Citizens & Northern (CZNC)
Runs a community bank serving Pennsylvania and New York households and businesses.
$25.22
After hours+0.02 (+0.10%)
At close$25.20(−1.89%)
In millions of USD, except per-share figures
| In millions | Q3 FY23Sep 2023 | Q4 FY23Dec 2023 | Q1 FY24Mar 2024 | Q2 FY24Jun 2024 | Q3 FY24Sep 2024 | Q4 FY24Dec 2024 | Q1 FY25Mar 2025 | Q2 FY25Jun 2025 | Q3 FY25Sep 2025 | Q4 FY25Dec 2025 | Q1 FY26Mar 2026 | Q2 FY26Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 35 | 36 | 37 | 39 | 40 | 41 | 38 | 40 | 40 | 36 | 49 | 39 |
| Cost of revenue | 8 | 12 | 12 | 12 | 14 | 12 | 12 | 14 | 14 | 14 | 26 | 26 |
| Gross profit | 27 | 24 | 24 | 26 | 26 | 28 | 26 | 27 | 27 | 22 | 23 | 13 |
| 17 | 18 | 18 | 19 | 18 | 18 | 19 | 19 | 19 | 16 | 23 | 14 | |
| 11 | 11 | 12 | 13 | 11 | 11 | 12 | 11 | 11 | 15 | 15 | 14 | |
| General & administrative | 11 | 11 | 12 | 13 | 11 | 11 | 12 | 11 | 11 | 15 | 15 | 14 |
| Other expenses | 7 | 7 | 6 | 6 | 7 | 7 | 7 | 8 | 8 | 1 | 8 | 0 |
| Operating income | 9 | 6 | 6 | 7 | 8 | 10 | 8 | 8 | 8 | 5 | 0 | 0 |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 18 | |
| Interest income | 29 | 30 | 30 | 31 | 33 | 33 | 32 | 32 | 34 | 41 | 41 | −41 |
| Interest expense | 9 | 11 | 11 | 12 | 13 | 13 | 12 | 11 | 11 | 13 | 12 | 12 |
| Income before tax | 9 | 6 | 6 | 7 | 8 | 10 | 8 | 8 | 8 | 5 | 0 | 17 |
| Income tax expense | 2 | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 | 1 | 0 | 3 |
| Net income from continuing operations | 8 | 4 | 5 | 6 | 6 | 8 | 6 | 6 | 7 | 4 | 0 | 14 |
| Net income | 8 | 4 | 5 | 6 | 6 | 8 | 6 | 6 | 7 | 4 | 0 | 14 |
| EPS, basic | $0.50 | $0.28 | $0.35 | $0.40 | $0.41 | $0.53 | $0.41 | $0.40 | $0.42 | $0.25 | $0.02 | $0.79 |
| EPS, diluted | $0.50 | $0.28 | $0.35 | $0.40 | $0.41 | $0.53 | $0.41 | $0.40 | $0.42 | $0.25 | $0.02 | $0.79 |
| Weighted average shares, basic | 15 | 15 | 15 | 15 | 15 | 15 | 15 | 15 | 15 | 18 | 18 | 18 |
| Weighted average shares, diluted | 15 | 15 | 15 | 15 | 15 | 15 | 15 | 15 | 15 | 18 | 18 | 18 |
| EBITDA | 10 | 6 | 7 | 8 | 8 | 11 | 8 | 8 | 9 | 6 | 1 | −1 |
| Depreciation & amortization | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | −1 |
| EBIT | 9 | 6 | 6 | 7 | 8 | 10 | 8 | 8 | 8 | 5 | 0 | 0 |