Citizens & Northern (CZNC) Return on Equity [ROE] (2011 - 2026)
Citizens & Northern (CZNC) recorded Return on Equity [ROE] of 7.44% in Q2 2026, down 2.05 percentage points from 9.49% a year earlier but up 2.30 percentage points from the prior quarter.
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Analysis
Citizens & Northern (CZNC) Return on Equity [ROE] (2011 - 2026) Analysis & Trends
For FY2025, Citizens & Northern reported Return on Equity [ROE] of 7.59%, down 2.06 percentage points from FY2024.
- Annual Return on Equity [ROE] has a five-year change of +0.53 percentage points (FY2020 to FY2025).
- Across earlier years, Return on Equity [ROE] came in at 9.66% in FY2024 (+0.22 pp), 9.44% in FY2023 (-0.23 pp), 9.67% in FY2022 (-0.50 pp) and 10.16% in FY2021 (+3.10 pp).
- Quarterly Return on Equity [ROE] has ranged from 5.14% in Q1 2026 to 11.33% in Q3 2023 over the past five years.
- On a year-over-year basis, Return on Equity [ROE] has declined for three consecutive quarters, with an average year-over-year change of -1.17 percentage points over the last eight quarters.
- Peak year-over-year performance for Return on Equity [ROE] in the last five years was a gain of 3.72 percentage points in Q4 2021, against a drop of 4.53 percentage points in Q1 2026 at the low end.
- Per Business Quant, the preceding three quarters came in at 5.14% (Q1 2026), 7.37% (Q4 2025) and 9.35% (Q3 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | ROE (Qtr) |
|---|---|---|---|---|---|
| 1 | Jpmorgan Chase | 879.54 Bn | 909.01 Bn | - | 17.62% |
| 2 | Banco Santander Chile | 418.48 Bn | 538.42 Bn | - | - |
| 3 | Bank Of America | 381.92 Bn | -1,994.15 Bn | - | 11.19% |
| 4 | Hsbc Holdings | 341.10 Bn | 341.15 Bn | - | - |
| 5 | Morgan Stanley | 295.71 Bn | -213.38 Bn | - | 17.50% |
| 6 | Royal Bank Of Canada | 275.38 Bn | 126.13 Bn | - | 15.89% |
| 7 | Mitsubishi Ufj Financial | 273.79 Bn | -1,314.70 Bn | 10.89 Bn | 13.15% |
| 8 | Goldman Sachs | 262.78 Bn | -3,294.34 Bn | - | 17.08% |
| 9 | Wells Fargo & Company | 242.61 Bn | 244.75 Bn | - | 12.67% |
| 10 | Citizens & Northern | 448.91 Mn | 137.03 Mn | - | 7.44% |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 7.44% |
| Mar 31, 2026 | 5.14% |
| Dec 31, 2025 | 7.37% |
| Sep 30, 2025 | 9.35% |
| Jun 30, 2025 | 9.49% |
| Mar 31, 2025 | 9.67% |
| Dec 31, 2024 | 9.40% |
| Sep 30, 2024 | 8.16% |
| Jun 30, 2024 | 8.87% |
| Mar 31, 2024 | 8.85% |
| Dec 31, 2023 | 9.61% |
| Sep 30, 2023 | 11.33% |
| Jun 30, 2023 | 9.74% |
| Mar 31, 2023 | 10.29% |
| Dec 31, 2022 | 10.91% |
| Sep 30, 2022 | 10.51% |
| Jun 30, 2022 | 10.88% |
| Mar 31, 2022 | 9.92% |
| Dec 31, 2021 | 10.17% |
| Sep 30, 2021 | 9.95% |
API Access
Citizens & Northern Return on Equity [ROE] 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-equity-%5Broe%5D&ticker=CZNC&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "return-on-equity-[roe]", "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-equity-%5Broe%5D&ticker=CZNC&period=max&api_key=YOUR_API_KEY");
const data = await res.json();