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Citizens & Northern Corporation (CZNC)
NASDAQ: CZNC · Real-Time Price · USD
28.09
-0.16 (-0.58%)
Nov 6, 2026, 12:41 PM EST - Market open

Citizens & Northern Ratios and Metrics

Millions USD. Fiscal year is Jan - Dec.

Total Valuation

Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Nov '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Market Capitalization
504359287343354411
Market Cap Growth
69.86%25.24%-16.32%-3.31%-13.87%30.50%
Last Close Price
28.2519.4616.9419.2918.6120.31

Price Ratios

Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Nov '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
14.2815.4511.1414.3013.4313.57
PS Ratio
3.583.082.703.273.534.11
PB Ratio
1.481.051.041.311.421.37
P/FCF Ratio
11.4011.939.2110.9511.3212.48
P/OCF Ratio
11.0911.228.6810.2110.2411.81

Financial Efficiency

Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Nov '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Debt / Equity Ratio
0.480.570.770.830.760.28
Debt / FCF Ratio
-6.466.856.976.052.56
Net Debt / Equity Ratio
0.190.430.310.600.53-0.08
Net Debt / FCF Ratio
-4.882.725.074.18-0.72
Return on Equity (ROE)
11.01%7.59%9.66%9.44%9.67%10.17%
Return on Assets (ROA)
1.21%0.82%1.01%0.97%1.11%1.34%

Yields

Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Nov '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Earnings Yield
7.00%6.52%9.05%7.05%7.51%7.43%
FCF Yield
8.78%8.38%10.86%9.13%8.84%8.02%
Dividend Yield
4.27%5.56%6.03%5.00%4.91%4.29%
Payout Ratio
61.02%69.55%59.83%64.47%59.60%52.29%
Buyback Yield / Dilution
-15.60%-4.50%-0.14%1.40%1.99%-6.95%
Total Shareholder Return
-11.38%1.06%5.89%6.40%6.89%-2.66%
SEC Filings: 10-K · 10-Q