---
schema_version: "secwatch.filing_event.v1"
accession: "0001104659-25-101823"
form_type: "8-K"
ticker: "CZNC"
cik: "0000810958"
company_name: "CITIZENS & NORTHERN CORP"
filed_at: "2025-10-23T23:59:59+00:00"
generated_at: "2026-05-17T02:38:07.863839+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- accession: 0001104659-25-101823
- form_type: 8-K
- ticker: CZNC
- cik: 0000810958
- company_name: CITIZENS & NORTHERN CORP
- filed_at: 2025-10-23T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/810958/000110465925101823/0001104659-25-101823-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/810958/000110465925101823/cznc-20251023x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001104659-25-101823
- JSON: https://secwatch.observer/filing/0001104659-25-101823.json
- Plain text: https://secwatch.observer/filing/0001104659-25-101823.txt

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