Citizens & Northern Corp (CZNC) FinancialsCZNCCitizens & Northern Corp

Evaluating the bottom line, Citizens & Northern Corp maintains a gross margin of N/A. This metric reflects the company's pricing power and manufacturing efficiency. Further down the income statement, the operating margin stands at 58.56%, while the net margin is 38.42%. These profitability ratios, combined with a Return on Equity (ROE) of 7.99%, provide a clear picture of how effectively CZNC converts its operational activities into shareholder value.

In the context of the broader market, CZNC competes directly with industry leaders such as CBAN and CBK. With a market capitalization of $465.95M, it holds a significant position in the sector. When comparing efficiency, CZNC's gross margin of N/A stands against CBAN's N/A and CBK's N/A. Such benchmarking helps identify whether Citizens & Northern Corp is trading at a premium or discount relative to its financial performance.

The company has shown robust financial performance, with total revenue increasing from $25.79 million in Q1 2025 to $36.59 million in Q2 2026, and net income reaching $14.06 million in Q2 2026, indicating a strong recovery and growth trajectory.