Skip to content
Screener

Citizens & Northern CZNC Return on equity

Return on equity at other companies

Citizens Financial Services, Inc. logo
Citizens Financial Services, Inc.CZFS
12.3%+1.8pp
CNB Financial logo
CNB FinancialCCNE
12.4%+3.5pp
Capital City Bank Group logo
Capital City Bank GroupCCBG
11.3%-0.5pp
First Community Corporation logo
First Community CorporationFCCO
12.1%+0.2pp
Northwest Bancshares logo
Northwest BancsharesNWBI
8.6%-0.4pp
Greene County Bancorp logo
Greene County BancorpGCBC
15.9%+1.9pp

Other financials

Income statement

See full
Revenue$39.4M+34.6%
Net income$14.1M+130%
EPS (diluted)$0.79+97.5%

Balance sheet

See full
Cash & equivalents$82.5M-17.1%
Total debt$14.6M+2,647%
Total equity$346.1M+20.9%
Total assets$3.2B+20.7%

Cash flow

See full
Operating cash flow$15.4M+81.2%
CapEx$150.0K-69.1%
Free cash flow$15.3M+90.3%

Valuation

See full
Market cap$455.01M+56.0%
Enterprise value$387.12M+101%
P/E18×+7.1×
P/S3.2×+0.6×

Profitability

See full
Net margin17.8%-6.4pp
FCF margin31.4%+7.0pp

Returns & leverage

See full
Debt / equity0.0×

Where this comes from

Calculated from Citizens & Northern’s reported figures.

Based on trailing twelve months.

The source filing: Citizens & Northern’s 10-Q, filed August 7, 2026. Open the filing →

Filed
Aug 7, 2026, 11:52 AM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0001104659-26-092539

FAQ

What is Citizens & Northern's return on equity?
Citizens & Northern (CZNC) reported return on equity of 8% in Q2 2026.
How has Citizens & Northern's return on equity changed year-over-year?
Citizens & Northern's return on equity decreased by 18.3% year-over-year, from 9.8% to 8%.
What is the long-term trend for Citizens & Northern's return on equity?
Over 5 years (2020 to 2025), Citizens & Northern's return on equity has grown at a 1.5% compound annual growth rate (CAGR), from 7.1% to 7.6%.
What does return on equity mean?
Trailing-twelve-month net income divided by average shareholders' equity (average of the start and end of the trailing-twelve-month window). Measures the profit generated on each dollar of shareholder capital.

Ask your AI about Citizens & Northern's return on equity.

Connect your AI assistant and compare it to peers, right in your chat.

Connect your AI
Harbor at dusk
Claude