Citizens & Northern Corporation (CZNC) Earnings History
Profitable32 years of earnings data (1994–2025) · Positive TTM net income
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Citizens & Northern Corporation (CZNC) Earnings Overview
As of June 24, 2026, Citizens & Northern Corporation (CZNC) reported trailing twelve-month net income of $17M, reflecting -13.6% year-over-year growth. The company earned $0.99 per diluted share over the past four quarters, with a net profit margin of 15.2%.
Looking at the long-term picture, CZNC's 5-year EPS compound annual growth rate (CAGR) stands at +2.5%, reflecting modest earnings expansion. The company achieved its highest annual net income of $31M in fiscal 2021.
Citizens & Northern Corporation maintains industry-leading profitability with a gross margin of 65.3%, operating margin of 18.6%, and net margin of 15.2%. This margin structure demonstrates strong pricing power and operational efficiency. View revenue history →
Compared to peers including CZWI ($15M net income, 16.0% margin), FUNC ($25M net income, 20.6% margin), FXNC ($21M net income, 15.8% margin), CZNC has room to improve margins relative to the peer group. Compare CZNC vs CZWI →
CZNC Earnings vs Peers
Earnings metrics vs comparable public companies
CZNC Historical Earnings Data (1994–2025)
32 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $23M | -9.8% | $29M | $1.46 | 15.2% | 18.6% |
| 2024 | $26M | +7.5% | $32M | $1.69 | 16.7% | 20.5% |
| 2023 | $24M | -9.3% | $30M | $1.57 | 17.7% | 22.4% |
| 2022 | $27M | -12.9% | $32M | $1.71 | 23.1% | 28.0% |
| 2021 | $31M | +59.0% | $38M | $1.92 | 28.0% | 34.6% |
| 2020 | $19M | -1.4% | $23M | $1.29 | 19.1% | 23.1% |
| 2019 | $20M | -11.4% | $23M | $1.46 | 23.5% | 28.2% |
| 2018 | $22M | +63.9% | $26M | $1.80 | 31.6% | 37.7% |
| 2017 | $13M | -14.8% | $21M | $1.10 | 22.0% | 33.8% |
| 2016 | $16M | -4.3% | $21M | $1.30 | 26.4% | 35.4% |
| 2015 | $16M | -3.6% | $22M | $1.35 | 26.6% | 35.2% |
| 2014 | $17M | -8.1% | $23M | $1.38 | 27.7% | 37.0% |
| 2013 | $19M | -18.1% | $25M | $1.50 | 28.1% | 37.5% |
| 2012 | $23M | -2.8% | $31M | $1.85 | 30.5% | 41.8% |
| 2011 | $23M | +22.6% | $32M | $1.92 | 30.2% | 41.5% |
| 2010 | $19M | +148.4% | $25M | $1.45 | 24.8% | 32.4% |
| 2009 | -$39M | -491.0% | -$62M | $-4.40 | -47.7% | -75.1% |
| 2008 | $10M | -3.5% | $12M | $1.12 | 11.5% | 14.2% |
| 2007 | $10M | -13.0% | $13M | $1.19 | 12.9% | 16.2% |
| 2006 | $12M | -7.7% | $15M | $1.41 | 26.8% | 32.9% |
| 2005 | $13M | -12.6% | $16M | $1.51 | 17.9% | 21.8% |
| 2004 | $15M | -8.6% | $18M | $1.74 | 21.9% | 26.2% |
| 2003 | $16M | +8.7% | $20M | $1.92 | 24.4% | 29.8% |
| 2002 | $15M | +24.1% | $19M | $1.77 | 22.4% | 28.0% |
| 2001 | $12M | +42.2% | $15M | $1.40 | 19.2% | 24.0% |
| 2000 | $8M | -26.2% | $10M | $0.99 | 14.6% | 17.7% |
| 1999 | $11M | +3.7% | $15M | $1.35 | 19.8% | 25.6% |
| 1998 | $11M | +9.6% | $15M | $1.29 | 20.3% | 26.8% |
| 1997 | $10M | +9.2% | $13M | $1.19 | 35.7% | 46.9% |
| 1996 | $9M | +17.7% | $12M | $1.09 | 33.7% | 45.2% |
| 1995 | $8M | +5.0% | $10M | $0.93 | 26.5% | 34.9% |
| 1994 | $7M | - | $10M | $0.88 | 31.0% | 40.6% |
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CZNC — Frequently Asked Questions
Quick answers to the most common questions about buying CZNC stock.
What is CZNC earnings per share (EPS)?
CZNC trailing twelve-month (TTM) diluted EPS is $0.99, reflecting -13.6% year-over-year growth. The 5-year EPS CAGR is +2.5%. Complete EPS history from 1994 to 2025 is available in the table on this page.
What is Citizens & Northern Corporation's net income?
Citizens & Northern Corporation (CZNC) trailing twelve-month net income is $17M as of 2025. Earnings declined -13.6% year-over-year. Citizens & Northern Corporation has been profitable for 16 consecutive years.
Is CZNC profitable?
Yes, CZNC is profitable with a TTM net income of $17M and a net profit margin of +15.2%. Citizens & Northern Corporation has generated profits for 16 consecutive years.
What is CZNC's earnings growth rate?
CZNC compound annual EPS growth rates (CAGR): 1-Year: -13.6%, 3-Year: -5.1%, 5-Year: +2.5%, 10-Year: +0.8%. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 1994 to 2025.
What are CZNC's profit margins?
Citizens & Northern Corporation net profit margin is +15.2%, operating margin is +18.6%, and gross margin is +65.3%. Above-average net margins reflect strong pricing power and competitive moat. Return on Equity is +7.6%.
Is CZNC growing earnings?
CZNC earnings are declining — EPS fell -13.6% year-over-year. TTM net income dropped to $17M. This contrasts with the 5-year CAGR of +2.5%.
What was CZNC's best earnings year?
Citizens & Northern Corporation's highest annual net income on record is $31M, achieved in fiscal year 2021. Earnings history on this page spans 1994 to 2025 and includes all annual and quarterly figures.
What were CZNC's earnings last quarter?
CZNC's most recent reported quarter was Q1 2026. Net income was $273000.00 with diluted EPS of $0.02. For a full breakdown of all quarters, see the quarterly earnings table on this page.