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AI brief of an SEC Form 8-K · CITIZENS & NORTHERN CORP (CZNC)

Citizens & Northern Q3 net income rises to $16.3 million, dividend raised to $0.30

Positive Impact 3 of 5 earnings Written later

Citizens & Northern reported unaudited third-quarter 2026 net income of $16,285,000, or $0.92 per diluted share, up from $14,057,000 in the second quarter and $6,551,000 in the third quarter of 2025. The board also raised the regular quarterly cash dividend by $0.02 to $0.30 per share, which shareholders of record on November 2, 2026 will receive on November 13, 2026.

Key points

  • Q3 2026 net income of $16,285,000 ($0.92 diluted EPS), versus $14,057,000 ($0.79) in Q2 2026 and $6,551,000 ($0.42) in Q3 2025
  • Net interest margin rose to 4.13% in Q3 2026 from 4.07% in Q2 2026; net interest income was $30,205,000
  • Q3 2026 included a credit for credit losses of $3,171,000; the nine-month provision was $8,585,000 versus $4,753,000 a year earlier
  • Quarterly dividend increased to $0.30 per share from $0.28, payable November 13, 2026 to holders of record as of November 2, 2026

The filing

CompanyCITIZENS & NORTHERN CORP (CZNC)
Form8-K, current report
Filed with the SECOct 22, 2026, 4:11 PM ET
Accession number0001104659-26-118158

Items reported: 2.02 Results of Operations

Read the filing on SEC.gov ↗

Written by AI on Nov 9, 2026, 8:51 AM ET, from this filing only. Written later: this filing was briefed after the fact, when past filings were added to the site, so the brief may be read with hindsight; the filing itself is the record of what was known on October 22, 2026.

Briefs are written by AI from the filing text and can contain mistakes — open the filing before acting on anything. Impact (1-5) and tone are the AI's reading of the filing for shareholders, not a price forecast. Not investment advice.