Citizens & Northern (CZNC) Q3 2026 earnings — TrendMatrix coverage
Reported
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. How we score · Full disclosure · Editorial policy
Key numbers
- Adjusted EPS
- $0.92
- Estimate
- $0.68
- Surprise
- +35.3%
- Score at report (before → after)
- 6.5 → 6.7/10
Revenue for this quarter isn’t shown: the reported figure hasn’t cleared TrendMatrix’s freshness and sanity checks yet, and consensus revenue isn’t tracked. EPS above is the available figure.
How the report landed
Citizens & Northern (CZNC) beat the $0.68 estimate with adjusted EPS of $0.92 — a large 35.3% upside surprise. TrendMatrix's engine moved from Buy (Wait) (6.5/10) to Sell at 6.7/10 after the report.
Where TrendMatrix's rating stands now
TrendMatrix currently rates CZNC Sell at 6.7/10.
2 of the last 4 quarters beat the estimate; this quarter's +35.3% surprise compares with a -9.4% four-quarter average.
What supports the rating
- Sector modifier (Financial Services): +1.0
- Attractive valuation
What argues against it
- Analyst target reached - limited upside remaining
- Near 52-week high (0.3% away)
- V7 low-quality RISK_OFF penalty: -0.5 (Q=5.4)
This section and the ones below it reflect TrendMatrix’s latest engine read — they update after the report date and are not frozen to it.
The levels TrendMatrix's engine tracks
- Current price
- $26.64
- Stop
- $25.46
The stock trades at 17.4× trailing but 9.7× forward earnings — consensus estimates already build in a substantial earnings recovery.
Risk check: trading volume is running 2.3× its average — elevated turnover around the report window.
Model outputs from TrendMatrix’s engine as of 2026-10-23 — shown for context, not personalized investment advice.
CZNC at TrendMatrix's latest read
For financials, the EPS print is only half the story: credit costs, reserve builds, and rate sensitivity decide how a quarter actually lands.
- Industry
- Banks - Regional
- Market cap
- $477.8M
- P/E (fwd)
- 9.7
- P/E (ttm)
- 17.4
- 52-week range
- $18.87–$26.73
- Off 52-week high
- 0.3%
- RSI (14)
- 66
- Volume vs avg
- 2.31×
- Score today
- 6.7/10