Citizens & Northern (CZNC) Return on Assets [ROA] (2011 - 2026)
Citizens & Northern's Return on Assets [ROA] came in at 0.80% for Q2 2026, down 0.23 percentage points from 1.03% a year earlier but up 0.25 percentage points from the prior quarter.
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Analysis
Citizens & Northern (CZNC) Return on Assets [ROA] (2011 - 2026) Analysis & Trends
For FY2025, Citizens & Northern's Return on Assets [ROA] was 0.82%, down 0.20 percentage points from FY2024.
- Return on Assets [ROA] carries a five-year change of -0.17 percentage points (FY2020 to FY2025).
- Going back by year, Return on Assets [ROA] was 1.01% in FY2024 (+0.04 pp), 0.97% in FY2023 (-0.14 pp), 1.11% in FY2022 (-0.22 pp) and 1.34% in FY2021 (+0.35 pp).
- The five-year range for quarterly Return on Assets [ROA] is 0.55% (Q1 2026) to 1.31% (Q4 2021).
- Year-over-year, Return on Assets [ROA] has declined for three consecutive quarters, with an average year-over-year change of -0.09 percentage points over the last eight quarters.
- The fastest year-over-year change in Return on Assets [ROA] over five years came in Q4 2021 (a gain of 0.47 percentage points), and the weakest in Q1 2026 (a drop of 0.48 percentage points).
- Business Quant data shows CZNC's Return on Assets [ROA] at 0.55% (Q1 2026), 0.81% (Q4 2025) and 1.03% (Q3 2025) in the three quarters before Q2 2026.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | ROA (Qtr) |
|---|---|---|---|---|---|
| 1 | Jpmorgan Chase | 886.05 Bn | 915.53 Bn | - | 1.31% |
| 2 | Banco Santander Chile | 409.93 Bn | 529.88 Bn | - | 2.83% |
| 3 | Bank Of America | 377.01 Bn | -1,999.06 Bn | - | 0.96% |
| 4 | Hsbc Holdings | 329.11 Bn | 329.16 Bn | - | - |
| 5 | Morgan Stanley | 295.54 Bn | -213.55 Bn | - | 1.25% |
| 6 | Royal Bank Of Canada | 273.59 Bn | 124.33 Bn | - | 0.93% |
| 7 | Mitsubishi Ufj Financial | 268.33 Bn | -1,320.16 Bn | 10.89 Bn | 0.53% |
| 8 | Goldman Sachs | 261.29 Bn | -3,295.82 Bn | - | 1.00% |
| 9 | Wells Fargo & Company | 243.13 Bn | 245.26 Bn | - | 1.02% |
| 10 | Citizens & Northern | 451.96 Mn | 140.08 Mn | - | 0.80% |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 0.80% |
| Mar 31, 2026 | 0.55% |
| Dec 31, 2025 | 0.81% |
| Sep 30, 2025 | 1.03% |
| Jun 30, 2025 | 1.03% |
| Mar 31, 2025 | 1.03% |
| Dec 31, 2024 | 0.98% |
| Sep 30, 2024 | 0.84% |
| Jun 30, 2024 | 0.91% |
| Mar 31, 2024 | 0.92% |
| Dec 31, 2023 | 0.97% |
| Sep 30, 2023 | 1.12% |
| Jun 30, 2023 | 1.00% |
| Mar 31, 2023 | 1.06% |
| Dec 31, 2022 | 1.10% |
| Sep 30, 2022 | 1.09% |
| Jun 30, 2022 | 1.23% |
| Mar 31, 2022 | 1.23% |
| Dec 31, 2021 | 1.31% |
| Sep 30, 2021 | 1.28% |
API Access
Citizens & Northern Return on Assets [ROA] 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=return-on-assets-%5Broa%5D&ticker=CZNC&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "return-on-assets-[roa]", "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=return-on-assets-%5Broa%5D&ticker=CZNC&period=max&api_key=YOUR_API_KEY");
const data = await res.json();