Citizens & Northern (CZNC) Return on Invested Capital [ROIC] (2014 - 2026)
Citizens & Northern (CZNC) posted Return on Invested Capital [ROIC] of 13.21% for Q2 2026, down 2.15 percentage points from 15.36% a year earlier but up 1.68 percentage points from the prior quarter.
Powered by 
Analysis
Citizens & Northern (CZNC) Return on Invested Capital [ROIC] (2014 - 2026) Analysis & Trends
For FY2025, Citizens & Northern's Return on Invested Capital [ROIC] came in at 13.30%, down 1.70 percentage points from FY2024.
- Annual Return on Invested Capital [ROIC] shows a five-year change of +6.13 percentage points (FY2020 to FY2025).
- In prior years, Citizens & Northern's Return on Invested Capital [ROIC] was 15.00% in FY2024 (+2.81 pp), 12.19% in FY2023 (+2.73 pp), 9.47% in FY2022 (-0.63 pp) and 10.10% in FY2021 (+2.92 pp).
- Quarterly Return on Invested Capital [ROIC] has run from a low of 8.82% in Q1 2023 to a high of 15.36% in Q2 2025 over five years.
- On a year-over-year basis, Return on Invested Capital [ROIC] has declined in each of the last three quarters, with an average year-over-year change of +0.53 percentage points over the last eight quarters.
- The strongest year-over-year quarter for Return on Invested Capital [ROIC] in the past five years was Q4 2021, with a gain of 3.94 percentage points; the weakest was Q1 2026, with a drop of 3.73 percentage points.
- According to Business Quant data, Return on Invested Capital [ROIC] for the three prior quarters was 11.53% (Q1 2026), 13.52% (Q4 2025) and 15.27% (Q3 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | ROIC (Qtr) |
|---|---|---|---|---|---|
| 1 | Jpmorgan Chase | 883.45 Bn | 912.92 Bn | - | 32.13% |
| 2 | Banco Santander Chile | 401.52 Bn | 521.46 Bn | - | - |
| 3 | Bank Of America | 377.43 Bn | -1,998.64 Bn | - | 25.16% |
| 4 | Hsbc Holdings | 330.31 Bn | 330.37 Bn | - | - |
| 5 | Morgan Stanley | 299.17 Bn | -209.92 Bn | - | 42.00% |
| 6 | Royal Bank Of Canada | 274.08 Bn | 124.82 Bn | - | 11.34% |
| 7 | Mitsubishi Ufj Financial | 270.70 Bn | -1,317.79 Bn | 10.89 Bn | 6.24% |
| 8 | Goldman Sachs | 263.13 Bn | -3,293.98 Bn | - | 14.05% |
| 9 | Wells Fargo & Company | 243.64 Bn | 245.78 Bn | - | 27.68% |
| 10 | Citizens & Northern | 459.86 Mn | 147.98 Mn | - | 13.21% |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 13.21% |
| Mar 31, 2026 | 11.53% |
| Dec 31, 2025 | 13.52% |
| Sep 30, 2025 | 15.27% |
| Jun 30, 2025 | 15.36% |
| Mar 31, 2025 | 15.26% |
| Dec 31, 2024 | 14.52% |
| Sep 30, 2024 | 12.76% |
| Jun 30, 2024 | 12.46% |
| Mar 31, 2024 | 12.11% |
| Dec 31, 2023 | 12.24% |
| Sep 30, 2023 | 12.45% |
| Jun 30, 2023 | 9.59% |
| Mar 31, 2023 | 8.82% |
| Dec 31, 2022 | 10.01% |
| Sep 30, 2022 | 9.47% |
| Jun 30, 2022 | 9.82% |
| Mar 31, 2022 | 10.44% |
| Dec 31, 2021 | 10.61% |
| Sep 30, 2021 | 10.37% |
API Access
Citizens & Northern Return on Invested Capital [ROIC] 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-invested-capital-%5Broic%5D&ticker=CZNC&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "return-on-invested-capital-[roic]", "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-invested-capital-%5Broic%5D&ticker=CZNC&period=max&api_key=YOUR_API_KEY");
const data = await res.json();