Citizens & Northern Corporation (CZNC)

NASDAQ: CZNC · Real-Time Price · USD

23.38

-0.09 (-0.38%)

At close: Jul 21, 2026, 4:00 PM EDT

23.38

0.00 (0.00%)

After-hours: Jul 21, 2026, 4:00 PM EDT

Citizens & Northern Ratios and Metrics

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jul '26 Jul 21, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Market Cap	419	359	287	343	355	412
Market Cap Growth	39.38%	25.23%	-16.32%	-3.29%	-13.81%	30.39%
Last Close Price	23.38	20.17	18.60	22.43	22.86	26.12
PE Ratio	22.16	13.82	11.01	14.29	13.37	13.60
Forward PE	8.90	8.48	10.42	14.57	11.97	14.04
PS Ratio	3.66	2.99	2.60	3.23	3.54	4.11
PB Ratio	1.25	1.05	1.04	1.31	1.42	1.37
P/TBV Ratio	1.48	1.21	1.29	1.65	1.82	1.68
P/FCF Ratio	11.03	11.94	9.22	10.97	11.33	12.48
P/OCF Ratio	10.59	11.23	8.69	10.23	10.25	11.81
Debt / Equity Ratio	0.53	0.47	0.75	0.15	0.16	0.16
Debt / FCF Ratio	4.78	5.34	6.59	1.26	1.26	1.45
Net Debt / Equity Ratio	0.54	0.47	0.75	0.15	0.16	0.16
Net Debt / FCF Ratio	4.78	5.34	6.59	1.26	1.26	1.45
Asset Turnover	0.04	0.04	0.04	0.04	0.04	0.04
Return on Equity (ROE)	5.14%	7.59%	9.66%	9.44%	9.67%	10.17%
Earnings Yield	4.18%	7.24%	9.09%	7.00%	7.48%	7.35%
FCF Yield	9.07%	8.37%	10.84%	9.12%	8.83%	8.01%
Dividend Yield	4.84%	5.06%	5.47%	4.55%	4.49%	3.88%
Payout Ratio	107.28%	69.55%	59.83%	64.47%	59.60%	52.29%
Buyback Yield / Dilution	-8.23%	-4.50%	-0.14%	1.40%	1.99%	-6.95%
Total Shareholder Return	-3.39%	0.56%	5.34%	5.96%	6.48%	-3.07%

SEC Filings: 10-K · 10-Q