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STOCKS

Citizens & Northern (CZNC)

NASDAQ:CZNC

CZNC

Citizens & Northern

RESEARCH TOOLSreports

Citizens & Northern (CZNC) Ratios

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193 Followers

Citizens & Northern Ratios

CZNC's free cash flow for Q4 2025 was $0.60. For the 2025 fiscal year, CZNC's free cash flow was decreased by $ and operating cash flow was $0.15. See a summary of the company’s cash flow.

Ratios	TTM	Dec 25	Dec 24	Dec 23	Dec 22
Liquidity Ratios
Current Ratio	0.21	1.11	0.17	0.24	0.26
Quick Ratio	0.21	1.11	0.17	0.24	0.26
Cash Ratio	0.02	1.11	0.06	0.03	0.03
Solvency Ratio	<0.01	<0.01	0.01	0.01	0.01
Operating Cash Flow Ratio	0.01	0.77	0.02	0.02	0.02
Short-Term Operating Cash Flow Coverage	0.77	0.77	13.28	0.99	0.29
Net Current Asset Value	$ -2.24B	$ -2.74B	$ -1.98B	$ -1.77B	$ -1.64B
Leverage Ratios
Debt-to-Assets Ratio	0.06	0.06	0.08	0.08	0.07
Debt-to-Equity Ratio	0.57	0.56	0.75	0.81	0.73
Debt-to-Capital Ratio	0.36	0.36	0.43	0.45	0.42
Long-Term Debt-to-Capital Ratio	0.30	0.30	0.43	0.40	0.20
Financial Leverage Ratio	9.18	9.17	9.48	9.59	9.84
Debt Service Coverage Ratio	0.28	0.26	0.55	0.39	0.23
Interest Coverage Ratio	0.60	0.60	0.65	0.92	3.40
Debt to Market Cap	0.57	0.59	0.73	0.62	0.51
Interest Debt Per Share	13.61	15.07	16.81	16.07	12.38
Net Debt to EBITDA	4.85	5.13	2.39	4.75	3.65
Profitability Margins
Gross Profit Margin	65.52%	65.34%	67.09%	75.56%	85.47%
EBIT Margin	18.48%	18.58%	20.50%	22.37%	28.01%
EBITDA Margin	19.56%	18.58%	21.90%	23.95%	30.08%
Operating Profit Margin	18.48%	18.58%	20.50%	22.37%	28.01%
Pretax Profit Margin	18.48%	18.58%	20.50%	22.37%	28.01%
Net Profit Margin	15.12%	15.19%	16.70%	17.72%	23.05%
Continuous Operations Profit Margin	15.12%	15.19%	16.70%	17.72%	23.05%
Net Income Per EBT	81.79%	81.79%	81.45%	79.22%	82.28%
EBT Per EBIT	100.00%	100.00%	100.00%	100.00%	100.00%
Return on Assets (ROA)	0.75%	0.75%	0.99%	0.96%	1.08%
Return on Equity (ROE)	7.79%	6.86%	9.43%	9.20%	10.68%
Return on Capital Employed (ROCE)	5.31%	0.93%	6.20%	6.53%	10.37%
Return on Invested Capital (ROIC)	4.03%	0.75%	5.02%	4.82%	6.17%
Return on Tangible Assets	0.77%	0.77%	1.02%	0.98%	1.11%
Earnings Yield	6.12%	7.28%	9.14%	7.06%	7.53%
Efficiency Ratios
Receivables Turnover	13.37	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	5.58	5.56	7.29	6.30	5.35
Asset Turnover	0.05	0.05	0.06	0.05	0.05
Working Capital Turnover Ratio	-0.08	-0.18	-0.09	-0.09	-0.08
Cash Conversion Cycle	27.31	27.45	20.51	24.49	-529.88
Days of Sales Outstanding	27.31	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	27.31	27.45	20.51	24.49	27.35
Cash Flow Ratios
Operating Cash Flow Per Share	1.81	2.01	2.16	2.20	2.24
Free Cash Flow Per Share	1.64	1.76	2.04	2.05	2.03
CapEx Per Share	0.17	0.12	0.12	0.15	0.21
Free Cash Flow to Operating Cash Flow	0.91	0.88	0.94	0.93	0.90
Dividend Paid and CapEx Coverage Ratio	1.66	1.76	1.89	1.88	1.81
Capital Expenditure Coverage Ratio	10.59	16.80	17.33	14.81	10.52
Operating Cash Flow Coverage Ratio	0.17	0.17	0.16	0.16	0.19
Operating Cash Flow to Sales Ratio	0.21	0.21	0.21	0.25	0.30
Free Cash Flow Yield	8.71%	8.74%	10.97%	9.15%	8.86%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	16.35	13.73	10.94	14.16	13.27
Price-to-Sales (P/S) Ratio	2.15	2.09	1.83	2.51	3.06
Price-to-Book (P/B) Ratio	1.12	0.94	1.03	1.30	1.42
Price-to-Free Cash Flow (P/FCF) Ratio	11.48	11.44	9.12	10.93	11.28
Price-to-Operating Cash Flow Ratio	11.97	10.05	8.59	10.19	10.21
Price-to-Earnings Growth (PEG) Ratio	-1.03	-1.01	1.43	-1.73	-1.21
Price-to-Fair Value	1.12	0.94	1.03	1.30	1.42
Enterprise Value Multiple	15.82	16.36	10.73	15.22	13.82
Enterprise Value	479.79M	468.70M	365.39M	496.76M	480.03M
EV to EBITDA	15.82	16.36	10.73	15.22	13.82
EV to Sales	3.10	3.04	2.35	3.65	4.16
EV to Free Cash Flow	16.56	16.66	11.74	15.88	15.33
EV to Operating Cash Flow	14.99	14.65	11.06	14.81	13.87
Tangible Book Value Per Share	15.10	16.73	14.46	13.61	12.55
Shareholders’ Equity Per Share	19.32	21.42	18.04	17.21	16.13
Tax and Other Ratios
Effective Tax Rate	0.18	0.18	0.19	0.21	0.18
Revenue Per Share	8.77	9.67	10.19	8.94	7.47
Net Income Per Share	1.33	1.47	1.70	1.58	1.72
Tax Burden	0.82	0.82	0.81	0.79	0.82
Interest Burden	1.00	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	0.32	0.35	0.29	0.32	0.36
Stock-Based Compensation to Revenue	<0.01	0.00	<0.01	0.01	0.01
Income Quality	1.37	1.37	1.27	1.39	1.30

Currency in USD