Last 47 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
Citizens & Northern Corporation's quarterly P/E stands at 20.2x, up 129.9% year-over-year — indicating the stock has re-rated higher or earnings have softened. EV/EBITDA has expanded 170.3% YoY to 23.3x, reflecting rising market expectations or slowing EBITDA growth.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 14.92 | 20.17 | 11.79 | 11.84 | 12.27 | 8.77 | 12.01 | 11.18 | 13.41 | 20.03 | 8.78 | 12.37 | 13.36 |
| — | +129.9% | -1.8% | +5.9% | -8.5% | -56.2% | +36.8% | -9.6% | +0.4% | +75.2% | -57.9% | -1.7% | -3.5% | |
| P/S Ratio | 2.53 | 2.47 | 1.88 | 1.81 | 2.01 | 1.77 | 1.89 | 1.76 | 1.96 | 2.39 | 1.89 | 2.15 | 2.63 |
| — | +39.7% | -0.5% | +2.6% | +2.8% | -25.9% | -0.1% | -17.8% | -25.7% | -14.4% | -40.9% | -36.1% | -24.9% | |
| P/B Ratio | 1.02 | 1.04 | 1.04 | 1.02 | 1.10 | 1.04 | 1.08 | 1.04 | 1.09 | 1.30 | 1.11 | 1.18 | 1.29 |
| — | +0.1% | -4.4% | -2.1% | +0.2% | -19.6% | -2.1% | -12.4% | -15.2% | -8.0% | -28.8% | -17.9% | -6.7% | |
| P/FCF | 12.96 | 9.89 | 6.98 | 9.06 | 74.11 | 6.12 | 11.66 | 8.56 | 14.34 | 12.40 | 8.72 | 9.77 | 8.88 |
| — | +61.5% | -40.1% | +5.8% | +416.7% | -50.6% | +33.7% | -12.4% | +61.5% | +9.4% | +9.8% | -24.6% | -56.6% | |
| EV / EBITDA | 18.75 | 23.34 | 10.37 | 11.60 | 11.77 | 8.63 | 10.19 | 12.92 | 17.11 | 19.23 | 10.07 | 13.39 | 15.45 |
| — | +170.3% | +1.7% | -10.3% | -31.2% | -55.1% | +1.2% | -3.5% | +10.7% | +63.4% | -39.5% | +9.5% | +62.5% | |
| EV / EBIT | 18.75 | 23.34 | 11.09 | 12.46 | 12.61 | 9.10 | 10.95 | 13.87 | 18.46 | 20.91 | 10.63 | 14.35 | 16.60 |
| — | +156.3% | +1.3% | -10.1% | -31.7% | -56.5% | +3.0% | -3.4% | +11.2% | +67.0% | -44.2% | +11.2% | +64.7% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
Citizens & Northern Corporation's operating margin was 15.0% in Q4 2025, down 4.9 pp QoQ and down 10.0 pp YoY. The trailing four-quarter average of 18.4% exceeds the current quarter, suggesting the latest result may reflect seasonal weakness or a one-off headwind. Gross margin contracted 13.2% YoY, suggesting cost inflation or competitive pricing pressure.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 65.3% | 60.4% | 66.5% | 66.0% | 68.8% | 69.6% | 64.4% | 67.8% | 66.5% | 67.4% | 76.6% | 75.3% | 84.0% |
| — | -13.2% | +3.2% | -2.7% | +3.5% | +3.2% | -15.9% | -9.9% | -20.9% | -17.3% | -0.8% | -18.9% | -8.1% | |
| Operating Margin | 18.6% | 15.0% | 19.8% | 18.7% | 20.1% | 25.0% | 19.7% | 19.3% | 17.7% | 16.6% | 26.9% | 21.8% | 24.5% |
| — | -40.1% | +0.8% | -3.0% | +13.7% | +50.1% | -26.8% | -11.3% | -27.8% | -45.2% | +46.7% | -33.5% | -20.4% | |
| Net Margin | 15.2% | 12.4% | 16.2% | 15.2% | 16.4% | 20.2% | 16.0% | 15.8% | 14.5% | 12.0% | 21.6% | 17.6% | 20.0% |
| — | -38.5% | +1.1% | -3.6% | +13.0% | +68.5% | -25.9% | -10.5% | -27.3% | -51.6% | +40.7% | -34.5% | -21.1% |
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 7.6% | 1.4% | 2.3% | 2.2% | 2.3% | 3.0% | 2.4% | 2.3% | 2.0% | 1.7% | 3.1% | 2.4% | 2.5% |
| — | -52.5% | -4.1% | -7.6% | +11.6% | +74.5% | -24.2% | -2.9% | -18.2% | -46.8% | +73.6% | -14.3% | +3.8% | |
| ROA | 0.8% | 0.2% | 0.2% | 0.2% | 0.2% | 0.3% | 0.2% | 0.2% | 0.2% | 0.2% | 0.3% | 0.2% | 0.3% |
| — | -50.2% | +2.8% | -1.8% | +14.5% | +81.5% | -21.1% | -3.2% | -17.8% | -46.8% | +65.4% | -21.9% | -13.5% | |
| ROIC | 4.2% | 0.8% | 1.3% | 1.2% | 1.2% | 1.5% | 1.2% | 1.1% | 1.0% | 1.0% | 1.6% | 1.2% | 1.3% |
| — | -47.6% | +10.2% | +6.8% | +21.0% | +56.4% | -29.2% | -8.0% | -20.5% | -47.3% | +56.7% | -31.4% | -27.7% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
Citizens & Northern Corporation's Debt/EBITDA ratio is 35.8x, up from 20.3x last quarter — elevated, raising questions about debt serviceability. The current ratio has improved 25.5% YoY to 0.21x, strengthening the short-term liquidity position. Debt/Equity has declined for 7 consecutive quarters, reflecting a deleveraging trend.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.56 | 0.57 | 0.59 | 0.64 | 0.69 | 0.75 | 0.81 | 0.92 | 0.91 | 0.81 | 0.78 | 0.75 | 0.91 |
| — | -25.0% | -27.2% | -30.1% | -23.8% | -6.5% | +4.0% | +22.6% | +0.1% | +10.7% | +92.2% | +16.8% | +254.0% | |
| Debt / EBITDA | 6.74 | 35.80 | 20.32 | 22.76 | 23.59 | 19.46 | 26.90 | 30.18 | 34.05 | 32.88 | 18.87 | 23.28 | 28.12 |
| — | +84.0% | -24.5% | -24.6% | -30.7% | -40.8% | +42.6% | +29.6% | +21.1% | +83.8% | +18.0% | +34.7% | +253.5% | |
| Current Ratio | 1.11 | 0.21 | 0.16 | 0.17 | 0.25 | 0.17 | 0.28 | 0.24 | 0.22 | 0.24 | 0.24 | 0.24 | 0.26 |
| — | +25.5% | -43.3% | -31.5% | +13.8% | -27.5% | +18.3% | -0.4% | -15.1% | -10.3% | -13.0% | -15.9% | -20.5% | |
| Quick Ratio | 1.11 | 0.21 | 0.16 | 0.17 | 0.25 | 0.17 | 0.28 | 0.24 | 0.22 | 0.24 | 0.24 | 0.24 | 0.26 |
| — | +25.5% | -43.3% | -31.5% | +13.8% | -27.5% | +18.3% | -0.4% | -15.1% | -10.3% | -13.0% | -15.9% | -20.5% | |
| Interest Coverage | 0.60 | 0.42 | 0.70 | 0.67 | 0.66 | 0.79 | 0.60 | 0.63 | 0.57 | 0.56 | 1.00 | 0.98 | 1.43 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 47 years · Updated daily
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Citizens & Northern Corporation's current P/E is 14.9x. The average P/E over the last 4 quarters is 14.0x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Citizens & Northern Corporation's current operating margin is 18.6%. Margins have been compressing over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Citizens & Northern Corporation's business trajectory between earnings reports.