Bank of Marin Bancorp (BMRC) vs Citizens & Northern Corporation (CZNC)
A side-by-side comparison of Bank of Marin Bancorp and Citizens & Northern Corporation across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of October 6, 2026. Differences are shown without an overall score or investment verdict.
Total return — BMRC vs CZNC
growth of $100 · dividends reinvested · last 10yBMRC vs CZNC: by the numbers
- •CZNC is the larger company ($457M vs $444M market cap).
- •BMRC trades at the lower trailing earnings multiple (6.74 vs 17.28 P/E), one valuation lens rather than an overall verdict.
- •BMRC converts more revenue to profit (32.28% vs 15.42% net margin).
- •BMRC grew revenue faster over the past five years (13.73% vs 8.12% CAGR).
- •CZNC pays the higher dividend yield (4.39% vs 3.65%).
Metrics side by side
Valuation
| Metric | BMRC | CZNC |
|---|---|---|
| P/E ratio | 6.74 | 17.28 |
| Forward P/E | 12.02 | 11.75 |
| PEG ratio | 1.60 | 6.89 |
| P/S ratio | 2.21 | 2.78 |
| P/B ratio | 1.12 | 1.32 |
Profitability
| Metric | BMRC | CZNC |
|---|---|---|
| Operating margin | 29.21% | 18.58% |
| Net margin | 32.28% | 15.42% |
| ROE | 16.34% | 7.32% |
Bank of Marin Bancorp: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
Citizens & Northern Corporation: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
Dividends
| Metric | BMRC | CZNC |
|---|---|---|
| Dividend yield | 3.65% | 4.39% |
| Payout ratio | 24.57% | 75.91% |
Growth (annualized)
| Metric | BMRC | CZNC |
|---|---|---|
| Revenue CAGR (5Y) | 13.73% | 8.12% |
| EPS CAGR (5Y) | 4.11% | 2.35% |
| Total return CAGR (5Y) | -2.35% | 5.00% |
Frequently asked
- Which has the lower trailing P/E, BMRC or CZNC?
- BMRC has the lower trailing P/E: BMRC trades at 6.74 and CZNC at 17.28. P/E is one valuation measure and does not by itself establish which business is cheaper.
- Which has grown faster, BMRC or CZNC?
- Over the past five years, BMRC grew revenue faster — BMRC at a 13.73% CAGR versus CZNC at 8.12%.
- Does BMRC or CZNC pay a bigger dividend?
- BMRC yields 3.65% and CZNC yields 4.39% based on trailing dividends and the latest price.
- Is BMRC or CZNC more profitable?
- BMRC runs the higher net margin — BMRC at 32.28% versus CZNC at 15.42%.
- How have BMRC and CZNC total returns compared?
- Over the past 10 years, BMRC delivered 4.09% and CZNC delivered 6.80% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
Bank of Marin Bancorp & Citizens & Northern appear in these rankings
Figures are sourced from reported fundamentals and the latest end-of-day price. This comparison is informational only and is not investment advice. Past performance does not predict future results. See our methodology. Compiled by TGMCharts Research · data verified October 6, 2026.