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
Returns
Return on equity	7.6%-2.1pp	9.7%+0.2pp	9.4%-0.2pp	9.7%-0.5pp
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×
Valuation
Market capitalization	$402.23M+41.5%	$286.7M-15.8%	$340.38M-3.2%	$351.46M-14.0%
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×
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.