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	May 15, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Market Cap	363	359	287	343	355	412
Market Cap Growth	21.99%	25.23%	-16.32%	-3.29%	-13.81%	30.39%
Enterprise Value	501.06	520.35	492.24	382.62	394.13	459.34
Last Close Price	20.26	20.17	18.60	22.43	22.86	26.12
PE Ratio	19.40	13.82	11.01	14.29	13.37	13.60
Forward PE	7.79	8.48	10.42	14.57	13.79	14.04
PS Ratio	3.21	2.99	2.60	3.23	3.54	4.11
PB Ratio	1.08	1.05	1.04	1.31	1.42	1.37
P/TBV Ratio	0.98	0.94	1.03	1.30	1.42	1.37
P/FCF Ratio	9.67	11.94	9.22	10.97	11.33	12.48
P/OCF Ratio	9.29	11.23	8.69	10.23	10.25	11.81
EV/Sales Ratio	4.44	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	13.35	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	0.04	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	4.76%	7.24%	9.09%	7.00%	7.48%	7.35%
FCF Yield	10.34%	8.37%	10.84%	9.12%	8.83%	8.01%
Dividend Yield	5.53%	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	-2.70%	0.56%	5.34%	5.96%	6.48%	-3.07%

Updated May 8, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q