---
schema_version: "secwatch.filing_event.v1"
accession: "0000810958-22-000011"
form_type: "8-K"
ticker: "CZNC"
cik: "0000810958"
company_name: "CITIZENS & NORTHERN CORP"
filed_at: "2022-11-08T23:59:59+00:00"
generated_at: "2026-06-22T04:47:26.042039+00:00"
event_type: "other_material"
sentiment: "negative"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- accession: 0000810958-22-000011
- form_type: 8-K
- ticker: CZNC
- cik: 0000810958
- company_name: CITIZENS & NORTHERN CORP
- filed_at: 2022-11-08T23:59:59+00:00
- event_type: other_material
- sentiment: negative
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/810958/000081095822000011/0000810958-22-000011-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/810958/000081095822000011/cznc-20221108x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000810958-22-000011
- JSON: https://secwatch.observer/filing/0000810958-22-000011.json
- Plain text: https://secwatch.observer/filing/0000810958-22-000011.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.