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Citizens & Northern CZNC Return on equity

Return on equity at other companies

Citizens Financial Services, Inc. logo
Citizens Financial Services, Inc.CZFS
12.1%+2.4pp
CNB Financial logo
CNB FinancialCCNE
10.8%+1.9pp
First Community Corporation logo
First Community CorporationFCCO
11.2%+0.3pp
Capital City Bank Group logo
Capital City Bank GroupCCBG
11.3%-0.6pp
West Bancorporation logo
West BancorporationWTBA
13.9%+2.6pp
Greene County Bancorp logo
Greene County BancorpGCBC
15.7%+2.4pp

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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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 equity?
Citizens & Northern (CZNC) reported return on equity of 5.6% in Q1 2026.
How has Citizens & Northern's return on equity changed year-over-year?
Citizens & Northern's return on equity decreased by 43.1% year-over-year, from 9.9% to 5.6%.
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.