Citizens & Northern Corporation (CZNC) Earnings History
Annual and quarterly earnings data from 1994 to 2025
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CZNC EPS Growth (CAGR)
Compound annual growth rate of diluted earnings per share
CAGR (Compound Annual Growth Rate) shows the annualized growth rate of EPS over the specified period. A higher CAGR indicates stronger earnings momentum.
CZNC Profitability Analysis
Margin trends over time
| Year | Gross Margin | Operating Margin | Net Margin |
|---|---|---|---|
| 2025 | 65.3% | 18.6% | 15.2% |
| 2024 | 67.1% | 20.5% | 16.7% |
| 2023 | 75.6% | 22.4% | 17.7% |
| 2022 | 85.5% | 28.0% | 23.1% |
| 2021 | 90.6% | 34.6% | 28.0% |
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Citizens & Northern Corporation (CZNC) Earnings Overview
As of May 8, 2026, Citizens & Northern Corporation (CZNC) reported trailing twelve-month net income of $23M, reflecting -13.6% year-over-year growth. The company earned $1.33 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 ($14M net income, 16.0% margin), FUNC ($25M net income, 18.4% margin), FXNC ($18M 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% |
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Start ComparisonCZNC — Frequently Asked Questions
Quick answers to the most common questions about buying CZNC stock.
Is CZNC growing earnings?
CZNC EPS fell to $1.33, with earnings declining -13.6%. This contrasts with the 5-year CAGR of +2.5%. TTM net income dropped to $23M.
What are CZNC's profit margins?
Citizens & Northern Corporation net margin is +15.2%, with operating margin at +18.6%. Above-average margins indicate pricing power.
How consistent are CZNC's earnings?
CZNC earnings data spans 1994-2025. The declining earnings trend is -13.6% YoY. Historical data enables comparison across business cycles.