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.

	FY'25	FY'24	FY'23	FY'22
Profitability
Net margin	19.1%-4.9pp	24%+0.9pp	23%-1.7pp	24.7%-4.7pp
Free cash flow margin	24.5%-4.2pp	28.7%-1.1pp	29.8%+0.7pp	29.1%-2.7pp
Returns
Return on equity	7.6%-2.1pp	9.7%+0.2pp	9.4%-0.2pp	9.7%-0.5pp
Return on assets	0.8%-0.2pp	1%0.0pp	1%-0.1pp	1.1%-0.2pp
Efficiency
Asset turnover	0×0.0×	0×0.0×	0×0.0×	0×0.0×
Leverage
Debt-to-equity	0.1×+0.1×	0×-0.1×	0.1×-0.2×	0.3×+0.3×
Debt-to-assets	0×0.0×	0×0.0×	0×0.0×	0×0.0×
Valuation
Market capitalization	$402.23M+41.5%	$286.7M-15.8%	$340.38M-3.2%	$351.46M-14.0%
Enterprise value	$361.02M+112%	$166.17M-48.2%	$320.94M-15.7%	$380.61M+23.1%
Price / earnings	23.1×+12.6×	11×-3.1×	14.1×+0.9×	13.2×-0.2×
Price / sales	3×+0.4×	2.6×-0.6×	3.2×0.0×	3.3×-0.7×
Price / book	1.2×+0.2×	1×-0.3×	1.3×-0.1×	1.4×+0.1×
EV / sales	2.7×+1.2×	1.5×-1.5×	3.1×-0.5×	3.5×+0.6×
Free cash flow yield	9.3%-0.2pp	10.9%+1.7pp	9.2%+0.3pp	8.9%+0.8pp
Earnings yield	4.3%-5.1pp	9.1%+2.0pp	7.1%-0.5pp	7.6%+0.1pp
Dividend yield	4.2%-1.3pp	5.4%+0.8pp	4.6%+0.1pp	4.5%+0.6pp

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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.