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	Jun '26 Jun 5, 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	383	359	287	343	355	412
Market Cap Growth	31.72%	25.23%	-16.32%	-3.29%	-13.81%	30.39%
Enterprise Value	520.77	520.35	492.24	382.62	394.13	459.34
Last Close Price	21.35	20.17	18.60	22.43	22.86	26.12
PE Ratio	20.45	13.82	11.01	14.29	13.37	13.60
Forward PE	8.21	8.48	10.42	14.57	13.79	14.04
PS Ratio	3.39	2.99	2.60	3.23	3.54	4.11
PB Ratio	1.14	1.05	1.04	1.31	1.42	1.37
P/TBV Ratio	1.03	0.94	1.03	1.30	1.42	1.37
P/FCF Ratio	10.19	11.94	9.22	10.97	11.33	12.48
P/OCF Ratio	9.79	11.23	8.69	10.23	10.25	11.81
EV/Sales Ratio	4.61	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	13.88	17.29	15.81	12.23	12.59	13.93
Debt / Equity Ratio	0.53	0.47	0.75	0.15	0.16	0.16
Debt / EBITDA Ratio	71.87	68.07	93.99	18.39	16.48	22.40
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 / EBITDA Ratio	71.87	68.07	93.99	18.39	16.48	22.40
Net Debt / FCF Ratio	4.78	5.34	6.59	1.26	1.26	1.45
Asset Turnover	0.03	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	4.52%	7.24%	9.09%	7.00%	7.48%	7.35%
FCF Yield	9.81%	8.37%	10.84%	9.12%	8.83%	8.01%
Dividend Yield	5.25%	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	-2.99%	0.56%	5.34%	5.96%	6.48%	-3.07%

SEC Filings: 10-K · 10-Q