Citizens & Northern Corporation
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from Citizens & Northern Corporation's yearly results (2022–2025), compared with Financial Services companies in United States. Tap ? on any ratio for what it means.
What stands out
- Growth Efficiency Ratio: Sales grew 14% in 3 years, but profit fell: $21 less profit per $100 of extra sales. Lower than 86% of Financial Services companies in United States.
Cash quality
Profit Cash Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Self-Funding Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Locked Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Growth quality
Steadiness Ratio
2/3 · 1/3Sales grew in 2 of the last 3 years; profit grew in 1 of 3.
Less steady than 71% of Financial Services companies in United States.
Growth Efficiency Ratio
−$21Sales grew 14% in 3 years, but profit fell: $21 less profit per $100 of extra sales.
Lower than 86% of Financial Services companies in United States.
Asset Productivity Ratio
+14% / +28%In 3 years sales changed by +14% while total assets changed by +28%. Assets grew faster than sales.
Balance-sheet strength
Debt Due Cover Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Cushion Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Tangible Assets Ratio
98%Of every $100 the company owns, $98 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles.
Less tangible than 53% of Financial Services companies in United States.
Tangible Net Worth Ratio
78%Of every $100 of net worth, $78 is tangible; the rest is goodwill and other intangibles, often from buying other companies.
Less tangible than 59% of Financial Services companies in United States.
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (11)
Citizens & Northern Corporation owes $0.89 for every $1 it owns. Net profit fell 10% in the year to Dec 2025, and shrank 4% a year on average over 3 years.
Compared with Financial Services companies in United States · latest annual results Dec 2025.
P/E ratio
18.1Investors pay $18.1 for every $1 of Citizens & Northern Corporation's yearly profit, higher than 71% of Financial Services companies in United States.
P/B ratio
1.38The share price is 1.38 times Citizens & Northern Corporation's book value per share, higher than 59% of Financial Services companies in United States.
Market cap
$478 MThe total market value of all of Citizens & Northern Corporation's shares at today's price (share price × number of shares), smaller than 59% of Financial Services companies in United States. PosiCap size class: Mini Cap.
Net worth (book value)
$346 MWhat Citizens & Northern Corporation would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (30 Jun 2026).
Book value per share
$19.30Net worth divided by the number of shares. The share price of $26.64 is 1.4 times this, which is the P/B above.
Return on equity (ROE)
8.0%Citizens & Northern Corporation earned 8.0% on its shareholders' money over the last year, lower than 65% of Financial Services companies in United States.
Owes vs Owns
0.89×Citizens & Northern Corporation owes $0.89 for every $1 it owns (high), higher than 74% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Dividend yield
4.38%Citizens & Northern Corporation pays 4.38% of its share price as dividends a year, higher than 71% of dividend-paying Financial Services companies in United States.
Revenue growth
+13%Revenue rose 13% in the year to Dec 2025, and grew 4% a year on average over 3 years.
Profit growth
-10%Net profit fell 10% in the year to Dec 2025, and shrank 4% a year on average over 3 years.
Profit margin
19.4%Citizens & Northern Corporation keeps $19 of every $100 of revenue as net profit.
Questions
What is Citizens & Northern Corporation's P/E ratio?
Investors pay $18.1 for every $1 of Citizens & Northern Corporation's yearly profit, higher than 71% of Financial Services companies in United States.
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For Citizens & Northern Corporation: $478 M ÷ $346 M (30 Jun 2026) = 1.4.
What is Citizens & Northern Corporation's return on equity?
Citizens & Northern Corporation earned 8.0% on its shareholders' money over the last year, lower than 65% of Financial Services companies in United States.
How much does Citizens & Northern Corporation owe compared with what it owns?
Citizens & Northern Corporation owes $0.89 for every $1 it owns (high), higher than 74% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Does Citizens & Northern Corporation pay a dividend?
Yes. Citizens & Northern Corporation pays 4.38% of its share price as dividends a year, higher than 71% of dividend-paying Financial Services companies in United States.
Is Citizens & Northern Corporation's revenue growing?
Revenue rose 13% in the year to Dec 2025, and grew 4% a year on average over 3 years.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.