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Citizens & Northern (CZNC) earnings and revenue breakdown
Latest: Q3 2026 · 10-Q filed Nov 6, 2026 · Citizens & Northern (CZNC) Q3 2026 earnings results →
Q3 2026 Revenue up 34% year over year to $39.6M · 41¢ of every $1 of revenue kept as net profit · operating margin 51.6%
Citizens & Northern made $39.6M in Q3 2026 (+34% Y/Y): Net interest income $30.2M, Noninterest income $9.4M. Operating margin 51.6%, net earnings $16.3M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 6, 2026.
Drawing the Sankey…
Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF
What changed this quarter
Revenue was $39.6M in Q3 2026, up 34% year over year and roughly flat from the previous quarter. Net interest income was the largest line at 76% of revenue. Net interest income added $7.9M year over year (up 36%), 79% of the total change.
Operating profit was $20.4M, a 51.6% margin (up 24.5 points year over year). Of the extra revenue versus a year earlier, 124% reached operating profit, above the 27% margin then. Total costs fell 11% while revenue rose 34%. Net earnings were $16.3M, up 149% year over year. The effective tax rate was 20.2%.
Operating cash flow was $19.1M (up 69% year over year), 117% of net earnings. Non-cash charges added back $682K of depreciation and amortization. Working capital and other items added $2.2M. Capital expenditures of $1.1M left free cash flow of $18.0M.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q3 2026 | 10-Q | Nov 6, 2026 | $39.6M | +34% | 51.6% | $16.3M | $19.1M |
Charts
Interactive views
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💵Where each $1 goesinteractive
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🌏Named in Asian annual reportsinteractive
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🔄Rotation against the market and its industry (RRG)interactive
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🔍Earnings qualityinteractive
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⚖️Fair value by methodinteractive
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🔭Outlook & guidanceinteractive
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📈Investments: gains and what it boughtinteractive
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🏭Its industry’s money flow (input-output)interactive
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About Citizens & Northern
Citizens & Northern Corporation (“Corporation”) is a bank holding company whose principal activity is community banking. The Corporation’s principal office is located in Wellsboro, Pennsylvania. The largest subsidiary is Citizens & Northern Bank (“C&N Bank” or the “Bank”). The Corporation’s other wholly-owned subsidiaries are Citizens & Northern Investment Corporation and Bucktail Life Insurance Company (“Bucktail”). Citizens & Northern Investment Corporation was formed in 1999 to engage in investment activities. Bucktail reinsures credit and mortgage life and accident and health insurance on behalf of C&N Bank.
In its own words, from its 10-K, filed Mar 6, 2026.
Citizens & Northern against its State Commercial Banks peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +34% against the peers' median +12%. Operating margin: 51.6% against the peers' median 34.7%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| CZNC Citizens & Northern | Q3 2026 | $39.6M | +34% | 51.6% |
| BNY Bank of New York Mellon | Q3 2026 | $5.7B | +12% | 38.5% |
| STT State Street | Q3 2026 | $4.0B | +13% | 34.7% |
| FITB Fifth Third Bancorp | Q3 2026 | $3.3B | +42% | 33.8% |
| MTB M&T Bank | Q3 2026 | $2.5B | +0.9% | 39.7% |
| FCNCA First Citizens Bancshares | Q3 2026 | $2.4B | 0% | 33.1% |
| ALLY Ally Financial | Q3 2026 | $2.3B | +8% | 24.3% |
| CFG Citizens Financial Group | Q3 2026 | $2.3B | +10% | 34.6% |
| NTRS Northern Trust | Q3 2026 | $2.3B | +13% | 34.7% |
Source: Citizens & Northern 10-Q on SEC EDGAR · CIK 810958 · State Commercial Banks
Guidance and outlook
13F: who owns CZNC and who is buying
More on CZNC
History
Every quarter: Q3 2026 results