Citizens & Northern (CZNC) Net Margin (2009 - 2026)
Citizens & Northern (CZNC) recorded Net Margin of 35.66% in Q2 2026, up 14.94 percentage points from 20.72% a year earlier and up 34.92 percentage points from the prior quarter.
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Analysis
Citizens & Northern (CZNC) Net Margin (2009 - 2026) Analysis & Trends
On a TTM basis, Citizens & Northern's Net Margin came in at 17.75% as of Jun 30, 2026, down 6.20 percentage points year-over-year; for FY2025, it came in at 19.09%, down 4.68 percentage points from FY2024.
- Annual Net Margin has a five-year change of -1.66 percentage points (FY2020 to FY2025).
- Across earlier years, Net Margin came in at 23.77% in FY2024 (+0.91 pp), 22.86% in FY2023 (-1.67 pp), 24.53% in FY2022 (-4.67 pp) and 29.20% in FY2021 (+8.45 pp).
- The Q2 2026 figure is the highest quarterly Net Margin since Q2 2018.
- On a year-over-year basis, Net Margin rose in three of the last eight quarters, with an average year-over-year change of -2.22 percentage points.
- Peak year-over-year performance for Net Margin in the last five years was a gain of 17.62 percentage points in Q3 2021, against a drop of 22.39 percentage points in Q1 2026 at the low end.
- Per Business Quant, the preceding three quarters came in at 0.74% (Q1 2026), 12.11% (Q4 2025) and 21.98% (Q3 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Net Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Jpmorgan Chase | 909.02 Bn | 886.77 Bn | - | 29.77% |
| 2 | Banco Santander Chile | 406.67 Bn | -7,110.43 Bn | - | - |
| 3 | Bank Of America | 350.91 Bn | -2,025.20 Bn | - | 21.83% |
| 4 | Hsbc Holdings | 308.71 Bn | -2,966.46 Bn | - | 38.08% |
| 5 | Morgan Stanley | 293.66 Bn | -249.15 Bn | - | 23.36% |
| 6 | Royal Bank Of Canada | 283.56 Bn | -546.44 Bn | - | 32.48% |
| 7 | Goldman Sachs | 262.71 Bn | -3,480.74 Bn | - | 27.42% |
| 8 | Wells Fargo & Company | 257.44 Bn | 92.87 Bn | - | 26.08% |
| 9 | Mitsubishi Ufj Financial | 256.82 Bn | -75.42 Bn | 10.89 Bn | 246.71% |
| 10 | Citizens & Northern | 510.15 Mn | 222.62 Mn | - | 41.17% |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Sep 30, 2026 | 41.17% |
| Jun 30, 2026 | 35.66% |
| Mar 31, 2026 | 0.74% |
| Dec 31, 2025 | 12.11% |
| Sep 30, 2025 | 21.98% |
| Jun 30, 2025 | 20.72% |
| Mar 31, 2025 | 23.13% |
| Dec 31, 2024 | 28.92% |
| Sep 30, 2024 | 23.13% |
| Jun 30, 2024 | 22.22% |
| Mar 31, 2024 | 20.48% |
| Dec 31, 2023 | 16.74% |
| Sep 30, 2023 | 28.81% |
| Jun 30, 2023 | 22.21% |
| Mar 31, 2023 | 23.49% |
| Dec 31, 2022 | 27.15% |
| Sep 30, 2022 | 16.63% |
| Jun 30, 2022 | 28.04% |
| Mar 31, 2022 | 26.13% |
| Dec 31, 2021 | 27.77% |
API Access
Citizens & Northern Net 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=net-margin&ticker=CZNC&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "net-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=net-margin&ticker=CZNC&period=max&api_key=YOUR_API_KEY");
const data = await res.json();