CZNC
Citizens & Northern Corp
NASDAQ: CZNC · FINANCIAL SERVICES · BANKS - REGIONAL
$22.08
-4.00% today
Updated 2026-04-30
Market cap
$416.23M
P/E ratio
15.92
P/S ratio
3.57x
EPS (TTM)
$1.46
Dividend yield
4.84%
52W range
$17 – $24
Volume
0.0M
Citizens & Northern Corp (CZNC) Financial statements
SEC filings — annual and quarterly data.
Profit margin
20.10%
Operating margin
34.50%
ROE
7.59%
ROA
0.82%
Debt/equity
—
Margin trends — annual
Gross margin Operating margin Profit margin
| Year | Revenue | Net income | Gross margin | Op. margin | Profit margin |
|---|---|---|---|---|---|
| 2006 | $44.80M | $11.99M | 29.81% | 32.94% | 26.75% |
| 2007 | $80.79M | $10.42M | 57.37% | 16.17% | 12.90% |
| 2008 | $87.12M | $10.06M | 63.32% | 14.21% | 11.55% |
| 2009 | $82.52M | $-39.34M | 69.54% | -75.12% | -47.67% |
| 2010 | $76.78M | $19.05M | 73.38% | 32.37% | 24.82% |
| 2011 | $77.29M | $23.37M | 82.83% | 41.51% | 30.23% |
| 2012 | $74.56M | $22.70M | 87.50% | 41.75% | 30.45% |
| 2013 | $66.06M | $18.59M | 88.17% | 37.51% | 28.15% |
| 2014 | $61.61M | $17.09M | 90.91% | 36.97% | 27.73% |
| 2015 | $61.87M | $16.47M | 91.20% | 35.25% | 26.62% |
| 2016 | $59.63M | $15.76M | 91.76% | 35.40% | 26.43% |
| 2017 | $60.99M | $13.43M | 92.27% | 33.76% | 22.03% |
| 2018 | $69.65M | $22.01M | 92.52% | 37.70% | 31.60% |
| 2019 | $82.97M | $19.50M | 86.58% | 28.21% | 23.51% |
| 2020 | $100.44M | $19.22M | 86.55% | 23.11% | 19.14% |
| 2021 | $108.95M | $30.55M | 90.62% | 34.59% | 28.04% |
| 2022 | $115.48M | $26.62M | 85.47% | 28.01% | 23.05% |
| 2023 | $136.24M | $24.15M | 75.56% | 22.37% | 17.72% |
| 2024 | $155.47M | $25.96M | 67.09% | 20.50% | 16.70% |
| 2025 | $154.19M | $23.43M | 65.34% | 18.58% | 15.19% |