CITIZENS & NORTHERN CORPCZNCEarnings & Financial Report
Northern Trust Corporation is an American financial services company headquartered in Chicago, Illinois, that caters to corporations, institutional investors, and ultra high net worth individuals. Northern Trust is one of the largest banking institutions in the United States and one of the oldest banks in continuous operation. As of December 31, 2025, it had $1.8 trillion in assets under management and $14.9 trillion in assets under custody. Northern Trust Corporation is incorporated in Delaw...
CZNC Q4 FY2025 Key Financial Metrics
Revenue
$36.9M
Gross Profit
N/A
Operating Profit
$5.4M
Net Profit
$4.5M
Gross Margin
N/A
Operating Margin
14.6%
Net Margin
12.1%
YoY Growth
31.6%
EPS
$0.23
CITIZENS & NORTHERN CORP Q4 FY2025 Financial Summary
CITIZENS & NORTHERN CORP reported revenue of $36.9M (up 31.6% YoY) for Q4 FY2025, with a net profit of $4.5M (down 45.4% YoY) (12.1% margin).
Key Financial Metrics
| Total Revenue | $36.9M |
|---|---|
| Net Profit | $4.5M |
| Gross Margin | N/A |
| Operating Margin | 14.6% |
| Report Period | Q4 FY2025 |
CITIZENS & NORTHERN CORP Annual Revenue by Year
CITIZENS & NORTHERN CORP annual revenue history includes year-by-year totals (for example, 2025 revenue was $122.7M).
CITIZENS & NORTHERN CORP Quarterly Revenue & Net Profit History
CITIZENS & NORTHERN CORP results over the last 8 reported quarters, including revenue, net profit and year-over-year growth.
| Quarter | Revenue | Revenue YoY | Net Profit | Net Margin |
|---|---|---|---|---|
| Q4 FY2025 | $36.9M | +31.6% | $4.5M | 12.1% |
| Q3 FY2025 | $29.6M | +8.3% | $6.6M | 22.2% |
| Q2 FY2025 | $29.3M | +7.3% | $6.1M | 20.9% |
| Q1 FY2025 | $27.0M | +4.9% | $6.3M | 23.3% |
| Q4 FY2024 | $28.0M | +10.9% | $8.2M | 29.2% |
| Q3 FY2024 | $27.3M | +4.3% | $6.4M | 23.3% |
| Q2 FY2024 | $27.3M | +1.1% | $6.1M | 22.4% |
| Q1 FY2024 | $25.7M | -2.6% | $5.3M | 20.6% |
Income Statement
| Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $25.7M | $27.3M | $27.3M | $28.0M | $27.0M | $29.3M | $29.6M | $36.9M |
| YoY Growth | -2.6% | 1.1% | 4.3% | 10.9% | 4.9% | 7.3% | 8.3% | 31.6% |
Balance Sheet
| Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | |
|---|---|---|---|---|---|---|---|---|
| Assets | $2.52B | $2.59B | $2.67B | $2.61B | $2.61B | $2.61B | $2.66B | $3.13B |
| Liabilities | $2.26B | $2.33B | $2.39B | $2.34B | $2.33B | $2.32B | $2.37B | $2.79B |
| Equity | $261.7M | $263.2M | $277.3M | $275.3M | $281.8M | $286.4M | $294.0M | $341.7M |
Cash Flow
| Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | |
|---|---|---|---|---|---|---|---|---|
| Operating CF | $5.7M | $8.6M | $6.6M | $33.0M | $1.6M | $8.5M | $11.3M | $32.0M |