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Debt-to-equity at other companies

Citizens Financial Services, Inc. logo
Citizens Financial Services, Inc.CZFS
0.6×-0.4×
CNB Financial logo
CNB FinancialCCNE
0.3×+0.1×
First Community Corporation logo
First Community CorporationFCCO
0.0×
Capital City Bank Group logo
Capital City Bank GroupCCBG
0.1×0.0×
West Bancorporation logo
West BancorporationWTBA
0.1×-0.1×
Greene County Bancorp logo
Greene County BancorpGCBC
0.3×+0.1×

Other financials

Income statement

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Revenue$36.6M+35.8%
Net income$273.0K-95.7%
EPS (diluted)$0.02-95.1%

Balance sheet

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Cash & equivalents$54.8M-52.2%
Total debt$13.6M+2,280%
Total equity$335.6M+19.1%
Total assets$3.2B+21.3%

Cash flow

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Operating cash flow$8.7M+447%
CapEx$188.0K-65.3%
Free cash flow$8.5M+713%

Valuation

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Market cap$402.23M+41.5%
Enterprise value$361.02M+112%
P/E23.1×+12.6×
P/S+0.4×

Profitability

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Net margin13.2%-11.4pp
FCF margin28.3%+3.5pp

Returns & leverage

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Return on equity5.6%-4.3pp

Where this comes from

Calculated from Citizens & Northern’s reported figures.

Based on the most recent quarter.

The official record: Citizens & Northern’s 10-Q, filed May 8, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Citizens & Northern's debt-to-equity?
Citizens & Northern (CZNC) reported debt-to-equity of 0× in Q1 2026.
How has Citizens & Northern's debt-to-equity changed year-over-year?
Citizens & Northern's debt-to-equity increased by 1925.0% year-over-year, from 0× to 0×.
What is the long-term trend for Citizens & Northern's debt-to-equity?
Over 5 years (2020 to 2025), Citizens & Northern's debt-to-equity has grown at a 3.8% compound annual growth rate (CAGR), from 0.1× to 0.1×.
What does debt-to-equity mean?
Total debt (including capitalized leases and financing obligations) divided by shareholders' equity at the quarter end. Measures how much the company is financed by debt relative to equity.