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Citizens & Northern Corp

NAS:CZNCFinancial ServicesCBOEFTSE:MRUTNASDAQ:BANK

$25.39−0.43%At closeAt close · Tue 20 Oct · ≈ AED 93.24 · Market cap $455.37M · Next earnings Mon 19 Oct

Ratio	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025	Current · undated	YoY
Gross margin	86.6%	90.6%	85.5%	75.6%	67.1%	65.3%	—	—
Operating margin	23.1%	34.6%	28.0%	22.4%	20.5%	18.6%	18.6%	+0.0 pts
Net margin	19.1%	28.0%	23.1%	17.7%	16.7%	15.2%	15.2%	+0.0 pts
EBITDA margin	25.1%	36.5%	30.1%	24.0%	21.9%	20.1%	—	—
Return on equity	6.4%	10.1%	10.7%	9.2%	9.4%	6.9%	6.9%	+0.0 pts
Return on assets	0.9%	1.3%	1.1%	1.0%	1.0%	0.7%	0.7%	+0.0 pts
Return on capital employed	6.3%	10.0%	10.4%	6.5%	6.2%	0.9%	—	—
Debt / equity	0.3×	0.3×	0.7×	0.8×	0.8×	0.6×	0.6×	+0.0%
Debt / assets	4.1%	3.3%	7.4%	8.4%	8.0%	6.2%	—	—
Interest coverage	2.4×	5.7×	3.4×	0.9×	0.7×	0.6×	—	—
Current ratio	0.2×	0.3×	0.3×	0.2×	0.2×	1.1×	1.1×	+0.0%
Quick ratio	0.2×	0.3×	0.3×	0.2×	0.2×	1.1×	—	—
Cash ratio	0.1×	0.1×	0.0×	0.0×	0.1×	1.1×	1.1×	+0.0%
Asset turnover	0.0×	0.0×	0.0×	0.1×	0.1×	0.0×	—	—
Receivables turnover	12.1×	15.1×	13.3×	14.9×	17.8×	13.3×	—	—
Dividend payout	75.3%	52.3%	59.6%	64.5%	59.8%	69.5%	—	—