Citizens & Northern Corporation (CZNC)
NASDAQ: CZNC · Real-Time Price · USD
23.65
+0.41 (1.76%)
Apr 28, 2026, 4:00 PM EDT - Market closed
Citizens & Northern Ratios and Metrics
Market cap in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
| Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
| Apr '26 Apr 28, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
| Market Capitalization | 424 | 359 | 287 | 343 | 354 | 411 | |
| Market Cap Growth | 49.52% | 25.24% | -16.32% | -3.31% | -13.87% | 30.50% | |
| Last Close Price | 23.65 | 19.92 | 17.34 | 19.75 | 19.05 | 20.80 | |
| PE Ratio | 16.23 | 15.45 | 11.14 | 14.30 | 13.43 | 13.57 | |
| PS Ratio | 3.63 | 3.08 | 2.70 | 3.27 | 3.53 | 4.11 | |
| PB Ratio | 1.23 | 1.05 | 1.04 | 1.31 | 1.42 | 1.37 | |
| P/FCF Ratio | 14.07 | 11.93 | 9.21 | 10.95 | 11.32 | 12.48 | |
| P/OCF Ratio | 13.24 | 11.22 | 8.68 | 10.21 | 10.24 | 11.81 | |
| Debt / Equity Ratio | 0.57 | 0.57 | 0.77 | 0.83 | 0.76 | 0.28 | |
| Debt / FCF Ratio | 6.46 | 6.46 | 6.85 | 6.97 | 6.05 | 2.56 | |
| Net Debt / Equity Ratio | 0.43 | 0.43 | 0.31 | 0.60 | 0.53 | -0.08 | |
| Net Debt / FCF Ratio | 4.88 | 4.88 | 2.72 | 5.07 | 4.18 | -0.72 | |
| Return on Equity (ROE) | 7.59% | 7.59% | 9.66% | 9.44% | 9.67% | 10.17% | |
| Return on Assets (ROA) | 0.82% | 0.82% | 1.01% | 0.97% | 1.11% | 1.34% | |
| Earnings Yield | 5.49% | 6.52% | 9.05% | 7.05% | 7.51% | 7.43% | |
| FCF Yield | 7.11% | 8.38% | 10.86% | 9.13% | 8.84% | 8.02% | |
| Dividend Yield | 4.74% | 5.62% | 6.46% | 5.67% | 5.88% | 5.38% | |
| Payout Ratio | 76.85% | 69.55% | 59.83% | 64.47% | 59.60% | 52.29% | |
| Buyback Yield / Dilution | -4.50% | -4.50% | -0.14% | 1.40% | 1.99% | -6.95% | |
| Total Shareholder Return | 0.23% | 1.12% | 6.32% | 7.07% | 7.87% | -1.57% | |
Source: S&P Capital IQ. Banks template.
Financial Sources.