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CZNC (Citizens & Northern) Pretax Margin % : 36.57% (As of Dec. 2024)


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What is Citizens & Northern Pretax Margin %?

Pre-Tax margin is calculated as Pre-Tax Income divided by its Revenue. Citizens & Northern's Pre-Tax Income for the three months ended in Dec. 2024 was $10.1 Mil. Citizens & Northern's Revenue for the three months ended in Dec. 2024 was $27.7 Mil. Therefore, Citizens & Northern's pretax margin for the quarter that ended in Dec. 2024 was 36.57%.

The historical rank and industry rank for Citizens & Northern's Pretax Margin % or its related term are showing as below:

CZNC' s Pretax Margin % Range Over the Past 10 Years
Min: 25.55   Med: 34.14   Max: 40.39
Current: 29.92


CZNC's Pretax Margin % is ranked worse than
57.12% of 1565 companies
in the Banks industry
Industry Median: 32.73 vs CZNC: 29.92

Citizens & Northern Pretax Margin % Historical Data

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.

* Premium members only.

Citizens & Northern Pretax Margin % Chart

Citizens & Northern Annual Data
Trend Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
Pretax Margin %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 25.55 36.81 30.53 29.56 29.92

Citizens & Northern Quarterly Data
Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25
Pretax Margin % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 25.60 27.88 29.18 36.57 28.74

Competitive Comparison of Citizens & Northern's Pretax Margin %

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's Pretax Margin % Distribution in the 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.


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Citizens & Northern Pretax Margin % Calculation

Pretax margin - also known as pretax profit margin is the ratio of Pretax Income divided by net sales or Revenue, usually presented in percent.

Citizens & Northern's Pretax Margin for the fiscal year that ended in Dec. 2024 is calculated as

Pretax Margin=Pre-Tax Income (A: Dec. 2024 )/Revenue (A: Dec. 2024 )
=31.871/106.506
=29.92 %

Citizens & Northern's Pretax Margin for the quarter that ended in Dec. 2024 is calculated as

Pretax Margin=Pre-Tax Income (Q: Dec. 2024 )/Revenue (Q: Dec. 2024 )
=10.121/27.672
=36.57 %

* 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  (NAS:CZNC) Pretax Margin % Explanation

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

Thank you for viewing the detailed overview of Citizens & Northern's Pretax Margin % provided by GuruFocus.com. Please click on the following links to see related term pages.


Citizens & Northern Business Description

Traded in Other Exchanges
N/A
Address
90-92 Main Street, Wellsboro, PA, USA, 16901
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.
Executives
Frank G Pellegrino director 2050 POCO FARM ROAD, WILLIAMSPORT PA 17701
Katherine W Shattuck director 2548 LAKE ROAD, TOWANDA PA 18848
Stephen M Dorwart director 234 CEDAR ROAD, MULLICA HILL NJ 08062
Terry L Lehman director 5066 NORTH SHERMAN STREET, MOUNT WOLF PA 17347
Robert G Loughery director 1128 SLOTTER ROAD, PERKASIE PA 18944
Tracy Ellen Watkins officer: EXEC. VP 1972 NORTH WILLIAMSON ROAD, COVINGTON PA 16917-9516
Bobbi J Kilmer director 555 COUNTRY VIEW DRIVE, TOWANDA PA 18848
Glenn Richard James officer: EVP Counsel, Corp Secretary 90-92 MAIN ST, WELLSBORO PA 16901
Timothy E Schoener director 821 HAWTHORNE AVE, WILLIAMSPORT PA 17701
Kelley A Cwiklinski officer: EVP Chief Comm Lending Officer 90-92 MAIN ST, WELLSBORO PA 16901
Leo F Lambert director PO BOX 345, DUSHORE PA 18614
Helen S Santiago director 263 BRIDGE STREET HILL RD, TOWANDA PA 18848
Matthew L Bower officer: EVP, Chief Wealth Mgmt Officer 90-92 MAIN ST, WELLSBORO PA 16901
Susan E Hartley director 1293 HOFFMAN HOLLOW RD, LOWMAN NY 14861
Alexander Balagour officer: EVP- CHIEF INFORMATION OFFICER 45 TEAL DRIVE, LANGHORNE PA 19047