.70% | -4.69% | -2.14% |
| 2025-10-23 | Q3 2025 | 0.52 | 0.47 | -9.62% | $29.6M | ❌ Miss | +1.20% | +1.31% | +3.66% |
| 2025-08-08 | Q2 2025 | 0.53 | 0.40 | -24.53% | $29.3M | ❌ Miss | +0.34% | +2.25% | +7.09% |
| 2025-04-23 | Q1 2025 | 0.44 | 0.41 | -6.82% | $27.0M | ❌ Miss | -3.96% | -1.00% | -0.89% |
| 2025-01-23 | Q4 2024 | 0.45 | 0.53 | +17.78% | $28.0M | ✅ Beat | +7.59% | +11.18% | +9.07% |
| 2024-10-17 | Q3 2024 | 0.45 | 0.41 | -8.89% | $27.3M | ❌ Miss | -3.72% | -4.55% | +2.00% |
Showing last 8 quarters.
Revenue by segment & region
By segment
Q2 FY26 · $3.3M total
| Segment | Share | Revenue | YoY | Q4 FY24 | Q1 FY25 | Q2 FY25 | Q3 FY25 |
|---|---|---|---|---|---|---|---|
| Deposit Account | 53.3% | $1.8M | +23.8% | $3.0M | $1.4M | $1.4M | $1.5M |
| Debit Card | 40.8% | $1.3M | +10.6% | $2.2M | $1.0M | $1.2M | $1.1M |
| Bank Servicing | 5.8% | $193K | +11.6% | $345K | $138K | $173K | $107K |
Source: company filings via FMP. YoY compares the same fiscal period a year earlier.