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Citizens & NorthernCZNC -0.92%60 OCF Margin % is 39.67% as of Jun. 2026, which is 22% above its 10-year median of 32.59. GuruFocus rates CZNC with a GF Score™ of 60/100 and a GF Value™ of $21.66 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,495 Banks companies, Citizens & Northern ranks better than 54.45% on this metric.
The historical data trend for Citizens & Northern's OCF Margin % can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Banks - Regional subindustry, Citizens & Northern's OCF Margin %, along with its competitors' market caps and OCF Margin % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Citizens & Northern OCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Citizens & Northern's OCF Margin % distribution charts can be found below:
* The bar in red indicates where Citizens & Northern's OCF Margin % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Citizens & Northern (CZNC) has a OCF Margin % of 39.67% as of Jun. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Citizens & Northern and its competitors. This is 22% above median its historical median of 32.59. Over the past decade, Citizens & Northern's OCF Margin % has ranged from 26.48 to 39.82. According to the industry distribution chart, Citizens & Northern ranks #681 out of 1495 companies in the Banks industry, placing it in the top 45.6%.
Is Citizens & Northern's OCF Margin % too high?
Citizens & Northern's current OCF Margin % of 39.67% is 22% above median its 10-year median of 32.59. Over the past 10 years, this metric has ranged from a low of 26.48 to a high of 39.82. The Banks industry median OCF Margin % is 30.43. Citizens & Northern's value of 39.67% is 30.4% above this industry median. Based on the distribution chart, Citizens & Northern ranks #681 out of 1495 companies in the Banks industry, which is above the industry midpoint. Overall, Citizens & Northern has a GF Score™ of 60/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Citizens & Northern's OCF Margin % compare to PBFS and PLBC?
According to the Banks industry distribution chart, Citizens & Northern ranks #681 out of 1495 companies for OCF Margin %. This puts Citizens & Northern in the upper half of its industry. The industry median OCF Margin % is 30.43. Citizens & Northern's value of 39.67% is 30.4% above this benchmark. Historically, Citizens & Northern's own OCF Margin % has ranged from 26.48 to 39.82 over the past decade. While the company's 10-year median is 32.59 vs. the industry median of 30.43, Citizens & Northern has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good OCF Margin % for a Banks company?
The median OCF Margin % among Banks companies is 30.43, based on 1,495 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Citizens & Northern's current OCF Margin % of 39.67% is 30.4% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Citizens & Northern and its competitors. For the Banks industry, the median OCF Margin % is 30.43 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Citizens & Northern's current OCF Margin % is 39.67%, which is 22% above median its own 10-year median of 32.59. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Citizens & Northern stock overvalued right now?
Based on GuruFocus' analysis, Citizens & Northern (CZNC) is currently considered Modestly Overvalued. The stock's GF Value™ is $21.66, compared to a current price of $25.35 — trading 17% above its estimated fair value. The current OCF Margin % is 39.67%, which is 22% above median its 10-year median of 32.59 and 30.4% above the Banks industry median of 30.43. Citizens & Northern's overall GF Score™ is 60/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For Citizens & Northern (CZNC), the current OCF Margin % is 39.67% as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Citizens & Northern (CZNC) Overvalued in 2026?
Based on GuruFocus' analysis, Citizens & Northern stock appears to be overvalued.
The current stock price of $25.35 is trading 17% above its estimated GF Value™ of $21.66.
GuruFocus considers Citizens & Northern to be Modestly Overvalued.
Key valuation signals for CZNC:
OCF Margin %: 39.67% (22% above median its 10-year median of 32.59)
GF Value™: $21.66 vs. price of $25.35 (17% above fair value)
Industry Position: 30.4% above the Banks median (#681 of 1495)
No single metric tells the full story. See the CZNC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Citizens & Northern Corp is a community bank operating through its subsidiaries. It provides banking services, including deposit and loan products for personal and commercial customers. The bank also maintains a trust division that provides a wide range of financial services, such as 401(k) plans, retirement planning, estate planning, estate settlements and asset management.
60GF Score
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