Citizens & Northern Corporation
CZNC
Rank in Stocks
#11974
Citizens & Northern Corporation operates as the holding company for Citizens &... Citizens & Northern Corporation operates as the holding company for Citizens & Northern Bank, which offers a comprehensive suite of banking and mortgage services to both individual and corporate clients. Its financial product lineup features a range of lending options, including commercial, residential, and consumer loans, alongside specialized instruments like commercial letters of credit. Deposit offerings encompass various checking accounts, traditional and statement savings accounts, money market accounts, interest-bearing checking, individual retirement accounts (IRAs), and certificates of deposit (CDs). The company also provides wealth management services, covering the administration of trusts and estates, retirement and other employee benefit plans, and investment management. Through registered agents, it distributes personal and commercial insurance products, mutual funds, annuities, and educational savings accounts. Additionally, the corporation engages in the reinsurance of credit, mortgage, life, accident, and health insurance products. As of December 31, 2021, the company operated 31 branch offices, with 23 located in Pennsylvania's Northern tier/Northcentral region, 2 in New York State's Southern tier, 4 in Southeastern Pennsylvania, and 2 in Southcentral Pennsylvania. An additional lending office is situated in Elmira, New York. Founded in 1864, the company is headquartered in Wellsboro, Pennsylvania.
Share Price
$28.44
Last synced: 2026-11-09
Market Cap
$510.51M
Change (1 day)
1.86%
Change (1 year)
46.52%
Country
Stock data: Financial Modeling PrepΒ·Updated Β·Not investment adviceΒ·How we calculate this
Trade Citizens & Northern Corporation (CZNC)
Category
Financial Services
Operating Margin for Citizens & Northern Corporation (CZNC)
Operating Margin as of November 2026 TTM: 14.69%
According to Citizens & Northern Corporation's latest financial reports, its current operating margin (TTM) is 14.69%. At the end of 2025 the company had an operating margin of 18.58%.
Operating Margin history for Citizens & Northern Corporation from 2000 to 2026
Operating Margin at the end of each year
| Year | Operating Margin | Change |
|---|---|---|
| 2026 (TTM) | 14.69% | -20.94% |
| 2025 | 18.58% | -9.37% |
| 2024 | 20.50% | -8.36% |
| 2023 | 22.37% | -20.14% |
| 2022 | 28.01% | -19.02% |
| 2021 | 34.59% | 49.68% |
| 2020 | 23.11% | -18.08% |
| 2019 | 28.21% | -25.17% |
| 2018 | 37.70% | 11.67% |
| 2017 | 33.76% | -4.63% |
| 2016 | 35.40% | 0.43% |
| 2015 | 35.25% | -4.65% |
| 2014 | 36.97% | -1.44% |
| 2013 | 37.51% | -10.16% |
| 2012 | 41.75% | 0.58% |
| 2011 | 41.51% | 28.24% |
| 2010 | 32.37% | -143.09% |
| 2009 | -75.12% | -628.64% |
| 2008 | 14.21% | -12.12% |
| 2007 | 16.17% | -50.91% |
| 2006 | 32.94% | 51.24% |
| 2005 | 21.78% | -16.74% |
| 2004 | 26.16% | -12.27% |
| 2003 | 29.82% | 6.58% |
| 2002 | 27.98% | 16.39% |
| 2001 | 24.04% | 35.51% |
| 2000 | 17.74% | 0.00% |
Operating Margin for similar companies or competitors
| Company | Operating Margin | Operating Margin Difference | Country |
|---|---|---|---|
| 54.30% | -96.30% |
CN
|
|
| 57.52% | -96.08% |
IT
|
|
| 21.82% | -98.51% |
IN
|
|
| 26.74% | -98.18% |
IN
|
|
| 20.55% | -98.60% |
JP
|
What is a company's Operating Margin?
The operating margin is a key indicator to assess the profitability of a company. Higher operating margins are generaly better as they show that a company is able to sell its products or services for much more than their production costs. The operating margin is calculated by dividing a company's earnings by its revenue.
Questions about Citizens & Northern Corporation's operating margin
What is Citizens & Northern Corporation's operating margin?
Citizens & Northern Corporation's operating margin is 14.69%, as of Nov 2026.
What was Citizens & Northern Corporation's operating margin in 2025?
In 2025, Citizens & Northern Corporation's operating margin was 18.58%, compared with 20.50% in 2024.
How has Citizens & Northern Corporation's operating margin changed since 2020?
From 2020 to 2025, Citizens & Northern Corporation's operating margin was highest in 2021 (34.59%) and lowest in 2025 (18.58%).
How does Citizens & Northern Corporation's operating margin compare with similar companies?
Citizens & Northern Corporation's operating margin (14.69%) is lower than that of all 5 similar companies listed above. The highest among them is UniCredit S.p.A., with 57.52%.