Citizens & Northern stock gained 1.75 percent on October 2

Published on 10/04/2026 at 21:37 | Editorial responsibility: Rafael Müller, Editor-in-Chief AD HOC NEWS

Citizens & Northern stock posted Q2 2026 EPS of USD 0.79, up from USD 0.40 a year earlier. Net income reached USD 14.057 million before the October 22 report date.

CZNC, US1729221069, Illustration mit AI erstellt.

Citizens & Northern stock (ISIN US1729221069) closed at USD 25.63 on October 2, 2026, gaining 1.75 percent and ending 2.81 percent below its 52-week high of USD 26.37. The latest quarterly figures show a sharp rebound in profitability, while the next earnings date gives the market a defined checkpoint.

Second quarter profit rebounds

For the three months ended June 30, 2026, Citizens & Northern reported net income of USD 14.057 million, compared with USD 6.117 million in the second quarter of 2025. According to StockTitan, diluted earnings per share rose to USD 0.79 from USD 0.40, while net interest income reached USD 29.618 million and the quarterly net interest margin was 4.07 percent.

The improvement followed a weak first quarter, when net income was USD 273,000 and diluted EPS was USD 0.02. The second quarter therefore restored earnings power quickly, but the comparison also shows how sensitive quarterly results can be to credit costs and other bank-specific items.

Balance sheet supports the rebound

Citizens & Northern reported total assets of USD 3.152 billion and deposits of USD 2.604 billion as of June 30, 2026. The same filing summary put loans net of the allowance for credit losses at USD 2.316 billion and the total risk-based capital ratio at 14.52 percent, giving investors a clearer measure of the balance-sheet base behind the earnings recovery.

The company remains a regional bank holding company serving customers through Citizens & Northern Bank. Its common stock trades on the Nasdaq Capital Market under CZNC, a listing confirmed in the September 18, 2026 filing with the SEC.

October earnings date approaches

According to MarketBeat, Citizens & Northern is scheduled to release third-quarter 2026 results on October 22, 2026, after the market close, followed by a conference call on October 23 at 4:00 p.m. ET. That report will show whether the second-quarter rebound continued into the next reporting period.

Stock remains near yearly high

Citizens & Northern had a market capitalization of USD 459.2 million and volume of 67,145 shares on October 2, 2026. The session range was USD 25.22 to USD 25.94, placing the closing price near the upper end of the day's trading range.

The stock's 52-week range was USD 18.87 to USD 26.37 on October 2, 2026. The closing price was USD 6.76 above the yearly low and USD 0.74 below the yearly high, keeping the earnings recovery and October reporting date central to the next valuation discussion.