Citizens & North

Q3 FY2026 EarningsQ3 FY26 delivered a significant beat on both top and bottom lines: revenue of $39.56M exceeded the $37.20M consensus, while Diluted EPS of $0.92 outperformed the $0.68 estimate by 35.3%. Results were driven by robust Net Interest Margin (NIM) of 4.13%, surpassing the 4.04% expectation, and a $3.17M credit for credit losses due to refined qualitative factor adjustments. While Book Value per Share of $19.13 slightly missed the $19.72 consensus due to unrealized losses on the investment portfolio, the successful integration of the Susquehanna acquisition continues to fuel volume growth across interest and non-interest income streams.