CITIZENS & NORTHERN CORP — Form 8-K
Filed July 23, 2026 · analyzed by the 8-K Agent
8-K
▲ Likely positive
significance 42/100
What the filing says
Citizens Northern Corp reported Q2 2026 net income of $14.1M ($0.79/share), up sharply from Q1's $273K, with NII of $29.6M and net recoveries of $403K. Six-month 2026 net income was $14.3M ($0.81/share) vs. $12.4M ($0.80/share) in H1 2025. Susquehanna acquisition (Oct 1, 2025) added $393.6M loans and $501.5M deposits; contributed $11.5M to year-to-date PPNR growth. Dividend declared: $0.28/share payable Aug 14, 2026.
Why this rating
Strong Q2 rebound and Susquehanna integration on track, but elevated Q1 charge-offs ($10M) and growing nonperforming assets (1.28% of assets) offset gains. Modest relative to $280M market cap.
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