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Net margin at other companies

Citizens Financial Services, Inc. logo
Citizens Financial Services, Inc.CZFS
34.8%+4.7pp
CNB Financial logo
CNB FinancialCCNE
28.7%+5.6pp
Capital City Bank Group logo
Capital City Bank GroupCCBG
24%+0.2pp
First Community Corporation logo
First Community CorporationFCCO
25.9%+2.0pp
Northwest Bancshares logo
Northwest BancsharesNWBI
21.7%-2.2pp
Greene County Bancorp logo
Greene County BancorpGCBC
44.3%+3.0pp

Other financials

Income statement

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Revenue$39.4M+34.6%
Net income$14.1M+130%
EPS (diluted)$0.79+97.5%

Balance sheet

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Cash & equivalents$82.5M-17.1%
Total debt$14.6M+2,647%
Total equity$346.1M+20.9%
Total assets$3.2B+20.7%

Cash flow

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Operating cash flow$15.4M+81.2%
CapEx$150.0K-69.1%
Free cash flow$15.3M+90.3%

Valuation

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Market cap$455.01M+56.3%
Enterprise value$387.12M+102%
P/E18×+7.2×
P/S3.2×+0.6×

Profitability

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FCF margin31.4%+7.0pp

Returns & leverage

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Return on equity8%-1.8pp
Debt / equity0.0×

Where this comes from

Calculated from Citizens & Northern’s reported figures.

Based on trailing twelve months.

The source filing: Citizens & Northern’s 10-Q, filed August 7, 2026. Open the filing →

Filed
Aug 7, 2026, 11:52 AM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0001104659-26-092539

FAQ

What is Citizens & Northern's net margin?
Citizens & Northern (CZNC) reported net margin of 17.8% in Q2 2026.
How has Citizens & Northern's net margin changed year-over-year?
Citizens & Northern's net margin decreased by 26.4% year-over-year, from 24.2% to 17.8%.
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.

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