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%-11.4pp	19.1%-4.9pp	23.8%+3.0pp	24.2%+1.9pp	24.6%+2.3pp
Free cash flow margin	28.3%+3.5pp	24.5%-4.2pp	27.8%+3.0pp	24.4%-1.9pp	24.8%-1.1pp
Returns
Return on equity	5.6%-4.3pp	7.6%-2.1pp	9.5%+1.0pp	9.8%+0.7pp	9.9%+0.9pp
Return on assets	0.6%-0.4pp	0.8%-0.2pp	1%+0.2pp	1%+0.1pp	1.1%+0.1pp
Efficiency
Asset turnover	0×0.0×	0×0.0×	0×0.0×	0×0.0×	0×0.0×
Leverage
Debt-to-equity	0×0.0×	0.1×+0.1×	0×0.0×	0×-0.1×	0×-0.2×
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+25.2%	$307.35M+2.3%	$293.78M+7.8%	$311.18M+8.8%
Enterprise value	$361.02M+112%	$345.2M+108%	$185.75M+45.4%	$194.69M+3.0%	$197.01M-31.7%
Price / earnings	23.1×+12.6×	15.3×+4.3×	11.3×-2.3×	10.9×-0.8×	11.5×-0.8×
Price / sales	3×+0.4×	2.9×+0.3×	2.7×-0.1×	2.6×0.0×	2.8×+0.1×
Price / book	1.2×+0.2×	1.1×0.0×	1×0.0×	1×0.0×	1.1×0.0×
EV / sales	2.7×+1.2×	2.8×+1.3×	1.6×+0.4×	1.7×-0.1×	1.8×-1.0×
Free cash flow yield	9.3%-0.2pp	8.4%-2.5pp	10.3%+1.6pp	9.3%-0.8pp	8.7%-0.7pp
Earnings yield	4.3%-5.1pp	6.5%-2.5pp	8.8%+1.5pp	9.2%+0.6pp	8.7%+0.5pp
Dividend yield	4.2%-1.3pp	4.5%-0.9pp	5.1%-0.1pp	5.3%-0.4pp	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.