Citizens & Northern (CZNC) to Release Quarterly Earnings on Thursday

Citizens & Northern (NASDAQ:CZNC) is expected to issue its Q3 2025 results before the market opens on Thursday, October 16th. Analysts expect the company to announce earnings of $0.53 per share for the quarter. Interested persons can check the company’s upcoming Q3 2025 earningsummary page for the latest details on the call scheduled for Friday, October 17, 2025 at 4:00 PM ET.

Citizens & Northern (NASDAQ:CZNC) last posted its quarterly earnings results on Friday, August 8th. The financial services provider reported $0.40 EPS for the quarter, missing the consensus estimate of $0.47 by ($0.07). The company had revenue of $29.28 million during the quarter, compared to analyst estimates of $27.70 million. Citizens & Northern had a net margin of 16.77% and a return on equity of 9.60%. On average, analysts expect Citizens & Northern to post $2 EPS for the current fiscal year and $2 EPS for the next fiscal year.

Citizens & Northern Stock Down 0.2%

Shares of NASDAQ:CZNC opened at $19.53 on Thursday. Citizens & Northern has a 52-week low of $17.85 and a 52-week high of $22.68. The stock has a market cap of $303.11 million, a P/E ratio of 11.16 and a beta of 0.56. The business has a fifty day moving average of $19.69 and a two-hundred day moving average of $19.38. The company has a quick ratio of 0.94, a current ratio of 0.94 and a debt-to-equity ratio of 0.64.

Citizens & Northern Announces Dividend

The company also recently announced a quarterly dividend, which was paid on Friday, August 15th. Shareholders of record on Monday, August 4th were issued a $0.28 dividend. This represents a $1.12 annualized dividend and a yield of 5.7%. The ex-dividend date was Monday, August 4th. Citizens & Northern’s payout ratio is presently 64.00%.

Wall Street Analysts Forecast Growth

Several research firms have recently commented on CZNC. Weiss Ratings reaffirmed a “hold (c+)” rating on shares of Citizens & Northern in a research report on Wednesday. Zacks Research lowered Citizens & Northern from a “strong-buy” rating to a “hold” rating in a research note on Monday, September 22nd. Three investment analysts have rated the stock with a Hold rating, According to MarketBeat.com, the company has an average rating of “Hold”.

Institutional Inflows and Outflows

Hedge funds and other institutional investors have recently bought and sold shares of the stock. Marshall Wace LLP lifted its holdings in Citizens & Northern by 105.3% during the 2nd quarter. Marshall Wace LLP now owns 57,870 shares of the financial services provider’s stock worth $1,096,000 after buying an additional 29,687 shares during the last quarter. Bridgeway Capital Management LLC boosted its holdings in Citizens & Northern by 4.7% in the second quarter. Bridgeway Capital Management LLC now owns 28,498 shares of the financial services provider’s stock valued at $540,000 after purchasing an additional 1,277 shares in the last quarter. Rhumbline Advisers increased its stake in Citizens & Northern by 7.5% in the second quarter. Rhumbline Advisers now owns 22,685 shares of the financial services provider’s stock valued at $430,000 after purchasing an additional 1,592 shares during the last quarter. Jane Street Group LLC raised its holdings in Citizens & Northern by 38.6% during the second quarter. Jane Street Group LLC now owns 22,294 shares of the financial services provider’s stock worth $422,000 after purchasing an additional 6,208 shares in the last quarter. Finally, Empowered Funds LLC purchased a new stake in shares of Citizens & Northern during the 1st quarter worth approximately $236,000. 30.83% of the stock is currently owned by hedge funds and other institutional investors.

About Citizens & Northern

Citizens & Northern Corp. is a holding company, which engages in community banking. It provides a full range of banking and mortgage services to individual and corporate customers in North Central Pennsylvania and Southern New York State. The firm’s lending products include mortgage loans, commercial loans, and consumer loans.