Citizens & Northern Past Performance
How has Citizens & Northern performed over the past 5 years?
Past Performance Score5/6
Past Performance Score 5/6
Growing Profit Margin
Earnings vs Industry
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: CZNC has high quality earnings.
Growing Profit Margin: CZNC's current net profit margins (28.6%) are higher than last year (25.1%).
Past Earnings Growth Analysis
Earnings Trend: CZNC's earnings have grown by 13.5% per year over the past 5 years.
Accelerating Growth: CZNC's earnings growth over the past year (14.1%) exceeds its 5-year average (13.5% per year).
Earnings vs Industry: CZNC earnings growth over the past year (14.1%) exceeded the Banks industry 8.7%.
Return on Equity
High ROE: CZNC's Return on Equity (11.2%) is considered low.