Citizens & Northern Corporation (CZNC) Financial Ratios Annual - Discounting Cash Flows
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CZNC
Citizens & Northern Corporation
CZNC (NASDAQ)
  • Financials

  • Citizens & Northern Corporation Financial Ratios Annual

Annual Quarterly

* (except for per share items) of USD
Period Ending: LTM
(Last Twelve Months) 		2025
12-31 		2024
12-31 		2023
12-31 		2022
12-31 		2021
12-31 		2020
12-31 		2019
12-31 		2018
12-31 		2017
12-31 		2016
12-31 		2015
12-31 		2014
12-31 		2013
12-31 		2012
12-31 		2011
12-31 		2010
12-31 		2009
12-31 		2008
12-31 		2007
12-31 		2006
12-31 		2005
12-31 		2004
12-31 		2003
12-31 		2002
12-31 		2001
12-31 		2000
12-31 		1999
12-31 		1998
12-31 		1997
12-31 		1996
12-31 		1995
12-31 		1994
12-31
Price Ratios
Price to Earnings Ratio 18.01 13.73 10.94 14.16 13.27 13.48 15.22 19.26 14.68 21.65 20 15.49 14.99 13.7 10.19 9.61 9.46 -2.25 17.6 14.82 15.49 16.54 15 13.43 11.18 11.62 12.62 12.22 17 17.51 14.25 13.59 13.4
Price to Sales Ratio 2.37 2.09 1.83 2.51 3.06 3.78 2.91 4.53 4.64 4.77 5.29 4.12 4.16 3.86 3.1 2.91 2.35 1.07 2.03 1.91 4.14 2.96 3.29 3.28 2.5 2.23 1.84 2.42 3.45 6.25 4.8 3.6 4.15
Price to Book Ratio 1.24 0 1.03 1.3 1.42 1.37 0.976 1.54 1.64 1.54 1.69 1.36 1.36 1.42 1.27 1.34 1.3 0.58 1.45 1.12 1.43 1.63 1.69 1.74 1.44 1.4 1.2 1.83 2.08 2.07 1.84 1.6 2.15
Price to Free Cash Flow Ratio 11.57 0 9.12 10.93 11.28 12.49 13.51 19.18 13.07 16.45 18.62 13.68 11.92 8.56 8.88 6.16 5.25 7.55 10.34 20.51 28.07 29.01 24.56 19.45 15.37 19.03 21.48 20.11 20.69 17.73 12.66 12.65 14.21
Price to Operating Cash Flow Ratio 12.59 0 8.59 10.19 10.21 11.82 11.8 16.73 12.48 15.01 17.03 12.96 11.49 8.34 8.36 6 5.14 6.82 9.77 15.53 18.33 15.21 14.96 14.97 13.28 15.07 14.45 16.46 17.76 16.36 11.99 11.76 10.94
Price Earnings to Growth Ratio -1.13 -1.01 1.43 -1.73 -1.21 0.283 -1.39 -1.02 0.231 -1.41 -5.4 -7.13 -1.74 -0.728 -3.26 0.297 -0.071 0.005 -2.99 -0.95 -2.14 -1.26 -1.61 1.59 0.412 0.281 -0.464 2.65 1.84 1.91 0.828 2.39 0
EV to EBITDA 4.2 2.48 -0.518 -3.35 -2.68 5.51 -1.03 -1.55 -2.08 -4.6 -8.81 -6.55 -6.39 -5.31 10.99 -3.94 27.72 25.85 22.12 24.94 26.26 22.48 20.47 18.77 21.2 17.63 16.34 16.66 16.79 16.07 17.83
Liquidity Ratios
Current Ratio 0 0 0.17 0.235 0.262 0.323 0.246 0.286 0.383 0.371 0.413 0.449 0.535 0.508 0.493 0.485 0.05 0.1 0.032 0.042 0.039 0.04 0.033 0.03 0.03 0.033 0.03 0.039 0.041 0.043 0.045 0.041 0.041
Quick Ratio 0 0 0.17 0.235 0.262 0.323 0.246 0.286 0.383 0.371 0.413 0.449 0.535 0.508 0.493 0.485 0.05 0.1 0.032 0.042 0.039 0.04 0.033 0.03 0.03 0.033 0.03 0.039 0.041 0.043 0.045 0.041 0.041
Cash Ratio 0 0 0.06 0.028 0.026 0.054 0.055 0.026 0.035 0.037 0.031 0.035 0.035 0.043 0.055 0.054 0.045 0.095 0.026 0.036 0.033 0.033 0.026 0.022 0.021 0.025 0.022 0.03 0.033 0.032 0.035 0.032 0.031
Debt Ratio 0 0 0.08 0.084 0.074 0.033 0.041 0.088 0.038 0.056 0.052 0.075 0.063 0.078 0.069 0.102 0.127 0.178 0.223 0.234 0.203 0.23 0.272 0.256 0.247 0.212 0.132 0.176 0.112 0.115 0.171 0.145 0.18
Debt to Equity Ratio 0 0 0.754 0.807 0.729 0.257 0.304 0.593 0.247 0.377 0.347 0.492 0.417 0.539 0.489 0.808 1.2 1.54 2.34 2.18 1.76 2.02 2.32 2.18 2.17 1.83 1.07 1.62 0.796 0.824 1.46 1.27 2.1
Long Term Debt to Capitalization 0 0 0.427 0.404 0.201 0.201 0.192 0.193 0.154 0.046 0.058 0.059 0.06 0.064 0.08 0.194 0.517 0.563 0.66 0.653 0.58 0.638 0.673 0.652 0.643 0.556 0.007 0.314 0.399 0.452 0.593 0.559 0.678
Total Debt to Capitalization 0 0 0.43 0.447 0.422 0.205 0.233 0.372 0.198 0.274 0.258 0.33 0.294 0.35 0.328 0.447 0.546 0.607 0.701 0.685 0.638 0.669 0.699 0.685 0.685 0.647 0.517 0.618 0.443 0.452 0.593 0.559 0.678
Interest Coverage Ratio 0.605 0.605 0.651 0.921 3.4 5.74 2.42 2.28 5.68 5.26 5.72 4.74 4.45 4.3 3.45 2.37 1.29 -2.53 0.399 0.385 0.48 0.614 0.784 0.844 0.71 0.532 0.342 0.604 0.644 0.569 0.529 0.423 0.473
Cash Flow to Debt Ratio 0 0 0.159 0.158 0.19 0.449 0.272 0.155 0.531 0.273 0.286 0.213 0.283 0.316 0.309 0.277 0.21 0.055 0.063 0.033 0.044 0.053 0.049 0.053 0.05 0.051 0.078 0.069 0.147 0.154 0.106 0.107 0.093
Margins
Gross Profit Margin 65.52% 65.34% 67.09% 75.56% 85.47% 90.62% 86.55% 86.58% 92.52% 92.27% 91.76% 91.2% 90.91% 88.17% 87.5% 82.83% 73.38% 69.54% 63.32% 57.37% 29.81% 61.75% 64.55% 63.02% 59.2% 53.82% 46.88% 56.25% 57% 14.86% 12.09% 15.06% 11%
Operating Profit Margin 18.48% 18.58% 20.5% 22.37% 28.01% 34.59% 23.11% 28.21% 37.7% 33.76% 35.4% 35.25% 36.97% 37.51% 41.75% 41.51% 32.37% -75.12% 14.21% 16.17% 32.94% 21.78% 26.16% 29.82% 27.98% 24.04% 17.74% 25.63% 26.78% 46.87% 45.16% 34.9% 40.62%
Pretax Profit Margin 18.48% 18.58% 20.5% 22.37% 28.01% 34.59% 23.11% 28.21% 37.7% 33.76% 35.4% 35.25% 36.97% 37.51% 41.75% 41.51% 32.37% -75.12% 14.21% 16.17% 32.94% 21.78% 26.16% 29.82% 27.98% 24.04% 17.74% 25.63% 26.78% 46.87% 45.16% 34.9% 40.62%
Net Profit Margin 15.12% 15.19% 16.7% 17.72% 23.05% 28.04% 19.14% 23.51% 31.6% 22.03% 26.43% 26.62% 27.73% 28.15% 30.45% 30.23% 24.82% -47.67% 11.55% 12.9% 26.75% 17.92% 21.95% 24.4% 22.39% 19.22% 14.61% 19.84% 20.31% 35.69% 33.69% 26.5% 30.96%
Operating Cash Flow Margin 21.62% 0% 21.25% 24.62% 29.96% 31.98% 24.67% 27.07% 37.17% 31.77% 31.04% 31.82% 36.17% 46.28% 37.09% 48.47% 45.64% 15.71% 20.8% 12.31% 22.61% 19.48% 22.01% 21.9% 18.86% 14.83% 12.77% 14.72% 19.43% 38.21% 40.04% 30.61% 37.93%
Free Cash Flow Margin 20.45% 0% 20.02% 22.96% 27.11% 30.27% 21.55% 23.61% 35.5% 28.98% 28.39% 30.14% 34.87% 45.06% 34.91% 47.18% 44.72% 14.2% 19.65% 9.32% 14.76% 10.22% 13.4% 16.86% 16.29% 11.74% 8.58% 12.05% 16.68% 35.27% 37.92% 28.46% 29.2%
Return
Return on Assets 0.791% 0% 0.994% 0.96% 1.08% 1.31% 0.858% 1.18% 1.71% 1.05% 1.27% 1.35% 1.38% 1.5% 1.76% 1.77% 1.45% -2.98% 0.785% 0.812% 1.06% 1.12% 1.32% 1.52% 1.47% 1.39% 1.18% 1.63% 1.71% 1.64% 1.52% 1.34% 1.37%
Return on Equity 7.79% 0% 9.43% 9.2% 10.68% 10.14% 6.41% 7.98% 11.15% 7.13% 8.47% 8.79% 9.07% 10.36% 12.42% 13.96% 13.71% -25.81% 8.24% 7.57% 9.23% 9.84% 11.3% 12.97% 12.91% 12.03% 9.53% 14.99% 12.23% 11.82% 12.93% 11.74% 16.01%
Return on Capital Employed 0.967% 0% 6.2% 6.53% 10.37% 9.99% 6.26% 7.72% 11.26% 10.42% 10.69% 10.94% 11.37% 12.92% 15.68% 16.46% 8.65% -17.77% 3.5% 3.27% 4.85% 4.31% 4.38% 5.48% 5.74% 6.63% 11.32% 13.15% 9.62% 7.67% 6.9% 6.62% 6.68%
Return on Invested Capital 0.791% 0% 6.69% 5.89% 10.36% 11.22% 7.14% 7.28% 11.24% 8.54% 9.53% 10.09% 10.39% 12.63% 16.36% 17.39% 7.9% -15.32% 3.06% 2.83% 4.32% 3.82% 3.86% 4.68% 4.81% 5.71% 10.99% 12.11% 8.17% 6.36% 5.61% 5.51% 5.56%
Turnover Ratios
Receivables Turnover Ratio 0 0 17.8 14.91 13.35 15.06 12.11 16.59 17.55 15.07 15.05 16.42 15.76 15.93 17.42 16.11 15.48 14.7 14.9 14.14 8.88 13.17 13.29 11.83 11.21 12.87 11.71 11.43 13.3 5.89 6.24 7.32 6.27
Payables Turnover Ratio 0 0 0 0 0.655 0.433 0.488 0.914 0.474 0.518 0.629 0.676 0.798 1.12 1.08 1.69 0 0 4.03 6.63 4.68 5.53 3 2.81 2.97 5.34 6.49 7.23 3.93 0 0 0 0
Inventory Turnover Ratio 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Fixed Asset Turnover Ratio 5.54 0 7.29 6.3 5.35 5.27 4.67 4.83 4.77 3.95 3.87 4.02 3.79 3.79 3.99 4.06 3.39 3.39 3.36 2.91 1.92 3.21 4.05 5.34 6.46 6.29 6.22 7.24 7.37 4.21 4.16 4.37 3.5
Asset Turnover Ratio 0.052 0 0.06 0.054 0.047 0.047 0.045 0.05 0.054 0.048 0.048 0.051 0.05 0.053 0.058 0.058 0.058 0.062 0.068 0.063 0.04 0.062 0.06 0.062 0.066 0.072 0.081 0.082 0.084 0.046 0.045 0.051 0.044
Per Share Items ()
Revenue Per Share 8.77 0 10.19 8.94 7.47 6.91 6.81 6.24 5.7 5.03 4.96 5.09 4.97 5.35 6.09 6.36 6.33 8.9 9.72 9.22 5.26 8.48 7.96 7.92 7.93 7.28 6.81 6.86 6.39 3.35 3.25 3.51 2.86
Operating Cash Flow Per Share 1.9 0 2.16 2.2 2.24 2.21 1.68 1.69 2.12 1.6 1.54 1.62 1.8 2.48 2.26 3.08 2.89 1.4 2.02 1.14 1.19 1.65 1.75 1.73 1.5 1.08 0.869 1.01 1.24 1.28 1.3 1.07 1.08
Free Cash Flow Per Share 1.79 0 2.04 2.05 2.03 2.09 1.47 1.47 2.02 1.46 1.41 1.53 1.73 2.41 2.13 3 2.83 1.26 1.91 0.86 0.776 0.866 1.07 1.33 1.29 0.855 0.585 0.827 1.07 1.18 1.23 0.998 0.834
Cash & Short Term Investments 31.4 0 22.84 31.01 35.79 39.49 30.6 28.72 32.77 32.7 35.5 37.56 44.62 42.69 43.51 44.59 3.82 9.93 2.68 3.61 3.19 3.09 2.23 1.8 1.77 1.86 1.62 2.14 1.89 1.69 1.77 1.6 1.46
Earnings Per Share 1.33 0 1.7 1.58 1.72 1.94 1.3 1.47 1.8 1.11 1.31 1.36 1.38 1.51 1.86 1.92 1.57 -4.24 1.12 1.19 1.41 1.52 1.75 1.93 1.78 1.4 0.995 1.36 1.3 1.19 1.09 0.929 0.885
EBITDA Per Share 1.72 1.8 2.23 2.14 2.25 2.53 1.71 1.89 2.29 1.83 1.89 1.95 2 2.17 2.71 2.82 2.26 -6.35 1.76 1.87 2.05 2.14 2.28 2.52 2.34 1.9 1.04 1.66 1.75 1.65 1.56 1.31 1.23
Dividend Per Share 0.987 0 1.02 1.02 1.03 1.01 0.981 1.06 0.96 0.92 0.923 0.926 0.919 0.884 0.741 0.512 0.433 0.908 0.857 0.942 0.932 0.884 0.839 0.793 0.717 0.632 0.585 0.55 0.491 0.443 0.409 0.381 0.357
Enterprise Value Per Share 0 0 9.37 5.31 -1.16 -8.45 -4.58 10.42 -2.35 -2.84 -3.93 -8.97 -17.61 -14.23 -17.31 -14.99 24.8 25.01 48.92 48.28 45.39 53.27 59.84 56.58 47.99 35.72 22.12 29.18 28.63 27.58 26.13 21.05 22.01
Book Value Per Share 17.03 0 18.04 17.21 16.13 19.12 20.33 18.38 16.14 15.55 15.46 15.43 15.2 14.53 14.94 13.76 11.45 16.44 13.62 15.73 15.24 15.44 15.47 14.89 13.75 11.63 10.44 9.08 10.62 10.11 8.46 7.91 5.52
Price Per Share 21.05 0 18.6 22.43 22.86 26.12 19.84 28.25 26.43 24 26.2 21 20.67 20.63 18.9 18.47 14.86 9.54 19.75 17.63 21.78 25.13 26.21 25.95 19.86 16.26 12.56 16.62 22.07 20.93 15.58 12.62 11.85
Dividend Ratios
Dividend Payout Ratio 66.76% 76.25% 59.83% 64.47% 59.6% 52.29% 75.27% 71.99% 53.36% 82.96% 70.5% 68.27% 66.67% 58.71% 39.91% 26.65% 27.55% -21.39% 76.33% 79.13% 66.29% 58.21% 48.03% 41.05% 40.36% 45.15% 58.82% 40.39% 37.81% 37.04% 37.36% 41.01% 40.33%
Annual Dividend Yield 4.69% 5.55% 5.47% 4.55% 4.49% 3.88% 4.95% 3.74% 3.63% 3.83% 3.52% 4.41% 4.45% 4.28% 3.92% 2.77% 2.91% 9.51% 4.34% 5.34% 4.28% 3.52% 3.2% 3.06% 3.61% 3.88% 4.66% 3.31% 2.22% 2.11% 2.62% 3.02% 3.01%
Effective Tax Rate 18.21% 18.21% 18.55% 20.78% 17.72% 18.93% 17.19% 16.68% 16.18% 34.75% 25.33% 24.47% 24.99% 24.95% 27.07% 27.16% 23.34% 36.55% 18.73% 20.23% 18.78% 17.7% 16.09% 18.17% 19.98% 20.05% 17.67% 22.6% 24.15% 23.85% 25.4% 24.07% 23.79%
Short Term Coverage Ratio 0 0 13.28 0.99 0.29 19.33 1.24 0.261 2.01 0.314 0.348 0.245 0.335 0.362 0.376 0.395 1.9 0.331 0.373 0.245 0.206 0.406 0.436 0.386 0.289 0.16 0.078 0.096 0.877 0 0 0 0
Capital Expenditure Coverage Ratio 18.56 0 17.33 14.81 10.52 18.69 7.9 7.83 22.19 11.42 11.72 18.95 27.82 38.17 17.05 37.54 49.57 10.35 18.15 4.12 2.88 2.1 2.56 4.34 7.36 4.8 3.05 5.51 7.06 12.97 18.9 14.26 4.34
EBIT Per Revenue 0.185 0.186 0.205 0.224 0.28 0.346 0.231 0.282 0.377 0.338 0.354 0.352 0.37 0.375 0.418 0.415 0.324 -0.751 0.142 0.162 0.329 0.218 0.262 0.298 0.28 0.24 0.177 0.256 0.268 0.469 0.452 0.349 0.406
EBITDA Per Revenue 0.196 0.186 0.219 0.24 0.301 0.365 0.251 0.303 0.402 0.364 0.381 0.383 0.402 0.406 0.445 0.444 0.357 -0.713 0.182 0.202 0.39 0.252 0.286 0.318 0.296 0.261 0.153 0.241 0.274 0.494 0.479 0.374 0.432
Days of Sales Outstanding 0 0 20.51 24.49 27.35 24.24 30.14 22 20.79 24.23 24.26 22.23 23.15 22.91 20.96 22.65 23.58 24.83 24.49 25.82 41.11 27.71 27.46 30.86 32.57 28.36 31.16 31.93 27.44 61.97 58.51 49.9 58.22
Days of Inventory Outstanding 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Days of Payables Outstanding 0 0 0 0 557.2 843.6 748.3 399.6 769.7 705.2 580.3 539.6 457.4 326.3 338.2 215.4 0 0 90.62 55.07 78.02 65.97 121.7 130 123.1 68.37 56.25 50.48 92.84 0 0 0 0
Cash Conversion Cycle 0 0 20.51 24.49 -529.9 -819.4 -718.1 -377.6 -748.9 -681 -556 -517.3 -434.2 -303.4 -317.3 -192.7 23.58 24.83 -66.12 -29.26 -36.91 -38.26 -94.23 -99.17 -90.53 -40.02 -25.09 -18.54 -65.4 61.97 58.51 49.9 58.22
Cash Conversion Ratio 1.43 0 1.27 1.39 1.3 1.14 1.29 1.15 1.18 1.44 1.17 1.2 1.3 1.64 1.22 1.6 1.84 -0.33 1.8 0.954 0.845 1.09 1 0.897 0.842 0.771 0.874 0.742 0.957 1.07 1.19 1.16 1.22
Free Cash Flow to Earnings 1.35 0 1.2 1.3 1.18 1.08 1.13 1 1.12 1.32 1.07 1.13 1.26 1.6 1.15 1.56 1.8 -0.298 1.7 0.722 0.552 0.57 0.611 0.691 0.728 0.611 0.588 0.607 0.822 0.988 1.13 1.07 0.943

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