Citizens & Northern (CZNC) Projected to Post Earnings on Thursday

Citizens & Northern (NASDAQ:CZNC) is expected to be issuing its Q4 2025 results before the market opens on Thursday, January 22nd. Analysts expect the company to announce earnings of $0.57 per share and revenue of $35.40 million for the quarter. Investors may visit the the company’s upcoming Q4 2025 earning results page for the latest details on the call scheduled for Thursday, January 29, 2026 at 12:00 AM ET.

Citizens & Northern (NASDAQ:CZNC) last announced its quarterly earnings data on Thursday, October 23rd. The financial services provider reported $0.47 EPS for the quarter, missing analysts’ consensus estimates of $0.53 by ($0.06). Citizens & Northern had a return on equity of 9.75% and a net margin of 16.81%.The business had revenue of $29.57 million during the quarter, compared to the consensus estimate of $28.50 million. 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 Trading Down 0.7%

Shares of NASDAQ:CZNC opened at $21.45 on Tuesday. The company’s 50-day moving average price is $20.46 and its two-hundred day moving average price is $19.90. Citizens & Northern has a one year low of $18.02 and a one year high of $22.68. The company has a debt-to-equity ratio of 0.59, a current ratio of 0.93 and a quick ratio of 0.93. The stock has a market capitalization of $381.81 million, a PE ratio of 12.19 and a beta of 0.56.

Citizens & Northern Announces Dividend

The business also recently disclosed a quarterly dividend, which was paid on Friday, November 14th. Stockholders of record on Monday, November 3rd were issued a $0.28 dividend. This represents a $1.12 annualized dividend and a dividend yield of 5.2%. The ex-dividend date of this dividend was Monday, November 3rd. Citizens & Northern’s dividend payout ratio is presently 63.64%.

Analyst Upgrades and Downgrades

Several analysts have issued reports on the stock. Piper Sandler upped their price target on shares of Citizens & Northern from $21.00 to $22.00 and gave the stock a “neutral” rating in a research report on Friday, October 24th. Weiss Ratings raised shares of Citizens & Northern from a “hold (c+)” rating to a “buy (b-)” rating in a report on Thursday. Janney Montgomery Scott upgraded shares of Citizens & Northern to a “hold” rating in a research note on Wednesday, October 22nd. Finally, Zacks Research cut Citizens & Northern from a “strong-buy” rating to a “hold” rating in a report on Monday, September 22nd. One analyst has rated the stock with a Buy rating and three have issued a Hold rating to the company. Based on data from MarketBeat, the company has an average rating of “Hold” and a consensus price target of $22.00.

Institutional Trading of Citizens & Northern

Hedge funds and other institutional investors have recently modified their holdings of the stock. JPMorgan Chase & Co. grew its position in Citizens & Northern by 6.6% during the 3rd quarter. JPMorgan Chase & Co. now owns 14,504 shares of the financial services provider’s stock worth $287,000 after acquiring an additional 892 shares during the last quarter. Bridgeway Capital Management LLC increased its stake in shares of 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 buying an additional 1,277 shares during the period. BNP Paribas Financial Markets raised its holdings in Citizens & Northern by 62.9% during the 3rd quarter. BNP Paribas Financial Markets now owns 3,604 shares of the financial services provider’s stock worth $71,000 after purchasing an additional 1,391 shares during the last quarter. Russell Investments Group Ltd. raised its stake in Citizens & Northern by 521.1% during the third quarter. Russell Investments Group Ltd. now owns 1,708 shares of the financial services provider’s stock worth $34,000 after buying an additional 1,433 shares during the last quarter. Finally, Rhumbline Advisers boosted its position in Citizens & Northern by 7.5% during the second quarter. Rhumbline Advisers now owns 22,685 shares of the financial services provider’s stock valued at $430,000 after acquiring an additional 1,592 shares during the last quarter. Institutional investors own 30.83% of the company’s stock.

Citizens & Northern Company Profile

Citizens & Northern Corporation is the bank holding company for Citizens & Northern Bank, a community-oriented financial institution headquartered in Wellsboro, Pennsylvania. Chartered in 1888, the company has cultivated deep roots in north central Pennsylvania and selected counties in upstate New York, offering a broad spectrum of banking services tailored to individuals, families and local businesses.

Through its flagship banking subsidiary, Citizens & Northern provides personal deposit products such as checking and savings accounts, certificates of deposit and money market accounts.