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24.88%Net Margin
VS
Market
88
Sector
62
Industry
49
History
28
$ 19.53Close
$ 18.07 - $ 22.36 52-Week Range
Ticker Information

Ticker

CZNC

Company Name

CITIZENS & NORTHERN CORP

Sector

Financial Services

Industry

Banks - Regional

Exchange

NASDAQ

CITIZENS & NORTHERN CORP - Net Margin Chart Analysis (TTM)

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CZNC - Net % Historical data
DateNet Income Common StockNet MarginRevenues
6/30/2025$ 26.95M24.88%$ 108.31M
3/31/2025$ 26.95M24.92%$ 108.11M
12/31/2024$ 25.96M24.46%$ 106.13M
9/30/2024$ 22.05M21.63%$ 101.9M
6/30/2024$ 23.27M22.55%$ 103.19M
3/31/2024$ 23.2M22.6%$ 102.64M
12/31/2023$ 24.15M23.08%$ 104.63M
9/30/2023$ 27.67M25.99%$ 106.45M
6/30/2023$ 24.53M24.09%$ 101.83M
3/31/2023$ 25.98M25.52%$ 101.79M
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Key Performance Insights, Last 5 Years

  • CITIZENS & NORTHERN CORP's latest trailing twelve months (TTM) Net % stands at 22.1%.
  • Over the past 5 years, CITIZENS & NORTHERN CORP's average Net % has been 25.23%.
  • The median Net % for CITIZENS & NORTHERN CORP during this period was 24.9%
  • CITIZENS & NORTHERN CORP reached its highest Net % over the past 5 years at 30.51%.
  • The lowest Net % recorded by CITIZENS & NORTHERN CORP in the same timeframe 21.63%

CITIZENS & NORTHERN CORP's Net % vs. competitors

We picked the following companies as peers based on multiple factors, including sector, industry, market capitalization and revenue

Net % Benchmarks
CompanyNet %
NECB : NORTHEAST COMMUNITY BANCORP INC 43.28%PCB : PCB BANCORP 30.15%OBT : ORANGE COUNTY BANCORP INC 28%RBB : RBB BANCORP 21.95%CBAN : COLONY BANKCORP INC 23.33%CZFS : CITIZENS FINANCIAL SERVICES INC 30.43%BCML : BAYCOM CORP 25.06%FMAO : FARMERS & MERCHANTS BANCORP INC 27.2%SFST : SOUTHERN FIRST BANCSHARES INC 21.24%FRST : PRIMIS FINANCIAL CORP 2.33%

Definition of Net Margin

[Calculation] A company’s Net Income [NetIncCmn] as a percentage of [Revenue]. Measures how much earnings a company produces for each dollar of revenue generated.
Net Inc. Cmn. / Revenues
(=) Net %
Net % for CITIZENS & NORTHERN CORP is calculated as follows: Net Inc. Cmn. [ $ 17.91M ] / Revenues [ $ 81.03M ]
(=) Net % [ 22.1% ]

CZNC - Net Margin, Last 5 years

21.63%

Minimum

Sep 30, 2024

30.51%

Maximum

Dec 31, 2021

25.23%

Average

24.9%

Median

Net % Benchmark Analysis

The chart above depicts the distribution of Net % for companies in the Total Stock Market. The average Net % of the companies is 4.81% with a standard deviation of 19.81%.
The following table provides additional summary stats:
Net % in the Market:
filtered constituents3.19K
min-63.83%
max69.74%
average4.81%
median5.26%
std19.81%