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
Returns
Return on equity	5.6%-4.3pp	7.6%-2.1pp	9.5%+1.0pp	9.8%+0.7pp	9.9%+0.9pp
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×
Valuation
Market capitalization	$402.23M+41.5%	$359.06M+25.2%	$307.35M+2.3%	$293.78M+7.8%	$311.18M+8.8%
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×
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.