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 Q3 2025 Key Financial Metrics
Revenue
$22.3M
Gross Profit
N/A
Operating Profit
$8.0M
Net Profit
$6.6M
Gross Margin
N/A
Operating Margin
36.0%
Net Margin
29.4%
YoY Growth
10.5%
EPS
$0.42
Financial Flow
CITIZENS & NORTHERN CORP Q3 2025 Financial Summary
CITIZENS & NORTHERN CORP reported revenue of $22.3M for Q3 2025, with a net profit of $6.6M (29.4% margin). Cost of goods sold was N/A, operating expenses totaled N/A.
Key Financial Metrics
| Total Revenue | $22.3M |
|---|---|
| Net Profit | $6.6M |
| Gross Margin | N/A |
| Operating Margin | 36.0% |
| Report Period | Q3 2025 |
CITIZENS & NORTHERN CORP Annual Revenue by Year
CITIZENS & NORTHERN CORP annual revenue history includes year-by-year totals (for example, 2024 revenue was $79.1M).
| Year | Annual Revenue |
|---|---|
| 2024 | $79.1M |
| 2023 | $80.4M |
| 2022 | $83.1M |
Income Statement
| Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $19.6M | $19.0M | $19.4M | $20.2M | $20.5M | $20.0M | $21.1M | $22.3M |
| YoY Growth | -12.1% | -8.4% | -4.5% | 2.5% | 4.5% | 4.9% | 8.7% | 10.5% |
Balance Sheet
| Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | |
|---|---|---|---|---|---|---|---|---|
| Assets | $2.52B | $2.52B | $2.59B | $2.67B | $2.61B | $2.61B | $2.61B | $2.66B |
| Liabilities | $2.25B | $2.26B | $2.33B | $2.39B | $2.34B | $2.33B | $2.32B | $2.37B |
| Equity | $262.4M | $261.7M | $263.2M | $277.3M | $275.3M | $281.8M | $286.4M | $294.0M |
Cash Flow
| Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | |
|---|---|---|---|---|---|---|---|---|
| Operating CF | $7.7M | $5.7M | $8.6M | $6.6M | $12.1M | $1.6M | $8.5M | $11.3M |
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