Citizens & Northern (CZNC) Financial Ratios

For fiscal 2025 (fiscal year ended Dec 31, 2025), Citizens & Northern had a P/E ratio of 15.45 (up from 11.13), return on equity of 7.6% (down from 9.7%), debt-to-equity of 0.57 (down from 0.77) and return on assets of 0.8% (down from 1.0%). Its dividend yield was 5.76% with a payout ratio of 69.5%.

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	8.47	10.42	14.56	11.97	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	11.93	9.21	10.95	11.32	12.47	14.56
Price/OCF	11.22	8.68	10.21	10.24	11.81	12.72
Enterprise Value Ratios
Profitability & Returns
Return on Equity (ROE)	7.59%	9.66%	9.44%	9.67%	10.17%	7.06%
Return on Assets (ROA)	0.82%	1.01%	0.97%	1.11%	1.34%	0.99%
Leverage & Solvency Ratios
Debt/Equity	0.57	0.77	0.83	0.76	0.28	0.34
Debt/FCF	6.46	6.85	6.97	6.05	2.56	4.67
Liquidity Ratios
Efficiency Ratios
Yield & Distribution Ratios
Earnings Yield	6.52%	9.05%	7.05%	7.51%	7.43%	6.10%
FCF Yield	8.38%	10.86%	9.13%	8.84%	8.02%	6.87%
Dividend Yield	5.76%	6.61%	5.81%	6.02%	5.51%	7.08%
Payout Ratio	69.55%	59.83%	64.47%	59.60%	52.29%	75.27%
Buyback Yield	-4.50%	-0.13%	1.40%	1.99%	-6.95%	-10.70%
Total Return	1.25%	6.48%	7.21%	8.01%	-1.44%	-3.62%

Source: Company financial statements from annual and quarterly filings. Data as of Jun 30, 2026. Data sources and methodology

Frequently Asked Questions About Citizens & Northern Financial Ratios

What is Citizens & Northern's P/E ratio?

Citizens & Northern's P/E ratio was 15.45 for fiscal 2025 (period ended Dec 31, 2025). It was 11.13 a year earlier.

What is Citizens & Northern's return on equity?

Citizens & Northern's return on equity (ROE) was 7.6% for fiscal 2025 (period ended Dec 31, 2025). It was 9.7% a year earlier.

What is Citizens & Northern's debt-to-equity ratio?

Citizens & Northern's debt-to-equity ratio was 0.57 for fiscal 2025 (period ended Dec 31, 2025). It was 0.77 a year earlier.

What is return on equity (ROE)?

Return on equity is net income divided by shareholders' equity. It measures how much profit a company generates from the capital its shareholders have invested. Full definition