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Citizens & NorthernCZNC -1.88%60 Pretax Margin % is 44.81% as of Jun. 2026, which is 43% above its 10-year median of 31.37. 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 1,526 Banks companies, Citizens & Northern ranks worse than 77.98% on this metric.
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
Citizens & Northern Pretax Margin % Related Terms
Citizens & Northern Pretax Margin % Historical Data
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The historical data trend for Citizens & Northern's Pretax 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.
CZNC vs PBFS, PLBC, FMAO: Pretax Margin % Comparison
For the Banks - Regional subindustry, Citizens & Northern's Pretax Margin %, along with its competitors' market caps and Pretax 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 Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Citizens & Northern's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Citizens & Northern's Pretax 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 Pretax Margin % of 44.81% as of Jun. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Citizens & Northern and its competitors. This is 43% above median its historical median of 31.37. Over the past decade, Citizens & Northern's Pretax Margin % has ranged from 22.21 to 40.39. According to the industry distribution chart, Citizens & Northern ranks #1190 out of 1526 companies in the Banks industry, placing it in the top 78%.
Is Citizens & Northern's Pretax Margin % too high?
Citizens & Northern's current Pretax Margin % of 44.81% is 43% above median its 10-year median of 31.37. Over the past 10 years, this metric has ranged from a low of 22.21 to a high of 40.39. The Banks industry median Pretax Margin % is 35.56. Citizens & Northern's value of 44.81% is 26% above this industry median. Based on the distribution chart, Citizens & Northern ranks #1190 out of 1526 companies in the Banks industry, which is in the bottom quartile relative to peers. 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 Pretax Margin % compare to PBFS and PLBC?
According to the Banks industry distribution chart, Citizens & Northern ranks #1190 out of 1526 companies for Pretax Margin %. This places Citizens & Northern in the lower half of its industry. The industry median Pretax Margin % is 35.56. Citizens & Northern's value of 44.81% is 26% above this benchmark. Historically, Citizens & Northern's own Pretax Margin % has ranged from 22.21 to 40.39 over the past decade. While the company's 10-year median is 31.37 vs. the industry median of 35.56, 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 Pretax Margin % for a Banks company?
The median Pretax Margin % among Banks companies is 35.56, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Citizens & Northern's current Pretax Margin % of 44.81% is 26% 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 Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Citizens & Northern and its competitors. For the Banks industry, the median Pretax Margin % is 35.56 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Citizens & Northern's current Pretax Margin % is 44.81%, which is 43% above median its own 10-year median of 31.37. 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 $25.58 — trading 18.1% above its estimated fair value. The current Pretax Margin % is 44.81%, which is 43% above median its 10-year median of 31.37 and 26% above the Banks industry median of 35.56. 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 Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For Citizens & Northern (CZNC), the current Pretax Margin % is 44.81% 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 $25.58 is trading 18.1% above its estimated GF Value™ of $21.66.
GuruFocus considers Citizens & Northern to be Modestly Overvalued.
Key valuation signals for CZNC:
Pretax Margin %: 44.81% (43% above median its 10-year median of 31.37)
GF Value™: $21.66 vs. price of $25.58 (18.1% above fair value)
Industry Position: 26% above the Banks median (#1190 of 1526)
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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