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STOCKS

Citizens & Northern (CZNC)

:CZNC

CZNC

Citizens & Northern

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Citizens & Northern (CZNC) Ratios

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Citizens & Northern Ratios

CZNC's free cash flow for Q4 2024 was $1.00. For the 2024 fiscal year, CZNC's free cash flow was decreased by $ and operating cash flow was $0.36. See a summary of the company’s cash flow.

Ratios	TTM	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	0.57	43.60	5.47	26.66	10.04
Quick Ratio	0.57	43.60	6.10	31.82	12.61
Cash Ratio	0.15	37.30	0.54	4.44	2.23
Solvency Ratio	0.01	0.01	0.01	0.02	0.01
Operating Cash Flow Ratio	0.04	22.00	0.34	1.47	0.54
Short-Term Operating Cash Flow Coverage	0.00	0.53	0.45	0.00	1.37
Net Current Asset Value	$ -1.86B	$ -2.19B	$ -1.64B	$ -1.40B	$ -1.48B
Leverage Ratios
Debt-to-Assets Ratio	0.08	0.08	0.11	0.03	0.04
Debt-to-Equity Ratio	0.75	0.80	1.04	0.26	0.30
Debt-to-Capital Ratio	0.43	0.44	0.51	0.20	0.23
Long-Term Debt-to-Capital Ratio	0.43	0.36	0.20	0.17	0.19
Financial Leverage Ratio	9.48	9.59	9.84	7.72	7.47
Debt Service Coverage Ratio	-0.12	-0.07	0.34	4.98	0.77
Interest Coverage Ratio	0.65	1.36	4.40	5.74	2.42
Debt to Market Cap	0.72	0.61	0.40	0.15	0.31
Interest Debt Per Share	16.65	15.91	17.36	5.34	6.70
Net Debt to EBITDA	0.00	0.00	5.86	-0.69	-0.50
Profitability Margins
Gross Profit Margin	100.00%	100.00%	100.00%	100.00%	100.00%
EBIT Margin	-2.05%	-2.06%	30.53%	36.30%	25.55%
EBITDA Margin	0.00%	0.00%	32.79%	38.35%	27.73%
Operating Profit Margin	29.92%	43.01%	39.51%	36.30%	25.55%
Pretax Profit Margin	29.92%	29.13%	30.53%	36.30%	25.55%
Net Profit Margin	24.37%	23.08%	25.12%	29.43%	21.16%
Continuous Operations Profit Margin	24.37%	23.08%	25.12%	29.43%	21.16%
Net Income Per EBT	81.45%	79.22%	82.28%	81.07%	82.81%
EBT Per EBIT	100.00%	67.74%	77.26%	100.00%	100.00%
Return on Assets (ROA)	0.99%	0.96%	1.08%	1.31%	0.86%
Return on Equity (ROE)	9.43%	9.20%	10.68%	10.14%	6.41%
Return on Capital Employed (ROCE)	1.80%	1.79%	1.78%	1.64%	1.06%
Return on Invested Capital (ROIC)	-9.15%	1.38%	3.10%	2.55%	2.24%
Return on Tangible Assets	1.02%	0.98%	1.11%	1.34%	0.88%
Earnings Yield	9.14%	7.06%	7.53%	7.42%	6.57%
Efficiency Ratios
Receivables Turnover	12.19	11.45	0.00	0.00	10.95
Payables Turnover	0.00	0.00	0.00	0.00	0.00
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	4.99	4.15	4.91	5.02	4.22
Asset Turnover	0.04	0.04	0.04	0.04	0.04
Working Capital Turnover Ratio	-0.72	0.40	0.20	0.20	0.26
Cash Conversion Cycle	29.94	31.88	0.00	0.00	33.32
Days of Sales Outstanding	29.94	31.88	0.00	0.00	33.32
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	0.00	0.00	0.00	0.00	0.00
Operating Cycle	29.94	31.88	0.00	0.00	33.32
Cash Flow Ratios
Operating Cash Flow Per Share	2.16	2.20	2.24	2.21	1.68
Free Cash Flow Per Share	2.04	2.05	2.03	2.09	1.47
CapEx Per Share	0.00	0.15	0.21	0.12	0.21
Free Cash Flow to Operating Cash Flow	0.94	0.93	0.90	0.95	0.87
Dividend Paid and CapEx Coverage Ratio	2.13	1.88	1.81	1.95	1.41
Capital Expenditure Coverage Ratio	0.00	14.81	10.52	18.69	7.90
Operating Cash Flow Coverage Ratio	0.16	0.16	0.13	0.45	0.28
Operating Cash Flow to Sales Ratio	0.31	0.32	0.33	0.34	0.27
Free Cash Flow Yield	10.97%	9.15%	8.86%	8.01%	7.40%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	10.94	14.16	13.27	13.48	15.22
Price-to-Sales (P/S) Ratio	2.67	3.27	3.33	3.97	3.22
Price-to-Book (P/B) Ratio	1.03	1.30	1.42	1.37	0.98
Price-to-Free Cash Flow (P/FCF) Ratio	9.12	10.93	11.28	12.49	13.51
Price-to-Operating Cash Flow Ratio	8.59	10.19	10.21	11.82	11.80
Price-to-Earnings Growth (PEG) Ratio	1.23	-1.73	-1.21	0.28	-1.39
Price-to-Fair Value	1.03	1.30	1.42	1.37	0.98
Enterprise Value Multiple	0.00	0.00	16.04	9.65	11.11
Enterprise Value	362.89M	494.38M	557.04M	384.41M	279.88M
EV to EBITDA	0.00	0.00	16.04	9.65	11.11
EV to Sales	3.41	4.73	5.26	3.70	3.08
EV to Free Cash Flow	11.66	15.80	17.79	11.66	12.93
EV to Operating Cash Flow	10.99	14.74	16.10	11.03	11.29
Tangible Book Value Per Share	14.46	13.61	12.55	15.58	16.51
Shareholders’ Equity Per Share	18.04	17.21	16.13	19.12	20.33
Tax and Other Ratios
Effective Tax Rate	0.19	0.21	0.18	0.19	0.17
Revenue Per Share	6.98	6.86	6.86	6.59	6.16
Net Income Per Share	1.70	1.58	1.72	1.94	1.30
Tax Burden	0.81	0.79	0.82	0.81	0.83
Interest Burden	-14.60	-14.17	1.00	1.00	1.00
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.02	0.10	0.39	0.47	0.43
Stock-Based Compensation to Revenue	0.01	0.01	0.01	0.01	0.01
Income Quality	1.27	1.39	1.30	1.14	1.29

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