CZNC

(NASDAQ)

Citizens & Northern Corporation

$23.76-- (--)

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Overview Financials Forecast Statistics Dividends Historical Profile

Citizens & Northern (CZNC) Financial Ratios

Valuation, profitability, liquidity, and efficiency metrics with annual and quarterly data.

Citizens & Northern Financial Ratios Analysis

Valuation, profitability, leverage, and liquidity ratios

Income Statement Balance Sheet Cash Flow Ratios

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Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Valuation Ratios
P/E Ratio	15.45	11.13	14.30	13.43	13.57	16.50
Forward P/E	13.79	13.79	13.79	13.79	14.04	11.58
P/S Ratio	3.08	2.70	3.27	3.53	4.11	3.58
P/B Ratio	1.05	1.04	1.31	1.42	1.36	1.05
Price/Tangible Book	1.35	1.30	1.65	1.83	1.68	1.29
Price/FCF	—	9.21	10.95	11.32	12.47	14.56
Price/OCF	—	8.68	10.21	10.24	11.81	12.72
Enterprise Value Ratios
Profitability & Returns
Return on Equity (ROE)	0.08%	0.10%	0.09%	0.10%	0.10%	0.07%
Return on Assets (ROA)	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%
Leverage & Solvency Ratios
Debt/Equity	0.55	0.77	0.83	0.76	0.28	0.34
Debt/FCF	—	6.85	6.97	6.05	2.56	4.67
Liquidity Ratios
Efficiency Ratios
Yield & Distribution Ratios
Earnings Yield	0.07%	0.09%	0.07%	0.08%	0.07%	0.06%
FCF Yield	—	0.11%	0.09%	0.09%	0.08%	0.07%
Dividend Yield	0.06%	0.06%	0.06%	0.06%	0.05%	0.07%
Payout Ratio	—	0.60%	0.64%	0.60%	0.52%	0.75%
Buyback Yield	-0.04%	0.00%	0.01%	0.02%	-0.07%	-0.11%
Total Return	0.01%	0.06%	0.07%	0.08%	-0.02%	-0.04%