Citizens National Ratios and Metrics

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	2019 - 2015
Period Ending	Feb '26 Feb 26, 2026	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020	2019 - 2015
Market Capitalization	51	45	39	47	58	45	Upgrade
Market Cap Growth	14.56%	15.60%	-15.72%	-19.30%	28.83%	-22.52%	Upgrade
Last Close Price	52.00	44.97	37.75	43.70	53.05	39.96	Upgrade
PE Ratio	10.95	9.70	7.81	7.69	10.78	9.56	Upgrade
PS Ratio	2.20	1.96	1.69	1.91	2.45	2.02	Upgrade
PB Ratio	0.75	0.67	0.58	0.78	0.70	0.56	Upgrade
P/FCF Ratio	5.80	5.18	7.13	7.45	8.45	9.97	Upgrade
P/OCF Ratio	5.62	5.03	6.75	6.82	8.06	7.89	Upgrade
Debt / Equity Ratio	0.21	0.21	0.24	0.40	0.37	0.42	Upgrade
Debt / FCF Ratio	1.61	1.61	2.97	3.77	4.42	7.51	Upgrade
Net Debt / Equity Ratio	-0.29	-0.29	0.00	-0.18	-1.79	-1.70	Upgrade
Net Debt / FCF Ratio	-2.25	-2.25	0.04	-1.68	-21.55	-30.40	Upgrade
Return on Equity (ROE)	6.92%	6.92%	7.91%	8.54%	6.59%	6.05%	Upgrade
Return on Assets (ROA)	0.71%	0.71%	0.74%	0.82%	0.71%	0.67%	Upgrade
Earnings Yield	9.22%	10.31%	12.80%	13.00%	9.27%	10.46%	Upgrade
FCF Yield	17.25%	19.29%	14.02%	13.43%	11.84%	10.03%	Upgrade
Dividend Yield	1.92%	2.18%	2.54%	2.15%	1.70%	2.20%	Upgrade
Payout Ratio	21.05%	20.61%	18.87%	15.41%	16.74%	18.82%	Upgrade
Buyback Yield / Dilution	1.79%	0.30%	0.50%	0.20%	0.80%	0.69%	Upgrade
Total Shareholder Return	3.72%	2.48%	3.05%	2.35%	2.49%	2.89%	Upgrade

Source: S&P Capital IQ. Banks template. Financial Sources.