Citizens & Northern Ratios and Metrics

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

Millions USD. Fiscal year is Jan - Dec.

Year Ending	Current	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019	2018 - 2013
Market Capitalization	332	343	354	411	315	387	Upgrade
Market Cap Growth	-7.22%	-3.31%	-13.87%	30.50%	-18.56%	19.09%	Upgrade
Enterprise Value	523	-	-	-	-	-	Upgrade
PE Ratio	14.21	14.29	13.39	13.60	15.31	19.36	Upgrade
PS Ratio	3.24	3.27	3.53	4.11	3.58	5.31	Upgrade
PB Ratio	1.27	1.31	1.42	1.36	1.05	1.58	Upgrade
P/FCF Ratio	12.30	10.95	11.32	12.47	14.56	19.76	Upgrade
P/OCF Ratio	11.17	10.21	10.24	11.81	12.72	17.23	Upgrade
EV/Sales Ratio	5.09	-	-	-	-	-	Upgrade
EV/EBITDA Ratio	16.67	-	-	-	-	-	Upgrade
EV/EBIT Ratio	17.86	-	-	-	-	-	Upgrade
EV/FCF Ratio	19.37	-	-	-	-	-	Upgrade
Debt / Equity Ratio	0.92	0.83	0.76	0.28	0.34	0.60	Upgrade
Debt / FCF Ratio	-	6.97	6.05	2.56	4.67	7.48	Upgrade
Return on Equity (ROE)	9.10%	9.44%	9.67%	10.16%	7.06%	8.83%	Upgrade
Return on Assets (ROA)	0.92%	0.97%	1.11%	1.34%	0.99%	1.32%	Upgrade
Earnings Yield	6.99%	-	-	-	-	-	Upgrade
FCF Yield	8.13%	9.13%	8.84%	8.02%	6.87%	5.06%	Upgrade
Dividend Yield	5.13%	4.99%	4.90%	4.29%	5.44%	3.82%	Upgrade
Payout Ratio	73.68%	64.47%	59.60%	52.29%	75.27%	71.99%	Upgrade
Buyback Yield / Dilution	1.19%	1.40%	1.99%	-6.95%	-10.70%	-8.68%	Upgrade
Total Shareholder Return	6.32%	6.39%	6.89%	-2.66%	-5.26%	-4.86%	Upgrade

Source: S&P Capital IQ. Banks template.