Filing Flows › Comparisons › BSRR vs CZNC
Sierra Bancorp vs Citizens & Northern: BSRR and CZNC compared
Sierra Bancorp is the larger company: $40.1M of revenue in its latest quarter (Q3 2026) against $39.6M for Citizens & Northern (Q3 2026). Citizens & Northern is growing faster (+34% against +0.1% a year earlier). Citizens & Northern is more profitable, with an operating margin of 51.6% against 49.4%.
Where the money goes: BSRR and CZNC
Sierra Bancorp (BSRR) · Q3 2026
Sierra Bancorp, Q3 2026: revenue $40.1M (+0.1% year over year), operating margin 49.4%, net earnings $15.3M, operating cash flow $21.4M. The chart follows the revenue to costs, profit and cash.
Citizens & Northern (CZNC) · Q3 2026
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.
| Sierra Bancorp (BSRR) | Citizens & Northern (CZNC) | |
|---|---|---|
| Latest quarter | Q3 2026 | Q3 2026 |
| Revenue | $40.1M | $39.6M |
| Revenue growth, Y/Y | +0.1% | +34% |
| Operating margin | 49.4% | 51.6% |
| Net earnings | $15.3M | $16.3M |
| Net margin | 38.1% | 41.2% |
| Operating cash flow | $21.4M | $19.1M |
| Free cash flow | $20.7M | $18.0M |
Where the revenue comes from
Sierra Bancorp
- Net interest income: $32.4M (81%)
- Noninterest income: $7.7M (19%)
Citizens & Northern
- Net interest income: $30.2M (76%)
- Noninterest income: $9.4M (24%)
Questions
Which is bigger, Sierra Bancorp or Citizens & Northern?
Sierra Bancorp is the larger company: $40.1M of revenue in its latest quarter (Q3 2026) against $39.6M for Citizens & Northern (Q3 2026).
Is Sierra Bancorp or Citizens & Northern growing faster?
Citizens & Northern is growing faster (+34% against +0.1% a year earlier).
Which is more profitable, Sierra Bancorp or Citizens & Northern?
Citizens & Northern is more profitable, with an operating margin of 51.6% against 49.4%.
More: Sierra Bancorp earnings · how Sierra Bancorp makes money · Citizens & Northern earnings · how Citizens & Northern makes money
From the companies' latest 10-Q, 10-K or earnings release (10-Q filed Oct 30, 2026; 10-Q filed Nov 6, 2026). Fiscal quarters can end on different dates. Not investment advice.