Citizens & Northern First Quarter 2025 Earnings: Misses Expectations

Citizens & Northern (NASDAQ:CZNC) First Quarter 2025 Results

Key Financial Results

• Revenue: US$26.7m (up 8.0% from 1Q 2024).
• Net income: US$6.24m (up 19% from 1Q 2024).
• Profit margin: 23% (up from 21% in 1Q 2024). The increase in margin was driven by higher revenue.
• EPS: US$0.41 (up from US$0.35 in 1Q 2024).

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All figures shown in the chart above are for the trailing 12 month (TTM) period

Citizens & Northern Revenues and Earnings Miss Expectations

Revenue missed analyst estimates by 2.6%. Earnings per share (EPS) also missed analyst estimates by 6.8%.

Looking ahead, revenue is forecast to grow 4.2% p.a. on average during the next 2 years, compared to a 7.1% growth forecast for the Banks industry in the US.

Performance of the American Banks industry.

The company's shares are up 1.3% from a week ago.

Balance Sheet Analysis

While earnings are important, another area to consider is the balance sheet. We have a graphic representation of Citizens & Northern's balance sheet and an in-depth analysis of the company's financial position.

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