Citizens & Northern Corporation (CZNC) — Financial ratios
Profitability, liquidity, leverage, and valuation ratios for Citizens & Northern Corporation, with annual and quarterly history.
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|---|
| Valuation | ||||||
| P/E Ratio | 13.73x | 10.94x | 14.16x | 13.27x | 13.48x | 15.22x |
| P/B Ratio | 0.94x | 1.03x | 1.30x | 1.42x | 1.37x | 0.98x |
| P/S Ratio | 2.09x | 1.83x | 2.51x | 3.06x | 3.78x | 2.91x |
| Profitability | ||||||
| Gross Margin | 65.3% | 67.1% | 75.6% | 85.5% | 90.6% | 86.6% |
| Operating Margin | 18.6% | 20.5% | 22.4% | 28.0% | 34.6% | 23.1% |
| Net Margin | 15.2% | 16.7% | 17.7% | 23.1% | 28.0% | 19.1% |
| EBITDA Margin | 18.6% | 21.9% | 24.0% | 30.1% | 36.5% | 25.1% |
| Liquidity | ||||||
| Current Ratio | 1.11x | 0.17x | 0.24x | 0.26x | 0.32x | 0.25x |
| Quick Ratio | 1.11x | 0.17x | 0.24x | 0.26x | 0.32x | 0.25x |
| Leverage | ||||||
| Debt/Equity | 0.56x | 0.75x | 0.81x | 0.73x | 0.26x | 0.30x |
YoY = year-over-year change. Source: FMP..