Citizens & Northern Q3 2022 net income down 40% YoY; EPS $0.29 vs $0.47

CITIZENS & NORTHERN CORP

Q3 2022 net income $4.455M vs $7.399M YoY (-39.8%); diluted EPS $0.29 vs $0.47.
Net interest income $20.9M (+7.3% YoY); provision for loan losses $3.8M (+148%).
Nine-month 2022 EPS $1.21 (-17% YoY); ROAA 1.06%, ROATCE 11.55%.
Total assets $2.4B, deposits $2.04B, TCE/TA 7.82%; dividend unchanged at $0.28/qtr.
Market cap $372M; stock price $23.98 (4.67% div yield); presented at Piper Sandler conf.

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