C&N Q3 2025 EPS $0.42; adj. EPS $0.47; dividend $0.28; merger closed Oct 1

CITIZENS & NORTHERN CORP

2025-Q3 EPS reported $1.22 vs consensus $0.52 ▲ beat (+134.5%)

GAAP net income $6.55M ($0.42 diluted EPS), up from $6.12M in Q2 2025 and $6.37M in Q3 2024.
Adjusted EPS (non-GAAP, excl. merger costs) $0.47; adjusted nine-month 2025 EPS $1.28.
Net interest margin expanded to 3.62% in Q3 2025 vs 3.52% in Q2 2025 and 3.29% in Q3 2024.
Completed merger with Susquehanna Community Financial on Oct 1, 2025; exchange ratio 0.80 CZNC shares per Susquehanna share.
Board declared $0.28/share quarterly dividend, payable Nov 14, 2025 to holders of record Nov 3, 2025.

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