Superworth

Citizens & Northern profit margin CZNC

Gross, operating and net profit as a share of revenue over the last twelve months, from 2011.

Net margin, 12 months
17.8%
Net margin on a year earlier
−6.4 pts
Peer median
31.4%

Over the twelve months to Jun 30, 2026, Citizens & Northern kept 17.8% of its revenue as net profit.

Five years earlier its net margin was 24.3%.

The median for 10 regional banks of a similar size is 31.4%.

Profit margin over time

Net

Open the interactive chart, with overlays and comparisons

Fiscal year by fiscal year

Fiscal yearNet margin
FY202519.1%
FY202424.0%
FY202323.0%
FY202224.7%
FY202129.4%
FY202020.9%
FY201926.4%
FY201833.2%
FY201723.0%
FY201627.6%
FY201528.3%
FY201429.8%
FY201330.3%
FY201234.1%
FY201136.6%

Quarter by quarter

QuarterEndedNet margin, 12 monthsChange on a year
Q2 FY2617.8%−6.4 pts
Q1 FY2613.2%−11.4 pts
Q4 FY2519.1%−4.9 pts
Q3 FY2523.8%+3.0 pts
Q2 FY2524.2%+1.9 pts
Q1 FY2524.6%+2.3 pts
Q4 FY2424.0%+0.9 pts
Q3 FY2420.9%−4.7 pts
Q2 FY2422.3%−0.4 pts
Q1 FY2422.3%−1.8 pts
Q4 FY2323.0%−1.7 pts
Q3 FY2325.6%+0.8 pts

Against its peers

Companies in Banks - Regional nearest Citizens & Northern's size, closest first, today.

CompanyProfit margin
CZNCCitizens & Northern17.8%
PDLBPonce Financial28.1%
FMAOFarmers & Merchants Bancorp30.7%
HBCPHome Bancorp30.4%
COFSChoiceone Financial Services31.9%
OBTOrange County Bancorp37.4%
WTBAWest Bancorporation37.1%
NRIMNorthrim Bancorp30.9%
NPBNorthpointe Bancshares34.9%
BWFGBankwell Financial35.2%
BSRRSierra Bancorp28.7%
Peer median31.4%

What the profit margin tells you

Profit as a share of revenue at three levels: gross (after making the product), operating (after running the business) and net (after everything, including tax and interest).

Compare within an industry. 10% is superb for a retailer and poor for a software company.

More on Citizens & Northern

Valuation data, not investment advice. Prices as of . Reported figures come from the company's filings with the SEC.