Citizens & Northern Corporation (CZNC)

Citizens & Northern Ratios and Metrics

Market cap in millions USD. Fiscal year is January - December.

Fiscal Year	Current	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 18, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Market Capitalization	316	287	343	354	411	315
Market Cap Growth	6.69%	-16.32%	-3.31%	-13.87%	30.50%	-18.56%
Last Close Price	20.02	17.81	20.29	19.57	21.37	15.49
PE Ratio	11.60	11.14	14.30	13.43	13.57	16.50
PS Ratio	2.83	2.70	3.27	3.53	4.11	3.58
PB Ratio	1.08	1.04	1.31	1.42	1.37	1.05
P/FCF Ratio	11.40	9.21	10.95	11.32	12.48	14.56
P/OCF Ratio	10.80	8.68	10.21	10.24	11.81	12.72
Debt / Equity Ratio	0.65	0.77	0.83	0.76	0.28	0.34
Debt / FCF Ratio	6.83	6.85	6.97	6.05	2.56	4.68
Return on Equity (ROE)	9.81%	9.66%	9.44%	9.67%	10.17%	7.06%
Return on Assets (ROA)	1.04%	1.01%	0.97%	1.11%	1.34%	0.99%
Earnings Yield	8.60%	9.05%	7.05%	7.51%	7.43%	6.10%
FCF Yield	8.77%	10.86%	9.13%	8.84%	8.02%	6.87%
Dividend Yield	5.53%	6.29%	5.52%	5.72%	5.24%	6.97%
Payout Ratio	64.18%	59.83%	64.47%	59.60%	52.29%	75.27%
Buyback Yield / Dilution	-0.71%	-0.14%	1.40%	1.99%	-6.95%	-10.70%
Total Shareholder Return	4.94%	6.15%	6.92%	7.71%	-1.71%	-3.73%

Updated Jun 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q