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MVB Financial vs Citizens & Northern: MVBF and CZNC compared
MVB Financial is the larger company: $40.4M of revenue in its latest quarter (Q3 2026) against $39.6M for Citizens & Northern (Q3 2026). Citizens & Northern is growing faster (+34% against -34% a year earlier). Citizens & Northern is more profitable, with an operating margin of 51.6% against 1.6%.
Where the money goes: MVBF and CZNC
MVB Financial (MVBF) · Q3 2026
MVB Financial, Q3 2026: revenue $40.4M (-34% year over year), operating margin 1.6%, net earnings $438K, operating cash flow −$1.2M. 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.
| MVB Financial (MVBF) | Citizens & Northern (CZNC) | |
|---|---|---|
| Latest quarter | Q3 2026 | Q3 2026 |
| Revenue | $40.4M | $39.6M |
| Revenue growth, Y/Y | -34% | +34% |
| Operating margin | 1.6% | 51.6% |
| Net earnings | $438K | $16.3M |
| Net margin | 1.1% | 41.2% |
| Operating cash flow | −$1.2M | $19.1M |
| Free cash flow | — | $18.0M |
Where the revenue comes from
MVB Financial
- Net interest income: $32.6M (81%)
- Noninterest income: $7.8M (19%)
Citizens & Northern
- Net interest income: $30.2M (76%)
- Noninterest income: $9.4M (24%)
Questions
Which is bigger, MVB Financial or Citizens & Northern?
MVB Financial is the larger company: $40.4M of revenue in its latest quarter (Q3 2026) against $39.6M for Citizens & Northern (Q3 2026).
Is MVB Financial or Citizens & Northern growing faster?
Citizens & Northern is growing faster (+34% against -34% a year earlier).
Which is more profitable, MVB Financial or Citizens & Northern?
Citizens & Northern is more profitable, with an operating margin of 51.6% against 1.6%.
More: MVB Financial earnings · how MVB Financial makes money · Citizens & Northern earnings · how Citizens & Northern makes money
From the companies' latest 10-Q, 10-K or earnings release (10-Q filed Nov 4, 2026; 10-Q filed Nov 6, 2026). Fiscal quarters can end on different dates. Not investment advice.