Basis: Trailing twelve months (TTM), to the latest fiscal quarter end. Source: stored company filings and market data; unavailable inputs remain N/A.
Is the return on equity (ROE) high or low?
The return on equity (ROE) of 7.32% is 23% below its 5-year average of 9.50%, around the middle of its 5-year range (5.19%–11.52%).
As of the fiscal period ended Tuesday, June 30, 2026. 3.69% below its 12-month average of 7.60%.
Trailing-twelve-month return on equity at each fiscal quarter end; no daily interpolation. Q2 FY2026 (2026-06-30): 7.32%.
RETURN ON EQUITY (ROE)
7.32%
RETURN ON EQUITY (ROE) AVG TTM
7.60%
RETURN ON EQUITY (ROE) AVG 3Y
9.01%
RETURN ON EQUITY (ROE) AVG 5Y
9.50%
RETURN ON EQUITY (ROE) AVG 10Y
8.80%
RETURN ON EQUITY (ROE) AVG 15Y
9.52%
RETURN ON EQUITY (ROE) AVG 20Y
9.49%
CURRENT VS TTM AVG
-3.69%
CURRENT VS 3Y AVG
-18.70%
CURRENT VS 5Y AVG
-22.93%
CURRENT VS 10Y AVG
-16.82%
CURRENT VS 15Y AVG
-23.08%
CURRENT VS 20Y AVG
-22.87%
SECTOR MEDIAN · FINANCIAL SERVICES
8.68%
median of 610 covered companies
CURRENT VS SECTOR MEDIAN
-15.59%
vs the sector median at left
Citizens & Northern Corporation
Market Cap
$458.13M
Return on Equity (ROE)
7.32%
TTM Avg
7.60%
3Y Avg
9.01%
5Y Avg
9.50%
Market Cap
$455.32M
Return on Equity (ROE)
29.40%
TTM Avg
32.89%
3Y Avg
127.54%
5Y Avg
77.88%
Market Cap
$448.81M
Return on Equity (ROE)
N/A
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$447.64M
Return on Equity (ROE)
9.39%
TTM Avg
10.08%
3Y Avg
9.58%
5Y Avg
9.96%
Market Cap
$471.39M
Return on Equity (ROE)
3.06%
TTM Avg
0.67%
3Y Avg
0.45%
5Y Avg
0.45%
Market Cap
$444.61M
Return on Equity (ROE)
5.13%
TTM Avg
6.19%
3Y Avg
6.44%
5Y Avg
5.07%
Market Cap
$472.59M
Return on Equity (ROE)
N/A
TTM Avg
0.14%
3Y Avg
54.26%
5Y Avg
54.26%
Market Cap
$443.00M
Return on Equity (ROE)
16.34%
TTM Avg
4.54%
3Y Avg
6.23%
5Y Avg
6.79%
Market Cap
$473.69M
Return on Equity (ROE)
1.78%
TTM Avg
0.10%
3Y Avg
0.10%
5Y Avg
0.10%
| NAME | MARKET CAP | RETURN ON EQUITY (ROE) | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Citizens & Northern Corporation (CZNC) | $458.13M | 7.32% | 7.60% | 9.01% | 9.50% |
| American Coastal Insurance Corporation (ACIC)vs › | $455.32M | 29.40% | 32.89% | 127.54% | 77.88% |
| Churchill Capital Corp. Xii (CXII)vs › | $448.81M | N/A | N/A | N/A | N/A |
| First Bank (FRBA)vs › | $447.64M | 9.39% | 10.08% | 9.58% | 9.96% |
| Cantor Equity Partners IV, Inc. Class A Ordinary Shares (CEPF)vs › | $471.39M | 3.06% | 0.67% | 0.45% | 0.45% |
| Pioneer Bancorp, Inc. (PBFS)vs › | $444.61M | 5.13% | 6.19% | 6.44% | 5.07% |
| Gores Holdings X, Inc. (GTEN)vs › | $472.59M | N/A | 0.14% | 54.26% | 54.26% |
| Bank of Marin Bancorp (BMRC)vs › | $443.00M | 16.34% | 4.54% | 6.23% | 6.79% |
| Crane Harbor Acquisition Corp. II Class A Ordinary Shares (CRAN)vs › | $473.69M | 1.78% | 0.10% | 0.10% | 0.10% |
| RBB Bancorp (RBB)vs › | $442.28M | 7.80% | 5.67% | 8.23% | 8.81% |
ROE
7.3%
ROA
0.8%
ROE = Net Income / Total Shareholders' Equity
Return on equity measures how efficiently a company generates profit from shareholders' equity. Higher ROE indicates better capital efficiency.
Expanded definitions: Investopedia, Wikipedia, Corporate Finance Institute
| DATE | RETURN ON EQUITY (ROE) |
|---|---|
| 2026-06-30 | 7.32% |
| 2026-03-31 | 5.19% |
| 2025-12-31 | 6.86% |
| 2025-09-30 | 9.23% |
| 2025-06-30 | 9.41% |
| 2025-03-31 | 9.56% |
| 2024-12-31 | 9.43% |
| 2024-09-30 | 7.95% |
| 2024-06-30 | 8.84% |
| 2024-03-31 | 8.87% |
| 2023-12-31 | 9.20% |
| 2023-09-30 | 11.52% |
| 2023-06-30 | 9.89% |
| 2023-03-31 | 10.16% |
| 2022-12-31 | 10.68% |
| 2022-09-30 | 10.95% |
| 2022-06-30 | 11.25% |
| 2022-03-31 | 10.38% |
| 2021-12-31 | 10.14% |
| 2021-09-30 | 10.03% |
| 2021-06-30 | 8.37% |
| 2021-03-31 | 7.95% |
| 2020-12-31 | 6.41% |
| 2020-09-30 | 6.04% |
| 2020-06-30 | 7.96% |
| 2020-03-31 | 7.40% |
| 2019-12-31 | 7.98% |
| 2019-09-30 | 8.12% |
| 2019-06-30 | 8.35% |
| 2019-03-31 | 11.24% |
| 2018-12-31 | 11.15% |
| 2018-09-30 | 9.62% |
| 2018-06-30 | 8.79% |
| 2018-03-31 | 7.71% |
| 2017-12-31 | 7.13% |
| 2017-09-30 | 8.23% |
| 2017-06-30 | 8.36% |
| 2017-03-31 | 8.34% |
| 2016-12-31 | 8.47% |
| 2016-09-30 | 8.18% |
| 2016-06-30 | 8.26% |
| 2016-03-31 | 8.62% |
| 2015-12-31 | 8.79% |
| 2015-09-30 | 8.82% |
| 2015-06-30 | 8.99% |
| 2015-03-31 | 8.79% |
| 2014-12-31 | 9.07% |
| 2014-09-30 | 9.07% |
| 2014-06-30 | 9.18% |
| 2014-03-31 | 9.84% |
| 2013-12-31 | 10.36% |
| 2013-09-30 | 11.21% |
| 2013-06-30 | 11.77% |
| 2013-03-31 | 11.91% |
| 2012-12-31 | 12.42% |
| 2012-09-30 | 12.72% |
| 2012-06-30 | 13.29% |
| 2012-03-31 | 13.64% |
| 2011-12-31 | 13.96% |
| 2011-09-30 | 13.72% |
| 2011-06-30 | 13.65% |
| 2011-03-31 | 13.80% |
| 2010-12-31 | 13.71% |
| 2010-09-30 | 13.32% |
| 2010-06-30 | -8.84% |
| 2010-03-31 | -17.93% |
| 2009-12-31 | -25.81% |
| 2009-09-30 | -33.14% |
| 2009-06-30 | -9.20% |
| 2009-03-31 | -0.06% |
| 2008-12-31 | 8.24% |
| 2008-09-30 | 9.06% |
| 2008-06-30 | 9.89% |
| 2008-03-31 | 8.41% |
| 2007-12-31 | 7.57% |
| 2007-09-30 | 7.08% |
| 2007-06-30 | 7.32% |
| 2007-03-31 | 8.96% |
| 2006-12-31 | 9.23% |
| 2006-09-30 | 9.56% |
| 2006-06-30 | 9.65% |
| 2006-03-31 | 9.62% |
| 2005-12-31 | 9.84% |
| 2005-09-30 | 10.61% |
| 2005-06-30 | 10.59% |
| 2005-03-31 | 11.22% |
| 2004-12-31 | 11.30% |
| 2004-09-30 | 11.74% |
| 2004-06-30 | 12.93% |
| 2004-03-31 | 12.20% |
| 2003-12-31 | 12.97% |
| 2003-09-30 | 12.69% |
| 2003-06-30 | 12.43% |
