C&N reports Q4 net income $8.2M ($0.53 EPS), up 92% YoY; declares $0.28 dividend

CITIZENS & NORTHERN CORP

2024-FY EPS reported $1.69

Net income Q4 2024 $8.174M ($0.53 diluted EPS) vs $4.261M ($0.28) in Q4 2023, up 92% YoY.
Net interest margin 3.30% for Q4, flat with Q3 and down 1bp YoY; net interest income $20.473M.
Credit for credit losses of $531K in Q4 vs provision of $1.207M in Q3; ACL 1.06% of loans.
Nonperforming loans $24.0M (1.26% of loans) at Dec 31, up from $18.4M (0.99%) a year ago.
Declared $0.28 quarterly dividend, payable Feb 14, 2025; no shares repurchased in Q4.

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