Citizens & Northern Corporation (CZNC)

Citizens & Northern Ratios and Metrics

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

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Apr 2, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Market Cap	402	359	287	343	355	412
Market Cap Growth	24.82%	25.23%	-16.32%	-3.29%	-13.81%	30.39%
Enterprise Value	548.55	520.35	492.24	382.62	394.13	459.34
Last Close Price	22.42	20.17	18.60	22.43	22.86	26.12
PE Ratio	15.38	13.82	11.01	14.29	13.37	13.60
Forward PE	8.97	8.48	10.42	14.57	11.97	14.04
PS Ratio	3.44	2.99	2.60	3.23	3.54	4.11
PB Ratio	1.17	1.05	1.04	1.31	1.42	1.37
P/TBV Ratio	1.05	0.94	1.03	1.30	1.42	1.37
P/FCF Ratio	13.34	11.94	9.22	10.97	11.33	12.48
P/OCF Ratio	12.55	11.23	8.69	10.23	10.25	11.81
EV/Sales Ratio	4.70	4.33	4.45	3.61	3.93	4.59
EV/EBITDA Ratio	-	220.21	225.49	177.88	164.98	215.65
EV/FCF Ratio	18.23	17.29	15.81	12.23	12.59	13.93
Debt / Equity Ratio	0.47	0.47	0.75	0.15	0.16	0.16
Debt / EBITDA Ratio	68.07	68.07	93.99	18.39	16.48	22.40
Debt / FCF Ratio	5.34	5.34	6.59	1.26	1.26	1.45
Net Debt / Equity Ratio	0.47	0.47	0.75	0.15	0.16	0.16
Net Debt / EBITDA Ratio	68.07	68.07	93.99	18.39	16.48	22.40
Net Debt / FCF Ratio	5.34	5.34	6.59	1.26	1.26	1.45
Asset Turnover	0.05	0.04	0.04	0.04	0.04	0.04
Return on Equity (ROE)	7.59%	7.59%	9.66%	9.44%	9.67%	10.16%
Earnings Yield	5.79%	7.24%	9.09%	7.00%	7.48%	7.35%
FCF Yield	7.50%	8.37%	10.84%	9.12%	8.83%	8.01%
Dividend Yield	5.00%	5.06%	5.47%	4.55%	4.49%	3.88%
Payout Ratio	76.85%	69.55%	59.83%	64.47%	59.60%	52.29%
Buyback Yield / Dilution	-4.50%	-4.50%	-0.14%	1.40%	1.99%	-6.95%
Total Shareholder Return	0.49%	0.56%	5.34%	5.96%	6.48%	-3.07%

Updated Dec 31, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q