Citizens & Northern (CZNC) EBT Margin (2009 - 2026)
Citizens & Northern (CZNC) reported EBT Margin of 44.21% for Q2 2026, up 18.49 percentage points from 25.72% a year earlier and up 43.29 percentage points from the prior quarter.
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Analysis
Citizens & Northern (CZNC) EBT Margin (2009 - 2026) Analysis & Trends
Over the twelve months ended Jun 30, 2026, Citizens & Northern's EBT Margin came in at 21.87%, down 7.86 percentage points year-over-year; for FY2025, it came in at 23.34%, down 6.08 percentage points from FY2024.
- EBT Margin has a five-year change of -1.87 percentage points (FY2020 to FY2025).
- By year, EBT Margin came in at 29.42% in FY2024 (+0.34 pp), 29.08% in FY2023 (-0.99 pp), 30.08% in FY2022 (-6.22 pp) and 36.30% in FY2021 (+11.09 pp).
- The Q2 2026 figure ranks as the highest quarterly EBT Margin since Q2 2018.
- Year over year, EBT Margin gained in three of the last eight quarters, with an average year-over-year change of -3.15 percentage points.
- The high point for year-over-year EBT Margin in five years was Q3 2021 (a gain of 22.19 percentage points); the low point was Q1 2026 (a drop of 27.64 percentage points).
- Per Business Quant data, the three quarters before Q2 2026 came in at 0.91% (Q1 2026), 14.62% (Q4 2025) and 27.11% (Q3 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | EBT Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Jpmorgan Chase | 909.02 Bn | 886.77 Bn | - | 40.13% |
| 2 | Banco Santander Chile | 406.67 Bn | -7,110.43 Bn | - | - |
| 3 | Bank Of America | 350.91 Bn | -2,025.20 Bn | - | 29.93% |
| 4 | Hsbc Holdings | 308.71 Bn | -2,966.46 Bn | - | 51.73% |
| 5 | Morgan Stanley | 293.66 Bn | -249.15 Bn | - | 31.85% |
| 6 | Royal Bank Of Canada | 283.56 Bn | -546.44 Bn | - | 41.80% |
| 7 | Goldman Sachs | 262.71 Bn | -3,480.74 Bn | - | 37.49% |
| 8 | Wells Fargo & Company | 257.44 Bn | 92.87 Bn | - | 32.46% |
| 9 | Mitsubishi Ufj Financial | 256.82 Bn | -75.42 Bn | 10.89 Bn | 70.61% |
| 10 | Citizens & Northern | 510.15 Mn | 222.62 Mn | - | 51.58% |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Sep 30, 2026 | 51.58% |
| Jun 30, 2026 | 44.21% |
| Mar 31, 2026 | 0.91% |
| Dec 31, 2025 | 14.62% |
| Sep 30, 2025 | 27.11% |
| Jun 30, 2025 | 25.72% |
| Mar 31, 2025 | 28.55% |
| Dec 31, 2024 | 36.12% |
| Sep 30, 2024 | 28.63% |
| Jun 30, 2024 | 27.40% |
| Mar 31, 2024 | 25.11% |
| Dec 31, 2023 | 23.43% |
| Sep 30, 2023 | 36.09% |
| Jun 30, 2023 | 27.64% |
| Mar 31, 2023 | 29.03% |
| Dec 31, 2022 | 33.63% |
| Sep 30, 2022 | 20.01% |
| Jun 30, 2022 | 34.43% |
| Mar 31, 2022 | 32.03% |
| Dec 31, 2021 | 34.38% |
API Access
Citizens & Northern EBT Margin API
Pull this series into your own models, spreadsheets and apps with the Business Quant
Historical Metrics API. The request below matches the chart above — change the
frequency, period or values and it follows. Swap YOUR_API_KEY for your own key.
https://data.businessquant.com/historic?slug=ebt-margin&ticker=CZNC&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "ebt-margin", "ticker": "CZNC", "period": "max", "api_key": "YOUR_API_KEY"}
data = requests.get(url, params=params).json()const res = await fetch("https://data.businessquant.com/historic?slug=ebt-margin&ticker=CZNC&period=max&api_key=YOUR_API_KEY");
const data = await res.json();