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CITIZENS & NORTHERN CORP CZNC

Rank #974 · Nasdaq · $0.5B market cap
Audited by Crowe LLP, no going-concern flag in the latest filing.
Score
55.3
P/E
20.8
P/B
2.01
ROE
9.7%
Op. Margin
–%
Debt Ratio
937%

Health Check — percentile rank within this universe, based on the latest annual filing

Valuation ★★★☆☆
Good

P/E 20.8x, P/B 2.01x. Ranks in the top 32% of the universe.

Profitability ★★★☆☆
Average

ROE 9.7%. Ranks in the top 47% of the universe.

Safety ★☆☆☆☆
Poor

Debt ratio 937%. Ranks in the top 89% of the universe. Above 200% signals meaningful leverage risk.

Growth –
No data

Not enough historical filings to compute year-over-year growth yet.

Valuation is the relative strength · Safety is the relative weakness (relative to this universe).

Financials annual, from SEC 10-K filings

FYRevenueOp. IncomeNet IncomeEquityOp. Margin%Debt%
2011––$-0.0B$0.1B–965
2012––$0.0B$0.2B–759
2013––$0.0B$0.2B–604
2014––$0.0B$0.2B–590
2015––$0.0B$0.2B–559
2016––$0.0B$0.2B–577
2017––$0.0B$0.2B–561
2018––$0.0B$0.2B–585
2019––$0.0B$0.2B–580
2020––$0.0B$0.2B–714
2021––$0.0B$0.2B–793
2022––$0.0B$0.2B–829
2023––$0.0B$0.3B–736
2024––$0.0B$0.3B–748
2025––$0.0B$0.2B–937

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