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Citizens & Northern CZNC Net margin

Net margin at other companies

Citizens Financial Services, Inc.CZFS

34%+6.2pp

CNB FinancialCCNE

26.5%+3.2pp

First Community CorporationFCCO

24.7%+2.5pp

Capital City Bank GroupCCBG

23.7%-0.1pp

West BancorporationWTBA

35.6%+4.5pp

Greene County BancorpGCBC

44.3%+4.4pp

Other financials

Income statement

Revenue$36.6M+35.8%

Net income$273.0K-95.7%

EPS (diluted)$0.02-95.1%

Balance sheet

Cash & equivalents$54.8M-52.2%

Total debt$13.6M+2,280%

Total equity$335.6M+19.1%

Total assets$3.2B+21.3%

Cash flow

Operating cash flow$8.7M+447%

CapEx$188.0K-65.3%

Free cash flow$8.5M+713%

Valuation

Market cap$402.23M+41.5%

Enterprise value$361.02M+112%

P/E23.1×+12.6×

P/S3×+0.4×

Profitability

FCF margin28.3%+3.5pp

Returns & leverage

Return on equity5.6%-4.3pp

Debt / equity0×0.0×

Where this comes from

Calculated from Citizens & Northern’s reported figures.

net income/total revenue=13.2%

Based on trailing twelve months.

The official record: Citizens & Northern’s 10-Q, filed May 8, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Citizens & Northern's net margin?: Citizens & Northern (CZNC) reported net margin of 13.2% in Q1 2026.
How has Citizens & Northern's net margin changed year-over-year?: Citizens & Northern's net margin decreased by 46.5% year-over-year, from 24.6% to 13.2%.
What is the long-term trend for Citizens & Northern's net margin?: Over 5 years (2020 to 2025), Citizens & Northern's net margin has grown at a -1.8% compound annual growth rate (CAGR), from 20.9% to 19.1%.
What does net margin mean?: Net income as a percentage of revenue (trailing twelve months). The bottom-line profitability measure after all costs, interest, and taxes.