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	Feb 11, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Market Capitalization	413	359	287	343	354	411
Market Cap Growth	29.32%	25.24%	-16.32%	-3.31%	-13.87%	30.50%
Last Close Price	23.17	19.92	17.34	19.75	19.05	20.80
PE Ratio	15.89	15.45	11.14	14.30	13.43	13.57
PS Ratio	3.17	3.08	2.70	3.27	3.53	4.11
PB Ratio	1.21	1.05	1.04	1.31	1.42	1.37
P/FCF Ratio	-	-	9.21	10.95	11.32	12.48
P/OCF Ratio	-	-	8.68	10.21	10.24	11.81
Debt / Equity Ratio	0.55	0.55	0.77	0.83	0.76	0.28
Debt / FCF Ratio	-	-	6.85	6.97	6.05	2.56
Return on Equity (ROE)	7.59%	7.59%	9.66%	9.44%	9.67%	10.17%
Return on Assets (ROA)	0.82%	0.82%	1.01%	0.97%	1.11%	1.34%
Earnings Yield	5.61%	6.52%	9.05%	7.05%	7.51%	7.43%
FCF Yield	-	-	10.86%	9.13%	8.84%	8.02%
Dividend Yield	4.84%	5.62%	6.46%	5.67%	5.88%	5.38%
Payout Ratio	76.85%	-	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	0.31%	1.12%	6.32%	7.07%	7.87%	-1.57%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q