Short answer
CITIZENS & NORTHERN CORP (CZNC) filed its Q3 2025 10-Q quarterly report on Nov 7, 2025 for the quarter ended Sep 30, 2025. Quarterly revenue was $34M (up 1.7% year over year) with net income of $7M.
Q3 2025 key financials · XBRL
- Revenue
- $34M
- +1.7% YoY · +3.7% QoQ
- Net income
- $7M
- +2.9% YoY · +7.1% QoQ
- EPS (diluted)
- $0.42
- +0.0% YoY · +7.7% QoQ
Source: XBRL data from the CITIZENS & NORTHERN CORP (CZNC) Q3 2025 10-Q on SEC EDGAR. USD.
CITIZENS & NORTHERN CORP Q3 2025 10-Q analysis
AI summary of MD&A and risk factor updates
Management Discussion & Analysis
- Revenue proxy net interest income $22.263M, up $2.107M YoY; net interest margin 3.62% vs 3.29%
- Net income $6.551M vs $6.365M YoY; diluted EPS $0.42 vs $0.41
- Best-performing line trust revenue $2.056M, up 5.7% YoY; weakest brokerage and insurance revenue $490K, down 6.3%
- Merger-related expenses $882K in Q3; total transaction expenses $1.049M year-to-date
- Headwinds include credit-loss provision $2.163M, ACL 1.21% vs 1.08%, and estimated merger expenses of approximately $7.5M
Risk Factors
- Newly added acquisition risk: Susquehanna integration may disrupt operations, controls, customer relationships, or employee retention
- Most material update: Preliminary expectation of first-year EPS accretion excludes one-time charges and may change materially
- Regulatory or compliance risk: Integration could create inconsistencies in standards, controls, procedures, and policies
- Near-term operational risk: Management attention and resources diverted from ongoing business and other opportunities
- Financial risk: Acquisition may dilute EPS and reduce Citizens & Northern’s common-stock market price
Generated from the filing text; verify against the original. 10-K vs 10-Q vs 8-K
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