Filing Flows › Citizens & Northern (CZNC) › Q3 2026
Citizens & Northern (CZNC) Q3 2026 earnings results (third quarter 2026)
10-Q filed Nov 6, 2026
Citizens & Northern (CZNC) reported revenue of $39.6M for the third quarter 2026 (Q3 2026), +34% from a year earlier and +0.4% from the quarter before. Operating margin was 51.6%, net earnings $16.3M (41.2% of revenue).
Citizens & Northern, Q3 2026: revenue $39.6M (+34% year over year), operating margin 51.6%, net earnings $16.3M, operating cash flow $19.1M. The chart follows the revenue to costs, profit and cash.
| Q3 2026 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $39.6M | +0.4% | +34% |
| Operating profit | $20.4M | +17% | +155% |
| Net earnings | $16.3M | +16% | +149% |
| Operating cash flow | $19.1M | +24% | +69% |
| Free cash flow | $18.0M | +18% | +65% |
What changed
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.
Questions
What was Citizens & Northern's revenue in the third quarter 2026?
Citizens & Northern (CZNC) reported revenue of $39.6M for the third quarter 2026 (Q3 2026), +34% from a year earlier and +0.4% from the quarter before.
Was Citizens & Northern profitable in the third quarter 2026?
Operating profit was $20.4M (51.6% of revenue) and net earnings $16.3M.