Citizens & Northern (CZNC) Misses Q2 Earnings Estimates

Core Viewpoint - Citizens & Northern (CZNC) reported quarterly earnings of $0.4 per share, missing the Zacks Consensus Estimate of $0.47 per share, representing an earnings surprise of -14.89% [1][2] Financial Performance - The company posted revenues of $29.5 million for the quarter ended June 2025, surpassing the Zacks Consensus Estimate by 4.62%, compared to $27.5 million in the same quarter last year [2] - Over the last four quarters, Citizens & Northern has surpassed consensus EPS estimates just once [2] Stock Performance - Citizens & Northern shares have lost about 1.1% since the beginning of the year, while the S&P 500 has gained 7.8% [3] - The stock's immediate price movement will depend on management's commentary during the earnings call [3] Earnings Outlook - The current consensus EPS estimate for the coming quarter is $0.53 on revenues of $28.5 million, and $1.88 on revenues of $110 million for the current fiscal year [7] - The estimate revisions trend for Citizens & Northern was favorable ahead of the earnings release, resulting in a Zacks Rank 1 (Strong Buy) for the stock [6] Industry Context - The Banks - Northeast industry, to which Citizens & Northern belongs, is currently in the top 11% of over 250 Zacks industries, indicating a favorable outlook [8]