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Citizens & Northern Corp (CZNC)
NASDAQ:CZNC
US Market
CZNC
Citizens & Northern
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Citizens & Northern (CZNC) Ratios

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Citizens & Northern Ratios

CZNC's free cash flow for Q2 2026 was $0.34. For the 2026 fiscal year, CZNC's free cash flow was decreased by $ and operating cash flow was
gt;-0.01. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 40.31 1.11 0.17 0.24 0.26
Quick Ratio
 40.31 1.11 0.17 0.24 0.26
Cash Ratio
 5.64 1.11 0.06 0.03 0.03
Solvency Ratio
 <0.01 <0.01 0.01 0.01 0.01
Operating Cash Flow Ratio
 3.14 0.77 0.02 0.02 0.02
Short-Term Operating Cash Flow Coverage
 3.14 0.77 13.28 0.99 0.29
Net Current Asset Value
$ -2.22B$ -2.74B$ -1.98B$ -1.77B$ -1.64B
Leverage Ratios
Debt-to-Assets Ratio
 0.05 0.06 0.08 0.08 0.07
Debt-to-Equity Ratio
 0.49 0.56 0.75 0.81 0.73
Debt-to-Capital Ratio
 0.33 0.36 0.43 0.45 0.42
Long-Term Debt-to-Capital Ratio
 0.31 0.30 0.43 0.40 0.20
Financial Leverage Ratio
 9.11 9.17 9.48 9.59 9.84
Debt Service Coverage Ratio
 0.14 0.29 0.55 0.39 0.23
Interest Coverage Ratio
 0.28 0.60 0.65 0.92 3.40
Debt to Market Cap
 0.37 0.59 0.73 0.62 0.51
Interest Debt Per Share
 12.37 15.07 16.81 16.07 12.38
Net Debt to EBITDA
 5.97 4.74 2.39 4.75 3.65
Profitability Margins
Gross Profit Margin
51.76%65.34%67.09%75.56%85.47%
EBIT Margin
8.16%18.58%20.50%22.37%28.01%
EBITDA Margin
8.92%20.11%21.90%23.95%30.08%
Operating Profit Margin
8.16%18.58%20.50%22.37%28.01%
Pretax Profit Margin
18.97%18.58%20.50%22.37%28.01%
Net Profit Margin
15.42%15.19%16.70%17.72%23.05%
Continuous Operations Profit Margin
15.42%15.19%16.70%17.72%23.05%
Net Income Per EBT
81.33%81.79%81.45%79.22%82.28%
EBT Per EBIT
232.47%100.00%100.00%100.00%100.00%
Return on Assets (ROA)
0.80%0.75%0.99%0.96%1.08%
Return on Equity (ROE)
7.70%6.86%9.43%9.20%10.68%
Return on Capital Employed (ROCE)
0.43%0.93%6.20%6.53%10.37%
Return on Invested Capital (ROIC)
0.35%0.75%5.02%4.82%6.17%
Return on Tangible Assets
0.82%0.77%1.02%0.98%1.11%
Earnings Yield
5.60%7.28%9.14%7.06%7.53%
Efficiency Ratios
Receivables Turnover
 15.02 13.30 17.80 14.91 13.35
Payables Turnover
 0.00 0.00 0.00 0.00 0.66
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 6.15 5.56 7.29 6.30 5.35
Asset Turnover
 0.05 0.05 0.06 0.05 0.05
Working Capital Turnover Ratio
 0.56 -0.18 -0.09 -0.09 -0.08
Cash Conversion Cycle
 24.30 27.45 20.51 24.49 -529.88
Days of Sales Outstanding
 24.30 27.45 20.51 24.49 27.35
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 0.00 0.00 0.00 0.00 557.23
Operating Cycle
 24.30 27.45 20.51 24.49 27.35
Cash Flow Ratios
Operating Cash Flow Per Share
 2.60 2.01 2.16 2.20 2.24
Free Cash Flow Per Share
 2.55 1.89 2.04 2.05 2.03
CapEx Per Share
 0.05 0.12 0.12 0.15 0.21
Free Cash Flow to Operating Cash Flow
 0.98 0.94 0.94 0.93 0.90
Dividend Paid and CapEx Coverage Ratio
 2.49 1.76 1.89 1.88 1.81
Capital Expenditure Coverage Ratio
 52.37 16.80 17.33 14.81 10.52
Operating Cash Flow Coverage Ratio
 0.27 0.17 0.16 0.16 0.19
Operating Cash Flow to Sales Ratio
 0.28 0.21 0.21 0.25 0.30
Free Cash Flow Yield
9.82%9.36%10.97%9.15%8.86%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 17.37 13.82 10.94 14.16 13.27
Price-to-Sales (P/S) Ratio
 2.79 2.09 1.83 2.51 3.06
Price-to-Book (P/B) Ratio
 1.31 0.94 1.03 1.30 1.42
Price-to-Free Cash Flow (P/FCF) Ratio
 10.18 10.69 9.12 10.93 11.28
Price-to-Operating Cash Flow Ratio
 9.85 10.05 8.59 10.19 10.21
Price-to-Earnings Growth (PEG) Ratio
 -1.13 -1.02 1.43 -1.73 -1.21
Price-to-Fair Value
 1.31 0.94 1.03 1.30 1.42
Enterprise Value Multiple
 37.30 15.12 10.73 15.22 13.82
Enterprise Value
 546.70M 468.70M 365.39M 496.76M 480.03M
EV to EBITDA
 37.30 15.12 10.73 15.22 13.82
EV to Sales
 3.33 3.04 2.35 3.65 4.16
EV to Free Cash Flow
 12.12 15.57 11.74 15.88 15.33
EV to Operating Cash Flow
 11.89 14.65 11.06 14.81 13.87
Tangible Book Value Per Share
 15.45 16.73 14.46 13.61 12.55
Shareholders’ Equity Per Share
 19.59 21.42 18.04 17.21 16.13
Tax and Other Ratios
Effective Tax Rate
 0.19 0.18 0.19 0.21 0.18
Revenue Per Share
 9.30 9.67 10.19 8.94 7.47
Net Income Per Share
 1.43 1.47 1.70 1.58 1.72
Tax Burden
 0.81 0.82 0.81 0.79 0.82
Interest Burden
 2.32 1.00 1.00 1.00 1.00
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.33 0.35 0.29 0.32 0.36
Stock-Based Compensation to Revenue
 <0.01 <0.01 <0.01 0.01 0.01
Income Quality
 1.81 1.37 1.27 1.39 1.30
Currency in USD