Citizens & Northern Corp CZNC

25.70 0.22 0.86% as of 25 Sep
Market cap
$457.0M
P/E
17.4×
Growth Flags show if company had growth for consecutive years,
Insider Buys alert about insiders buying in the last 12 month
Jun '26 Mar '26 Dec '25 Sep '25 Older periods
P/E ratio
15.80 20.58 13.63 11.26

+8 more quarters

P/S ratio
2.17 2.20 1.89 1.89
P/FCF ratio
9.25 10.56 10.69 9.62
P/Operating CF
26.86 45.78 30.41 26.93
P/B ratio
1.20 1.18 0.94 1.04
Price to Tangible BV
1.52 1.52 1.21 1.27
EV/Sales
2.55 2.89 2.57 2.20
EV/EBITDA
0.00 0.00 0.00 0.00
EV/Operating CF
10.59 13.33 13.64 10.59
EV/FCF
10.88 13.88 14.50 11.19
Quick Ratio
0.03 0.02 0.02 0.06
Current Ratio
0.91 0.91 0.91 0.94
Net Debt/EBITDA
0.00 0.00 0.00 0.00
Debt/Assets
4.93% 5.67% 5.14% 6.49%
Debt/Equity
0.45 0.53 0.47 0.59
Asset Turnover
0.07 0.06 0.06 0.06
Operating CF/Net income
1.10 31.70 2.38 1.74
Capex/Depreciation
(0.11) (0.18) (0.46) (0.47)
Research and Development Expense of Revenue
0.00% 0.00% 0.00% 0.00%
Selling, General and Administrative Expense of Revenue
42.82% 74.44% 63.21% 52.62%
Intangible Assets out of Total Assets
0.02 0.02 0.02 0.02
Share Based Compensation of Revenue
0.66% 0.64% 0.59% 0.82%
Graham Net Nets
(0.96) (1.04) (1.27) (1.03)
Graham Number
25.43 21.50 26.71 27.50
Earnings Yield
6.33% 4.86% 7.34% 8.88%
Free Cash Flow Yield
10.81% 9.47% 9.36% 10.39%
Revenue per Share
2.89 2.75 3.12 2.66
Operating CF per Share
0.87 0.49 0.66 0.74
Capex per Share
(0.01) (0.01) (0.03) (0.03)
Free Cash Flow per Share
0.86 0.48 0.63 0.71
Cash per Share
4.64 3.09 2.89 7.99
Shareholders Equity per Share
19.48 18.92 21.42 19.09
Interest Debt per Share
0.00 0.00 0.00 0.00
Book value per Share
19.48 18.92 21.42 19.09
Free Cash Flow
15.27 8.47 10.13 10.90
Working Capital
(240.71) (231.60) (248.93) (142.93)
Capital Expenditures
(0.15) (0.19) (0.45) (0.43)
Net Current Asset Value
(396.10) (411.06) (409.79) (315.69)
EV/EBIT
0.00 0.00 0.00 0.00
Capex to Sales
0.00 0.00 0.01 0.01
Net Profit Margin
27.37% 0.56% 8.91% 15.87%
Price to Operating Income
13.29 18.62 11.23 9.14
Other line items
Average Payables
2,356.76 2,351.10 2,329.31 2,150.81
Average Assets
2,881.43 2,886.78 2,871.56 2,667.43
Average Common Equity
316.25 308.70 308.50 285.63

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Columns are period end dates