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Citizens & Northern Corporation (CZNC)
NASDAQ: CZNC · Real-Time Price · USD
25.32
-0.02 (-0.08%)
Sep 1, 2026, 4:00 PM EDT - Market closed

Citizens & Northern Ratios and Metrics

Millions USD. Fiscal year is Jan - Dec.

Total Valuation

Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Sep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Market Capitalization
454359287343354411
Market Cap Growth
44.90%25.24%-16.32%-3.31%-13.87%30.50%
Last Close Price
25.3219.4616.9419.2918.6120.31

Price Ratios

Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Sep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
17.1915.4511.1414.3013.4313.57
PS Ratio
3.573.082.703.273.534.11
PB Ratio
1.311.051.041.311.421.37
P/FCF Ratio
10.1411.939.2110.9511.3212.48
P/OCF Ratio
9.8811.228.6810.2110.2411.81

Financial Efficiency

Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Sep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Debt / Equity Ratio
0.490.570.770.830.760.28
Debt / FCF Ratio
3.826.466.856.976.052.56
Net Debt / Equity Ratio
0.250.430.310.600.53-0.08
Net Debt / FCF Ratio
1.954.882.725.074.18-0.72
Return on Equity (ROE)
8.02%7.59%9.66%9.44%9.67%10.17%
Return on Assets (ROA)
0.88%0.82%1.01%0.97%1.11%1.34%

Yields

Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Sep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Earnings Yield
5.56%6.52%9.05%7.05%7.51%7.43%
FCF Yield
9.86%8.38%10.86%9.13%8.84%8.02%
Dividend Yield
4.42%5.76%6.61%5.81%6.02%5.51%
Payout Ratio
76.03%69.55%59.83%64.47%59.60%52.29%
Buyback Yield / Dilution
-12.01%-4.50%-0.14%1.40%1.99%-6.95%
Total Shareholder Return
-7.58%1.25%6.48%7.21%8.01%-1.44%
SEC Filings: 10-K · 10-Q