Citizens & Northern reports record profit. Citizens & Northern stock is valued at USD 499.3 million

Published on 10/28/2026 at 06:01 | Editorial responsibility: Rafael Müller, Editor-in-Chief AD HOC NEWS

Third-quarter net income reached USD 16.29 million and diluted earnings per share hit USD 0.92. Citizens & Northern stock gets a USD 0.30 dividend on November 13, 2026.

Dividend and earnings update

Citizens & Northern reported USD 16.29 million in third-quarter net income on October 22, 2026.
Third-quarter net interest income reached USD 30.21 million, versus USD 22.26 million a year earlier.
Citizens & Northern had a USD 499.3 million market capitalization as of October 27, 2026.

CZNC, US1729221069, Illustration mit AI erstellt.

Citizens & Northern Corporation (ISIN US1729221069) reported record third-quarter 2026 net income of USD 16.29 million, or USD 0.92 in diluted earnings per share, according to TradingView on October 22, 2026. The result compared with USD 14.06 million and USD 0.79 per diluted share in the second quarter.

Record earnings and higher dividend

The latest quarter also showed stronger lending income. MarketScreener reported third-quarter net interest income of USD 30.21 million, up from USD 22.26 million a year earlier. For the first nine months of 2026, net income reached USD 30.62 million, compared with USD 18.96 million in the first nine months of 2025.

The board declared a quarterly cash dividend of USD 0.30 per share, up from USD 0.28, with payment scheduled for November 13, 2026. The same MarketScreener report identified November 2, 2026 as the record date.

What does the margin signal?

Net interest margin increased to 4.13 percent in the third quarter from 4.07 percent in the second quarter and 3.62 percent a year earlier. The efficiency ratio was 56.11 percent, while a USD 3.17 million credit for credit losses supported reported earnings.

Second-quarter results had already shown expanding scale. Simply Wall St reported USD 41.3 million in second-quarter revenue and USD 14.1 million in net income, with earnings per share of USD 0.79 versus USD 0.40 a year earlier.

Market value and dividend dates

Citizens & Northern had a market capitalization of USD 499.3 million as of October 27, 2026. Its 52-week range was USD 18.87 to USD 28.31, placing the latest market value near the upper end of that span.

The next dated shareholder milestones are November 2, 2026, the record date for the USD 0.30 dividend, and November 13, 2026, the payment date. Citizens & Northern trades on Nasdaq under the ticker CZNC, according to MarketScreener.