Recent 8-K filings for CZNC

• April 29, 2026, 7:59 PM ET earnings materiality 0.85 negative item 2.02item 9.01 ◈ Earnings Releases

  C&N Q1 EPS sinks to $0.02 on $13.6M provision from $24M CRE loan charge-off

  Diluted EPS of $0.02 vs $0.41 a year ago and $0.25 in Q4 2025; net income $273,000.

• December 11, 2025, 6:59 PM ET M&A materiality 0.75 neutral item 9.01

  C&N completes $44.6M Susquehanna merger; pro forma EPS $1.20 for 2024

  Merger consideration $44.6M: 0.8 C&N shares per Susquehanna share, price $19.64/share.

• October 23, 2025, 7:59 PM ET earnings materiality 0.65 positive item 2.02item 9.01

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

  GAAP net income $6.55M ($0.42 diluted EPS), up from $6.12M in Q2 2025 and $6.37M in Q3 2024.

• October 1, 2025, 7:59 PM ET M&A materiality 0.75 positive item 2.01item 5.02item 8.01item 9.01 ◈ M&A Transactions

  Citizens & Northern completes merger with Susquehanna Community Financial, exchange ratio 0.80

  Merger completed Oct 1, 2025; Susquehanna shareholders receive 0.80 C&N shares + cash for fractions.

• September 22, 2025, 7:59 PM ET M&A materiality 0.60 positive item 8.01item 9.01

  CZNC receives all regulatory & shareholder approvals for Susquehanna merger; close Oct 1

  C&N (CZNC) obtains all required regulatory approvals or waivers and shareholder approval for the merger with Susquehanna (SQCF).

• July 24, 2025, 7:59 PM ET other material materiality 0.70 neutral item 2.02item 9.01

  C&N reports Q2 EPS $0.40, dividend $0.28, merger with Susquehanna on track for Q4 2025

  Q2 2025 net income $6.117M ($0.40 diluted EPS) vs $6.113M ($0.40) YoY; net interest margin expanded to 3.52%.

• April 23, 2025, 7:59 PM ET earnings materiality 0.60 neutral item 2.02item 9.01

  C&N Q1 net income $6.3M ($0.41 EPS), up 18.6% YoY; net interest margin improves to 3.38%

  Net income of $6,293,000 ($0.41 diluted EPS) up 18.6% from Q1 2024 ($5.3M, $0.35) but down from Q4 2024 ($8.2M, $0.53).

• April 23, 2025, 7:59 PM ET M&A materiality 0.85 positive item 1.01item 7.01item 9.01

  CZNC to acquire SQCF in $44.3M stock-for-stock merger; ~17% EPS accretive

  Exchange ratio 0.80 CZNC shares per SQCF share; total consideration ~$44.3M based on $19.48 CZNC close.

• January 23, 2025, 6:59 PM ET earnings materiality 0.65 positive item 2.02item 9.01

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

  Net income Q4 2024 $8.174M ($0.53 diluted EPS) vs $4.261M ($0.28) in Q4 2023, up 92% YoY.

• October 17, 2024, 7:59 PM ET earnings materiality 0.65 negative item 2.02item 9.01

  C&N Q3 2024 EPS $0.41, down 18% YoY; nonperforming loans rise to 1.29%

  Net income $6.365M ($0.41 diluted EPS) vs $7.591M ($0.50) in Q3 2023, down 16.2%.

• May 28, 2024, 7:59 PM ET leadership materiality 0.60 neutral item 1.01item 9.01

  CEO Scovill extends term to April 2027; receives 20,000 restricted stock shares as retention incentive

  Term extended through April 30, 2027; one-time grant of 20,000 restricted shares vests on that date, accelerating on termination without cause or for good reason.

• April 25, 2024, 7:59 PM ET earnings materiality 0.70 negative item 2.02item 9.01 ◈ Earnings Releases

  C&N Q1 net income down 15% YoY to $0.35 EPS; NIM narrows, credit costs rise

  Net income $5.306M ($0.35 diluted) vs $6.253M ($0.40) in Q1 2023.

• January 18, 2024, 6:59 PM ET earnings materiality 0.70 negative item 2.02item 9.01 ◈ Earnings Releases

  C&N Q4 EPS $0.28 vs $0.50 YoY; full-year EPS $1.57 vs $1.71; dividend unchanged at $0.28

  Q4 net income $4.261M ($0.28 diluted EPS) vs $7.779M ($0.50) in Q4 2022, down 45%.

• October 19, 2023, 7:59 PM ET earnings materiality 0.70 positive item 2.02item 9.01 ◈ Earnings Releases

  C&N Q3 net income $7.6M ($0.50 EPS) up from $0.29 YoY; net interest margin 3.35%

  Net income $7,591,000, diluted EPS $0.50 (vs $0.39 in Q2 2023 and $0.29 in Q3 2022).

• September 25, 2023, 7:59 PM ET other material materiality 0.65 positive item 8.01item 9.01

  Citizens & Northern Corp authorizes new buyback of up to 750,000 shares (~5% outstanding)

  Board approved repurchase of up to 750,000 shares, or ~5% of outstanding as of Aug 4, 2023.

• July 20, 2023, 7:59 PM ET earnings materiality 0.65 negative item 2.02item 9.01 ◈ Earnings Releases ×2

  CZNC Q2 EPS falls 19% YoY to $0.39; declares $0.28 dividend

  Q2 net income $6.0M ($0.39 diluted EPS) vs $7.5M ($0.48) in Q2 2022.

• April 20, 2023, 7:59 PM ET earnings materiality 0.70 neutral item 2.02item 9.01 ◈ Earnings Releases

  C&N Q1 EPS $0.40, down 9% YoY; deposits fall $81.6M; NIM 3.71%

  Net income $6.25M ($0.40 diluted EPS) vs $6.90M ($0.44) in Q1 2022, down 9.3%.

• January 26, 2023, 6:59 PM ET earnings materiality 0.75 negative item 2.02item 9.01 ◈ Earnings Releases

  C&N Q4 EPS $0.50, full-year EPS $1.71; credit quality weakens

  Q4 2022 net income $7.78M ($0.50 diluted), up from $4.46M ($0.29) in Q3 2022.

• November 8, 2022, 6:59 PM ET other material materiality 0.60 negative item 7.01item 9.01

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

  Q3 2022 net income $4.455M vs $7.399M YoY (-39.8%); diluted EPS $0.29 vs $0.47.

• October 20, 2022, 7:59 PM ET earnings materiality 0.75 negative item 2.02item 9.01

  C&N Q3 net income down 40% to $0.29/diluted share; declares $0.28 dividend

  Q3 2022 net income $4.455M ($0.29 diluted EPS) vs $7.399M ($0.47) in Q3 2021, a decline of 40%.

• July 21, 2022, 7:59 PM ET earnings materiality 0.60 positive item 2.02item 9.01

  C&N Q2 2022 EPS $0.48, up from $0.44 in Q1; dividend $0.28 declared

  Net income $7.49M ($0.48 diluted EPS) vs $6.90M ($0.44) in Q1 2022 and $7.06M ($0.44) in Q2 2021.

• April 21, 2022, 7:59 PM ET earnings materiality 0.65 negative item 2.02item 9.01

  Citizens & Northern Q1 net income $6.9M ($0.44/dil), down 21.5% YoY; dividend raised to $0.28

  Net income $6.9M ($0.44/dil) vs $8.8M ($0.55/dil) YoY; diluted EPS down 20%.

• January 20, 2022, 6:59 PM ET earnings materiality 0.75 positive item 2.02item 9.01

  C&N reports record 2021 net income of $30.6M; declares $0.28 quarterly dividend

  Full-year diluted EPS $1.92, up from $1.30 in 2020 (GAAP); adjusted non-GAAP EPS $1.92 vs $1.80.

Executive changes

Earnings & guidance

Materiality & sentiment trend

Max materiality 0.85 · Median 0.55 · Most common event earnings

11 positive 9 negative 27 neutral

source · CZNC on sec.gov