Citizens & Northern (CZNC) Retained Earnings (2009 - 2026)
Citizens & Northern's Retained Earnings was $186.79 million in Q3 2026, up 8.8% from $171.73 million a year earlier and up 6.4% from the prior quarter.
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Analysis
Citizens & Northern (CZNC) Retained Earnings (2009 - 2026) Analysis & Trends
At the end of FY2025, Retained Earnings at Citizens & Northern came in at $171.21 million, up 3.3% from FY2024.
- Retained Earnings has now increased for 15 consecutive years, with a five-year compound annual growth rate of 5.7% (FY2020 to FY2025).
- In earlier years, Retained Earnings was $165.78 million in FY2024 (+5.6%), $157.03 million in FY2023 (+3.5%), $151.74 million in FY2022 (+6.4%) and $142.61 million in FY2021 (+10.0%).
- The Q3 2026 figure marks the highest quarterly Retained Earnings in data going back to Q4 2010.
- Compared with a year earlier, Retained Earnings was higher in seven of the last eight quarters, with growth averaging 4.8%.
- The best year-over-year quarter for Retained Earnings over five years was Q4 2021 (growth of 10.0%); the worst was Q1 2026 (a decline of 0.8%).
- Per Business Quant data, CZNC's Retained Earnings in the three quarters before Q3 2026 was $175.52 million (Q2 2026), $166.48 million (Q1 2026) and $171.21 million (Q4 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Retained Earnings (Qtr) |
|---|---|---|---|---|---|
| 1 | Jpmorgan Chase | 909.02 Bn | 886.77 Bn | - | 455.59 Bn |
| 2 | Banco Santander Chile | 406.67 Bn | -7,110.43 Bn | - | 735.16 Mn |
| 3 | Bank Of America | 350.91 Bn | -2,025.20 Bn | - | 278.81 Bn |
| 4 | Hsbc Holdings | 308.71 Bn | -2,966.46 Bn | - | - |
| 5 | Morgan Stanley | 293.66 Bn | -249.15 Bn | - | 125.72 Bn |
| 6 | Royal Bank Of Canada | 283.56 Bn | -546.44 Bn | - | 73.85 Bn |
| 7 | Goldman Sachs | 262.71 Bn | -3,480.74 Bn | - | 177.98 Bn |
| 8 | Wells Fargo & Company | 257.44 Bn | 92.87 Bn | - | 241.40 Bn |
| 9 | Mitsubishi Ufj Financial | 256.82 Bn | -75.42 Bn | 10.89 Bn | 101.18 Bn |
| 10 | Citizens & Northern | 510.15 Mn | 222.62 Mn | - | 186.79 Mn |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Sep 30, 2026 | 186.79 Mn |
| Jun 30, 2026 | 175.52 Mn |
| Mar 31, 2026 | 166.48 Mn |
| Dec 31, 2025 | 171.21 Mn |
| Sep 30, 2025 | 171.73 Mn |
| Jun 30, 2025 | 169.52 Mn |
| Mar 31, 2025 | 167.74 Mn |
| Dec 31, 2024 | 165.78 Mn |
| Sep 30, 2024 | 161.92 Mn |
| Jun 30, 2024 | 159.86 Mn |
| Mar 31, 2024 | 158.05 Mn |
| Dec 31, 2023 | 157.03 Mn |
| Sep 30, 2023 | 157.04 Mn |
| Jun 30, 2023 | 153.73 Mn |
| Mar 31, 2023 | 151.99 Mn |
| Dec 31, 2022 | 151.74 Mn |
| Sep 30, 2022 | 148.30 Mn |
| Jun 30, 2022 | 148.19 Mn |
| Mar 31, 2022 | 145.07 Mn |
| Dec 31, 2021 | 142.61 Mn |
API Access
Citizens & Northern Retained Earnings API
Pull this series into your own models, spreadsheets and apps with the Business Quant
Historical Metrics API. The request below matches the chart above — change the
frequency, period or values and it follows. Swap YOUR_API_KEY for your own key.
https://data.businessquant.com/historic?slug=retained-earnings&ticker=CZNC&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "retained-earnings", "ticker": "CZNC", "period": "max", "api_key": "YOUR_API_KEY"}
data = requests.get(url, params=params).json()const res = await fetch("https://data.businessquant.com/historic?slug=retained-earnings&ticker=CZNC&period=max&api_key=YOUR_API_KEY");
const data = await res.json();