Citizens & Northern Corporation (CZNC)

Citizens & Northern Ratios and Metrics

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

Year Ending	Current	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Market Capitalization	298	343	354	411	315	387
Market Cap Growth	-13.20%	-3.31%	-13.87%	30.50%	-18.56%	19.09%
Enterprise Value	490	497	481	384	305	497
PE Ratio	12.82	14.19	13.31	13.47	16.40	19.85
PS Ratio	2.92	3.27	3.53	4.11	3.58	5.31
PB Ratio	1.14	1.31	1.42	1.37	1.05	1.58
P/FCF Ratio	11.10	10.95	11.32	12.24	14.56	19.76
P/OCF Ratio	10.08	10.21	10.24	11.81	12.72	17.23
EV/Sales Ratio	4.78	4.75	4.80	3.83	3.45	6.81
EV/EBITDA Ratio	15.63	15.24	13.85	9.64	12.09	19.75
EV/EBIT Ratio	16.75	16.32	14.87	10.19	13.12	21.22
EV/FCF Ratio	18.16	15.90	15.36	11.43	14.07	25.36
Debt / Equity Ratio	0.91	0.81	0.73	0.26	0.30	0.59
Debt / EBITDA Ratio	7.56	6.49	5.23	1.95	3.62	5.76
Debt / FCF Ratio	8.79	6.77	5.81	2.31	4.21	7.39
Asset Turnover	0.04	0.04	0.04	0.04	0.04	0.05
Return on Equity (ROE)	9.20%	9.60%	10.40%	10.10%	7.00%	8.40%
Return on Assets (ROA)	0.90%	1.00%	1.10%	1.30%	1.00%	1.30%
Return on Capital (ROIC)	4.65%	5.09%	6.17%	8.06%	5.26%	5.01%
Earnings Yield	7.75%	7.05%	7.51%	7.43%	6.10%	5.04%
FCF Yield	9.01%	9.13%	8.84%	8.17%	6.87%	5.06%
Dividend Yield	5.75%	5.00%	4.90%	4.20%	5.40%	4.20%
Payout Ratio	73.68%	71.30%	65.50%	57.80%	83.10%	80.80%
Buyback Yield / Dilution	1.19%	1.46%	1.59%	0.88%	-15.96%	-11.42%
Total Shareholder Return	6.94%	6.46%	6.49%	5.08%	-10.56%	-7.22%

Source: Financials are provided by Nasdaq Data Link and sourced from the audited annual (10-K) and quarterly (10-Q) reports submitted to the Securities and Exchange Commission (SEC).