Basis: Trailing twelve months (TTM net income over the latest quarterly balance sheet). Source: stored company filings and market data; unavailable inputs remain N/A.
Is the return on assets (ROA) high or low?
The return on assets (ROA) of 0.80% is 19% below its 5-year average of 0.99%, near the low end of its 5-year range (0.75%–1.31%).
8.05% below its 12-month average of 0.87%.
Reported quarterly return on assets; no daily interpolation. Q2 FY2026 (2026-06-30): 0.45%.
RETURN ON ASSETS (ROA)
0.80%
RETURN ON ASSETS (ROA) AVG TTM
0.87%
RETURN ON ASSETS (ROA) AVG 3Y
0.95%
RETURN ON ASSETS (ROA) AVG 5Y
0.99%
RETURN ON ASSETS (ROA) AVG 10Y
1.14%
RETURN ON ASSETS (ROA) AVG 15Y
1.27%
RETURN ON ASSETS (ROA) AVG 20Y
1.21%
CURRENT VS TTM AVG
-8.05%
CURRENT VS 3Y AVG
-15.34%
CURRENT VS 5Y AVG
-19.33%
CURRENT VS 10Y AVG
-29.66%
CURRENT VS 15Y AVG
-37.16%
CURRENT VS 20Y AVG
-33.72%
SECTOR MEDIAN · FINANCIAL SERVICES
1.22%
median of 640 covered companies
CURRENT VS SECTOR MEDIAN
-34.43%
vs the sector median at left
Citizens & Northern Corporation
Market Cap
$458.13M
Return on Assets (ROA)
0.80%
TTM Avg
0.87%
3Y Avg
0.95%
5Y Avg
0.99%
Market Cap
$455.32M
Return on Assets (ROA)
8.06%
TTM Avg
8.10%
3Y Avg
7.22%
5Y Avg
3.89%
Market Cap
$448.81M
Return on Assets (ROA)
N/A
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$447.64M
Return on Assets (ROA)
1.04%
TTM Avg
1.11%
3Y Avg
1.03%
5Y Avg
1.06%
Market Cap
$471.39M
Return on Assets (ROA)
3.06%
TTM Avg
0.67%
3Y Avg
0.45%
5Y Avg
0.45%
Market Cap
$472.59M
Return on Assets (ROA)
0.23%
TTM Avg
0.13%
3Y Avg
-2.26%
5Y Avg
-2.26%
Market Cap
$473.69M
Return on Assets (ROA)
1.71%
TTM Avg
0.10%
3Y Avg
0.10%
5Y Avg
0.10%
Market Cap
$443.00M
Return on Assets (ROA)
1.68%
TTM Avg
0.44%
3Y Avg
0.63%
5Y Avg
0.72%
Market Cap
$444.61M
Return on Assets (ROA)
0.76%
TTM Avg
0.93%
3Y Avg
0.96%
5Y Avg
0.74%
| NAME | MARKET CAP | RETURN ON ASSETS (ROA) | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Citizens & Northern Corporation (CZNC) | $458.13M | 0.80% | 0.87% | 0.95% | 0.99% |
| American Coastal Insurance Corporation (ACIC)vs › | $455.32M | 8.06% | 8.10% | 7.22% | 3.89% |
| Churchill Capital Corp. Xii (CXII)vs › | $448.81M | N/A | N/A | N/A | N/A |
| First Bank (FRBA)vs › | $447.64M | 1.04% | 1.11% | 1.03% | 1.06% |
| Cantor Equity Partners IV, Inc. Class A Ordinary Shares (CEPF)vs › | $471.39M | 3.06% | 0.67% | 0.45% | 0.45% |
| Gores Holdings X, Inc. (GTEN)vs › | $472.59M | 0.23% | 0.13% | -2.26% | -2.26% |
| Crane Harbor Acquisition Corp. II Class A Ordinary Shares (CRAN)vs › | $473.69M | 1.71% | 0.10% | 0.10% | 0.10% |
| Bank of Marin Bancorp (BMRC)vs › | $443.00M | 1.68% | 0.44% | 0.63% | 0.72% |
| Pioneer Bancorp, Inc. (PBFS)vs › | $444.61M | 0.76% | 0.93% | 0.96% | 0.74% |
| RBB Bancorp (RBB)vs › | $442.28M | 0.98% | 0.72% | 1.03% | 1.07% |
ROA
0.8%
ROE
7.3%
ROA = Net Income / Total Assets
Return on assets measures how efficiently a company generates profit from its total assets.
Expanded definitions: Investopedia, Wikipedia, Corporate Finance Institute
| DATE | RETURN ON ASSETS (ROA) |
|---|---|
| 2025-12-31 | 0.75% |
| 2024-12-31 | 0.99% |
| 2023-12-31 | 0.96% |
| 2022-12-31 | 1.08% |
| 2021-12-31 | 1.31% |
| 2020-12-31 | 0.86% |
| 2019-12-31 | 1.18% |
| 2018-12-31 | 1.71% |
| 2017-12-31 | 1.05% |
| 2016-12-31 | 1.27% |
| 2015-12-31 | 1.35% |
| 2014-12-31 | 1.38% |
| 2013-12-31 | 1.50% |
| 2012-12-31 | 1.76% |
| 2011-12-31 | 1.77% |
| 2010-12-31 | 1.45% |
| 2009-12-31 | -2.98% |
| 2008-12-31 | 0.78% |
| 2007-12-31 | 0.81% |
| 2006-12-31 | 1.06% |
| 2005-12-31 | 1.12% |
| 2004-12-31 | 1.32% |
| 2003-12-31 | 1.52% |
| 2002-12-31 | 1.47% |
| 2001-12-31 | 1.39% |
| 2000-12-31 | 1.18% |
| 1999-12-31 | 1.63% |
| 1998-12-31 | 1.71% |
| 1997-12-31 | 1.64% |
| 1996-12-31 | 1.52% |
