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Citizens & Northern CZNC Return on assets

Return on assets at other companies

Citizens Financial Services, Inc. logo
Citizens Financial Services, Inc.CZFS
1.3%+0.3pp
CNB Financial logo
CNB FinancialCCNE
1.1%+0.2pp
First Community Corporation logo
First Community CorporationFCCO
0.9%+0.2pp
Capital City Bank Group logo
Capital City Bank GroupCCBG
1.4%0.0pp
West Bancorporation logo
West BancorporationWTBA
0.9%+0.2pp
Greene County Bancorp logo
Greene County BancorpGCBC
1.3%+0.3pp

Other financials

Income statement

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Revenue$36.6M+35.8%
Net income$273.0K-95.7%
EPS (diluted)$0.02-95.1%

Balance sheet

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Cash & equivalents$54.8M-52.2%
Total debt$13.6M+2,280%
Total equity$335.6M+19.1%
Total assets$3.2B+21.3%

Cash flow

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Operating cash flow$8.7M+447%
CapEx$188.0K-65.3%
Free cash flow$8.5M+713%

Valuation

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Market cap$402.23M+41.5%
Enterprise value$361.02M+112%
P/E23.1×+12.6×
P/S+0.4×

Profitability

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Net margin13.2%-11.4pp
FCF margin28.3%+3.5pp

Returns & leverage

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Return on equity5.6%-4.3pp
Debt / equity0.0×

Where this comes from

Calculated from Citizens & Northern’s reported figures.

Based on trailing twelve months.

The official record: Citizens & Northern’s 10-Q, filed May 8, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Citizens & Northern's return on assets?
Citizens & Northern (CZNC) reported return on assets of 0.6% in Q1 2026.
How has Citizens & Northern's return on assets changed year-over-year?
Citizens & Northern's return on assets decreased by 42.6% year-over-year, from 1.1% to 0.6%.
What is the long-term trend for Citizens & Northern's return on assets?
Over 5 years (2020 to 2025), Citizens & Northern's return on assets has grown at a -3.7% compound annual growth rate (CAGR), from 1% to 0.8%.
What does return on assets mean?
Trailing-twelve-month net income divided by average total assets. Measures how efficiently the asset base generates profit, independent of how those assets are financed. Computed as net income over average total assets — note this is OpenCapital's standard definition and may differ from data vendors that use alternative numerators.