Citizens & Northern annual return on equity
2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
Citizens & Northern Return on Equity (ROE) Growth & History (CZNC)
Citizens & Northern's return on equity was 7.59% for fiscal 2025.
View full Citizens & Northern company overviewCitizens & Northern annual return on equity history
| Fiscal year | Period ended | Return on equity | Change (percentage points) |
|---|---|---|---|
| 2025 | 2025-12-31 | 7.59% | −2.06 pp |
| 2024 | 2024-12-31 | 9.66% | +0.22 pp |
| 2023 | 2023-12-31 | 9.44% | −0.23 pp |
| 2022 | 2022-12-31 | 9.67% | −0.50 pp |
| 2021 | 2021-12-31 | 10.16% | +3.10 pp |
| 2020 | 2020-12-31 | 7.06% | −1.76 pp |
| 2019 | 2019-12-31 | 8.83% | −2.58 pp |
| 2018 | 2018-12-31 | 11.41% | +4.24 pp |
| 2017 | 2017-12-31 | 7.18% | −1.26 pp |
| 2016 | 2016-12-31 | 8.44% | −0.32 pp |
| 2015 | 2015-12-31 | 8.76% | −0.53 pp |
| 2014 | 2014-12-31 | 9.29% | −0.98 pp |
| 2013 | 2013-12-31 | 10.27% | −2.70 pp |
| 2012 | 2012-12-31 | 12.97% | −2.29 pp |
| 2011 | 2011-12-31 | 15.26% | +2.18 pp |
| 2010 | 2010-12-31 | 13.08% | — |
Citizens & Northern quarterly return on equity
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Q2.26
| Fiscal quarter | Period ended | Return on equity | Change (percentage points) |
|---|---|---|---|
| Q2 2026 | 2026-06-30 | 4.12% | +1.97 pp |
| Q1 2026 | 2026-03-31 | 0.08% | −2.18 pp |
| Q4 2025 | 2025-12-31 | 1.41% | −1.55 pp |
| Q3 2025 | 2025-09-30 | 2.26% | −0.10 pp |
| Q2 2025 | 2025-06-30 | 2.15% | −0.18 pp |
| Q1 2025 | 2025-03-31 | 2.26% | +0.23 pp |
| Q4 2024 | 2024-12-31 | 2.96% | +1.26 pp |
| Q3 2024 | 2024-09-30 | 2.36% | −0.75 pp |
| Q2 2024 | 2024-06-30 | 2.33% | −0.07 pp |
| Q1 2024 | 2024-03-31 | 2.03% | −0.45 pp |
| Q4 2023 | 2023-12-31 | 1.70% | −1.49 pp |
| Q3 2023 | 2023-09-30 | 3.11% | +1.32 pp |
| Q2 2023 | 2023-06-30 | 2.40% | −0.40 pp |
| Q1 2023 | 2023-03-31 | 2.48% | +0.09 pp |
| Q4 2022 | 2022-12-31 | 3.19% | +0.75 pp |
| Q3 2022 | 2022-09-30 | 1.79% | −0.66 pp |
| Q2 2022 | 2022-06-30 | 2.80% | +0.46 pp |
| Q1 2022 | 2022-03-31 | 2.39% | −0.54 pp |
| Q4 2021 | 2021-12-31 | 2.43% | +0.16 pp |
| Q3 2021 | 2021-09-30 | 2.45% | +1.42 pp |
| Q2 2021 | 2021-06-30 | 2.34% | +0.19 pp |
| Q1 2021 | 2021-03-31 | 2.93% | +1.25 pp |
| Q4 2020 | 2020-12-31 | 2.27% | +0.03 pp |
| Q3 2020 | 2020-09-30 | 1.03% | −1.17 pp |
| Q2 2020 | 2020-06-30 | 2.15% | +0.49 pp |
| Q1 2020 | 2020-03-31 | 1.68% | −0.87 pp |
| Q4 2019 | 2019-12-31 | 2.24% | −0.69 pp |
| Q3 2019 | 2019-09-30 | 2.20% | −0.75 pp |
| Q2 2019 | 2019-06-30 | 1.65% | −1.74 pp |
| Q1 2019 | 2019-03-31 | 2.55% | +0.21 pp |
| Q4 2018 | 2018-12-31 | 2.93% | +1.91 pp |
| Q3 2018 | 2018-09-30 | 2.95% | +0.88 pp |
| Q2 2018 | 2018-06-30 | 3.39% | +1.21 pp |
| Q1 2018 | 2018-03-31 | 2.33% | +0.49 pp |
| Q4 2017 | 2017-12-31 | 1.02% | −1.22 pp |
| Q3 2017 | 2017-09-30 | 2.07% | −0.08 pp |
| Q2 2017 | 2017-06-30 | 2.18% | +0.14 pp |
| Q1 2017 | 2017-03-31 | 1.84% | −0.06 pp |
| Q4 2016 | 2016-12-31 | 2.25% | +0.09 pp |
| Q3 2016 | 2016-09-30 | 2.14% | −0.10 pp |
| Q2 2016 | 2016-06-30 | 2.04% | −0.27 pp |
| Q1 2016 | 2016-03-31 | 1.90% | −0.12 pp |
| Q4 2015 | 2015-12-31 | 2.15% | −0.17 pp |
| Q3 2015 | 2015-09-30 | 2.25% | −0.02 pp |
| Q2 2015 | 2015-06-30 | 2.32% | +0.09 pp |
| Q1 2015 | 2015-03-31 | 2.02% | −0.33 pp |
| Q4 2014 | 2014-12-31 | 2.33% | −0.01 pp |
| Q3 2014 | 2014-09-30 | 2.27% | −0.33 pp |
| Q2 2014 | 2014-06-30 | 2.23% | −0.52 pp |
| Q1 2014 | 2014-03-31 | 2.35% | −0.22 pp |
| Q4 2013 | 2013-12-31 | 2.34% | −0.93 pp |
| Q3 2013 | 2013-09-30 | 2.60% | −0.48 pp |
| Q2 2013 | 2013-06-30 | 2.74% | −0.53 pp |
| Q1 2013 | 2013-03-31 | 2.57% | −0.72 pp |
| Q4 2012 | 2012-12-31 | 3.27% | −0.46 pp |
| Q3 2012 | 2012-09-30 | 3.08% | −0.72 pp |
| Q2 2012 | 2012-06-30 | 3.27% | −0.62 pp |
| Q1 2012 | 2012-03-31 | 3.30% | — |
| Q4 2011 | 2011-12-31 | 3.74% | — |
| Q3 2011 | 2011-09-30 | 3.80% | — |
| Q2 2011 | 2011-06-30 | 3.89% | — |
Citizens & Northern return on equity trends
Over the last five fiscal years, Citizens & Northern's return on equity increased from 7.06% to 7.59%, a change of +0.53 percentage points. The latest reported quarter, Q2 2026, shows 4.12%.
About the metric
What return on equity (ROE) means
Return on equity (ROE) measures how much net income a company generates relative to shareholders’ equity. It can help evaluate how efficiently equity capital is used, but unusually high or negative values may reflect leverage, losses, or a small equity base.
Calculation and source
How return on equity is calculated
TickerStat calculates ROE as SEC-reported net income divided by average stockholders’ equity at the beginning and end of the fiscal period. Periods with missing or non-positive average equity are omitted. Quarterly ROE uses quarterly net income and is not annualized. Fiscal periods can differ from calendar years, so exact period-end dates are included.
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