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Citizens & Northern vs C & F Financial: CZNC and CFFI compared
Citizens & Northern is the larger company: $39.6M of revenue in its latest quarter (Q3 2026) against $38.2M for C & F Financial (Q3 2026). Citizens & Northern is growing faster (+34% against +6% a year earlier). Citizens & Northern is more profitable, with an operating margin of 51.6% against 26.6%.
Where the money goes: CZNC and CFFI
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.
C & F Financial (CFFI) · Q3 2026
C & F Financial, Q3 2026: revenue $38.2M (+6% year over year), operating margin 26.6%, net earnings $8.3M, operating cash flow $29.3M. The chart follows the revenue to costs, profit and cash.
| Citizens & Northern (CZNC) | C & F Financial (CFFI) | |
|---|---|---|
| Latest quarter | Q3 2026 | Q3 2026 |
| Revenue | $39.6M | $38.2M |
| Revenue growth, Y/Y | +34% | +6% |
| Operating margin | 51.6% | 26.6% |
| Net earnings | $16.3M | $8.3M |
| Net margin | 41.2% | 21.7% |
| Operating cash flow | $19.1M | $29.3M |
| Free cash flow | $18.0M | $26.3M |
Where the revenue comes from
Citizens & Northern
- Net interest income: $30.2M (76%)
- Noninterest income: $9.4M (24%)
Questions
Which is bigger, Citizens & Northern or C & F Financial?
Citizens & Northern is the larger company: $39.6M of revenue in its latest quarter (Q3 2026) against $38.2M for C & F Financial (Q3 2026).
Is Citizens & Northern or C & F Financial growing faster?
Citizens & Northern is growing faster (+34% against +6% a year earlier).
Which is more profitable, Citizens & Northern or C & F Financial?
Citizens & Northern is more profitable, with an operating margin of 51.6% against 26.6%.
More: Citizens & Northern earnings · how Citizens & Northern makes money · C & F Financial earnings · how C & F Financial makes money
From the companies' latest 10-Q, 10-K or earnings release (10-Q filed Nov 6, 2026; 10-Q filed Nov 5, 2026). Fiscal quarters can end on different dates. Not investment advice.