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Citizens & Northern Corp

CZNC Finance Major Banks
$27.75
▲ +8.3% Today
as of Oct 23, 16:48 ET
Last 30 days +6.36% Sep 14 → Oct 23
$24.72 $25.53 $26.35 $27.16 $27.97 Sep 14 Sep 22 Sep 30 Oct 07 Oct 15 Oct 23
Open
$26.64
High
$27.78
Low
$26.64
Volume
$113,769
Avg Vol
$56,032
Mkt Cap
$452M
P/E (TTM)
57.95
Beta
—
52w High
$27.78
52w Low
$18.87
Div Yield
—
Shares Out
$18M

Recent Press Releases & News last 60 days · 1 item

CZNC earnings at a glance

The options market is pricing a move of about ±17.9% after the report, a range of roughly $22.78 to $32.72 from today's $27.75. Over its last 4 reports the stock rose the next day 2 times and fell 2, moving ±2.5% on average; after the most recent report on May 8, 2026 it moved -0.7%. That means options currently expect more movement than CZNC has typically delivered. CZNC beat the consensus EPS estimate in 0 of its last 5 reported quarters. Implied volatility is currently 94%. The share price of $27.75 sits near its 52-week high.

More Finance stocks · All stocks · Earnings calendar

Overview

52-week range
$19
$28
100% of range
Avg surprise (last 5)
-26.6%
Avg reaction (last 4)
+0.2%
50% positive
Latest IV / EM
94%
EM ±17.9% · $25 · Oct 16

Earnings trends

EPS — actual vs estimate Actual Estimate
$0.02$0.16$0.30$0.44$0.58 Actual $0.40Actual $0.39Actual $0.50Actual $0.35Actual $0.40Actual $0.41Actual $0.41Est $0.44Actual $0.40Est $0.47Actual $0.47Est $0.53Actual $0.56Est $0.58Actual $0.02Est $0.58 MarJunSepMarJunSepMar/2025Jun/2025Sep/20258KMar/2026
Revenue vs Net Income Revenue Net income
$0$4M$7M$11M$15M Sep 24Mar 25Jun 25Sep 25Mar 26Jun 26

Earnings history

DatePeriodActual EPSEstSurpriseYoY %ΔDay reactSource
Fri May 8, 2026Mar/2026 $0.02 $0.58 -96.5% -95.1% -0.7% earnings
Wed Jan 28, 20268K 2026-01-28 $0.56 $0.58 -3.5% — +4.4% earnings
Thu Oct 23, 2025Sep/2025 $0.47 $0.53 -11.3% — +1.2% earnings
Fri Aug 8, 2025Jun/2025 $0.40 $0.47 -14.9% — — earnings
Wed Apr 23, 2025Mar/2025 $0.41 $0.44 -6.8% — -3.9% earnings
Mon Sep 30, 2024Sep 2024 $0.41 — — — — financials
Sun Jun 30, 2024Jun 2024 $0.40 — — — — financials
Sun Mar 31, 2024Mar 2024 $0.35 — — — — financials
Sat Sep 30, 2023Sep 2023 $0.50 — — — — financials
Fri Jun 30, 2023Jun 2023 $0.39 — — — — financials
Fri Mar 31, 2023Mar 2023 $0.40 — — — — financials

Financials

Income statement (quarterly)

MetricJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024
Revenue————————
Cost of revenue————————
Gross profit————————
Operating income————————
Net income$14M$273,000—$7M$6M$6M—$6M
EPS (diluted)—$0.02—$0.42$0.40$0.41—$0.41

Balance sheet (quarterly)

MetricJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024
Cash & equivalents$83M$55M$46M$123M$100M$115M$126M$184M
Inventory————————
Total current assets————————
Total assets$3.15B$3.16B$3.13B$2.66B$2.61B$2.61B$2.61B$2.67B
Long-term debt————————
Total liabilities$2.81B$2.83B$2.79B$2.37B$2.32B$2.33B$2.34B$2.39B
Total equity$346M$336M$342M$294M$286M$282M$275M$277M

Implied volatility — last 90 days

8%120%232%344%457% Jun 07 — IV 12% · EM ±1.6%Jun 08 — IV 9% · EM ±1.2%Jun 22 — IV 107% · EM ±22.3%Jun 23 — IV 100% · EM ±20.4%Jun 30 — IV 117% · EM ±20.2%Jul 01 — IV 117% · EM ±19.6%Jul 02 — IV 131% · EM ±21.2%Jul 03 — IV 135% · EM ±21.2%Jul 16 — IV 457% · EM ±19.1%Jul 21 — IV 78% · EM ±18.2%Jul 27 — IV 15% · EM ±3.0%Aug 06 — IV 50% · EM ±8.1%Aug 07 — IV 52% · EM ±8.1%Aug 13 — IV 60% · EM ±7.1%Aug 19 — IV 122% · EM ±7.2%Aug 24 — IV 58% · EM ±12.1%Aug 25 — IV 83% · EM ±17.1%Aug 26 — IV 89% · EM ±17.7%Aug 28 — IV 98% · EM ±18.8%Sep 01 — IV 96% · EM ±16.6%Sep 02 — IV 100% · EM ±16.7%Sep 03 — IV 138% · EM ±22.3%Sep 04 — IV 141% · EM ±22.0%Sep 07 — IV 159% · EM ±22.0%Sep 08 — IV 132% · EM ±17.4%Sep 10 — IV 59% · EM ±6.9%Sep 11 — IV 77% · EM ±8.5%Sep 16 — IV 287% · EM ±16.9%Sep 21 — IV 93% · EM ±19.4%Sep 22 — IV 89% · EM ±18.3%Sep 23 — IV 45% · EM ±8.9%Sep 25 — IV 94% · EM ±17.9%

Sector peers

CZNC earnings FAQ

What is CZNC's expected move for earnings?

Options currently price a move of about ±17.9%, or $4.97 per share either way from $27.75.

How does CZNC stock usually react to earnings?

Across the last 4 reports the average next-day move was ±2.5%, up 2 times and down 2 times.

What is CZNC's implied volatility?

CZNC's at-the-money implied volatility is about 94% based on the latest options snapshot.

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