Where do Citizens & Northern's ratios come from?

Every ratio is computed from Citizens & Northern's SEC filings — trailing-twelve-month flows over period-end balances. Valuation multiples combine those fundamentals with market data, recomputed each period. Switch between quarterly, annual, and TTM, or open any ratio for its full history and peer comparisons.

	TTM Q1 '26	TTM Q4 '25	TTM Q3 '25	TTM Q2 '25	TTM Q1 '25
Profitability
Net margin	13.2%-5.9pp	19.1%-4.7pp	23.8%-0.3pp	24.2%-0.4pp	24.6%+0.6pp
Free cash flow margin	28.3%+3.8pp	24.5%-3.3pp	27.8%+3.4pp	24.4%-0.4pp	24.8%-3.9pp
Returns
Return on equity	5.6%-2.0pp	7.6%-1.9pp	9.5%-0.3pp	9.8%-0.1pp	9.9%+0.3pp
Return on assets	0.6%-0.2pp	0.8%-0.2pp	1%0.0pp	1%0.0pp	1.1%0.0pp
Efficiency
Asset turnover	0×0.0×	0×0.0×	0×0.0×	0×0.0×	0×0.0×
Leverage
Debt-to-equity	0×-0.1×	0.1×+0.1×	0×0.0×	0×0.0×	0×0.0×
Debt-to-assets	0×0.0×	0×0.0×	0×0.0×	0×0.0×	0×0.0×
Valuation
Market capitalization	$402.23M+41.5%	$359.06M+16.8%	$307.35M+4.6%	$293.78M-5.6%	$311.18M+8.5%
Enterprise value	$361.02M+112%	$345.2M+85.8%	$185.75M-4.6%	$194.69M-1.2%	$197.01M+18.6%
Price / earnings	23.1×+12.6×	15.3×+4.0×	11.3×+0.4×	10.9×-0.6×	11.5×+0.5×
Price / sales	3×+0.4×	2.9×+0.2×	2.7×+0.1×	2.6×-0.2×	2.8×+0.2×
Price / book	1.2×+0.2×	1.1×0.0×	1×0.0×	1×-0.1×	1.1×+0.1×
EV / sales	2.7×+1.2×	2.8×+1.2×	1.6×-0.1×	1.7×-0.1×	1.8×+0.3×
Free cash flow yield	9.3%-0.2pp	8.4%-1.9pp	10.3%+1.0pp	9.3%+0.5pp	8.7%-2.1pp
Earnings yield	4.3%-5.1pp	6.5%-2.3pp	8.8%-0.3pp	9.2%+0.5pp	8.7%-0.4pp
Dividend yield	4.2%-1.3pp	4.5%-0.6pp	5.1%-0.2pp	5.3%+0.3pp	5%-0.4pp

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Where do Citizens & Northern's ratios come from?: Every ratio is computed from Citizens & Northern's SEC filings — trailing-twelve-month flows over period-end balances. Valuation multiples combine those fundamentals with market data, recomputed each period. Switch between quarterly, annual, and TTM, or open any ratio for its full history and peer comparisons.