---
title: "Citizens & North (CZNC.US) — Financial Reports"
type: "Symbol"
locale: "en"
url: "https://longbridge.com/en/quote/CZNC.US/norm.md"
symbol: "CZNC.US"
name: "Citizens & North"
parent: "https://longbridge.com/en/quote/CZNC.US.md"
datetime: "2026-03-05T09:38:10.821Z"
locales:
  - [en](https://longbridge.com/en/quote/CZNC.US/norm.md)
  - [zh-CN](https://longbridge.com/zh-CN/quote/CZNC.US/norm.md)
  - [zh-HK](https://longbridge.com/zh-HK/quote/CZNC.US/norm.md)
---

> Supported Languages: [简体中文](https://longbridge.com/zh-CN/quote/CZNC.US/norm.md) | [繁體中文](https://longbridge.com/zh-HK/quote/CZNC.US/norm.md)


# Citizens & North (CZNC.US) — Financial Reports

## Income Statement (USD)

| Indicator | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 |
| --- | --- | --- | --- | --- | --- |
| EPS | 0.2500 | 0.4220 | 0.3951 | 0.4069 | 0.5298 |
| ROE | 5.58% | 8.96% | 8.54% | 8.96% | 11.73% |
| Revenue | 35.55M | 27.40M | 26.93M | 26.75M | 28.55M |
| Net income | 4.44M | 6.50M | 6.07M | 6.24M | 8.10M |
| NIM | 3.84% | 3.62% | 3.52% | 3.38% | - |
| Structure | 28.47M | 22.26M | 21.14M | 19.98M | 20.47M |
| Provision | 36.87M | 29.57M | 29.28M | 26.98M | 28.02M |

## Balance Sheet (USD)

| Indicator | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 |
| --- | --- | --- | --- | --- | --- |
| A&L | 3.13B | 2.66B | 2.61B | 2.61B | 2.61B |
| Leverage | 9.17 | 9.06 | 9.12 | 9.26 | 9.48 |
| BVPS | 19.17 | 18.93 | 18.46 | 18.20 | 17.84 |
| Turnover | - | - | - | - | - |
| Dpt & ln | 2.56B | 2.17B | 2.11B | 2.10B | 2.09B |
| NPL | 32.92M | 26.79M | 25.28M | 24.13M | 23.96M |
| Capital ratio | 12.18% | 13.50% | 13.55% | 13.64% | 13.56% |
| Coverage | 94.30% | 87.63% | 85.85% | 83.60% | 83.61% |

## Cash Flow Statement (USD)

| Indicator | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 |
| --- | --- | --- | --- | --- | --- |
| Operating CF | - | 11.33M | 8.51M | 1.58M | 12.07M |
| Investing CF | - | -29.11M | -16.54M | -4.17M | -5.92M |
| Financing CF | - | 42.01M | -6.84M | -8.85M | -63.94M |
| Free CF | - | - | - | - | - |

## Distribution Plan

**Dividend Yield**: 4.90

### Dividend History

| Description | Record Date | Ex-Date | Payment Date |
|-------------|-------------|---------|--------------|
| Cash Dividend: 
0.28USD | 2026-02-02 | 2026-02-02 | 2026-02-13 |
| Cash Dividend: 
0.28USD | 2025-11-03 | 2025-11-03 | 2025-11-14 |
| Cash Dividend: 
0.28USD | 2025-08-04 | 2025-08-04 | 2025-08-15 |