Last 48 quarters of trend data · Financial Services · Regional Banks
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 14.16 | 6.80 | 7.38 | 360.32 | 20.17 | 11.79 | 11.84 | 12.27 | 8.77 | 12.01 | 11.18 | 13.41 | 20.03 | 8.78 | 12.37 | 13.36 | 11.43 | 20.84 | 12.59 | 13.85 | 14.20 |
| — | -42.3% | -37.7% | +2837.0% | +129.9% | -1.8% | +5.9% | -8.5% | -56.2% | +36.8% | -9.6% | +0.4% | +75.2% | -57.9% | -1.7% | -3.5% | -19.5% | +55.1% | -9.6% | +28.2% | +23.1% | |
| P/S Ratio | 3.96 | 2.81 | 3.79 | 2.69 | 3.86 | 2.62 | 2.52 | 2.90 | 2.59 | 2.81 | 2.54 | 2.83 | 3.41 | 2.59 | 2.76 | 3.18 | 3.15 | 3.55 | 3.57 | 3.70 | 3.97 |
| — | +7.3% | +50.5% | -7.2% | +48.8% | -6.6% | -1.1% | +2.3% | -23.9% | +8.3% | -7.9% | -10.8% | +8.3% | -27.0% | -22.7% | -14.1% | -20.7% | -8.8% | -9.5% | +4.2% | +32.3% | |
| P/B Ratio | 1.30 | 1.30 | 1.19 | 1.18 | 1.04 | 1.04 | 1.02 | 1.10 | 1.04 | 1.08 | 1.04 | 1.09 | 1.30 | 1.11 | 1.18 | 1.29 | 1.41 | 1.56 | 1.44 | 1.38 | 1.36 |
| — | +25.2% | +17.1% | +7.4% | +0.1% | -4.4% | -2.1% | +0.2% | -19.6% | -2.1% | -12.4% | -15.2% | -8.0% | -28.8% | -17.9% | -6.7% | +4.0% | +17.4% | +12.9% | +9.9% | +29.6% | |
| P/FCF | 9.38 | 5.82 | 6.59 | 11.65 | 8.80 | 6.98 | 9.06 | 74.11 | 6.12 | 11.66 | 8.56 | 14.34 | 12.40 | 8.72 | 9.77 | 8.88 | 11.33 | 7.94 | 12.96 | 20.49 | 11.32 |
| — | -16.6% | -27.2% | -84.3% | +43.7% | -40.1% | +5.8% | +416.7% | -50.6% | +33.7% | -12.4% | +61.5% | +9.4% | +9.8% | -24.6% | -56.6% | +0.1% | -25.6% | +22.6% | +19.0% | +38.6% | |
| EV / EBITDA | 16.21 | 3.92 | 352.59 | 130.68 | 20.70 | 10.37 | 11.60 | 11.77 | 8.63 | 10.19 | 12.92 | 17.11 | 19.23 | 10.07 | 13.39 | 15.45 | 11.77 | 16.64 | 12.23 | 9.51 | 10.01 |
| — | -62.2% | +2939.8% | +1010.6% | +139.7% | +1.7% | -10.3% | -31.2% | -55.1% | +1.2% | -3.5% | +10.7% | +63.4% | -39.5% | +9.5% | +62.5% | +17.5% | +120.8% | +67.1% | +76.5% | +16.4% | |
| EV / EBIT | 22.60 | 3.92 | — | 398.68 | 23.34 | 11.09 | 12.46 | 12.61 | 9.10 | 10.95 | 13.87 | 18.46 | 20.91 | 10.63 | 14.35 | 16.60 | 12.52 | 19.05 | 12.91 | 10.08 | 10.60 |
| — | -64.7% | — | +3061.2% | +156.3% | +1.3% | -10.1% | -31.7% | -56.5% | +3.0% | -3.4% | +11.2% | +67.0% | -44.2% | +11.2% | +64.7% | +18.1% | +138.8% | +66.5% | +78.2% | +15.5% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 94.3% | 108.0% | 49.2% | 62.9% | 94.3% | 92.6% | 91.8% | 99.1% | 101.9% | 95.5% | 97.9% | 96.2% | 96.2% | 104.8% | 96.9% | 101.4% | 91.9% | 85.5% | 98.8% | 96.5% | 95.6% |
| — | +16.7% | -46.4% | -36.6% | -7.5% | -3.1% | -6.2% | +3.0% | +6.0% | -8.9% | +1.0% | -5.1% | +4.7% | +22.6% | -1.9% | +5.0% | -3.9% | -9.0% | +1.9% | -2.5% | -2.1% | |
| Operating Margin | 26.8% | 51.6% | -1.2% | 0.9% | 23.4% | 27.6% | 26.1% | 29.0% | 36.6% | 29.2% | 27.9% | 25.6% | 23.7% | 36.8% | 28.1% | 29.6% | 34.2% | 20.3% | 34.9% | 32.5% | 34.9% |
| — | +86.9% | -104.7% | -96.8% | -36.1% | -5.4% | -6.5% | +13.2% | +54.2% | -20.7% | -0.6% | -13.4% | -30.6% | +81.1% | -19.6% | -9.1% | -2.0% | -42.3% | -2.8% | -20.9% | +10.6% | |
| Net Margin | 21.9% | 41.2% | 51.8% | 0.7% | 19.3% | 22.6% | 21.2% | 23.7% | 29.5% | 23.8% | 22.8% | 21.0% | 17.1% | 29.6% | 22.7% | 24.1% | 27.9% | 17.0% | 28.7% | 26.8% | 28.4% |
| — | +82.5% | +144.3% | -96.9% | -34.5% | -5.1% | -7.1% | +12.5% | +73.1% | -19.7% | +0.3% | -12.8% | -38.7% | +73.7% | -20.8% | -9.8% | -1.9% | -41.3% | +0.1% | -19.2% | +9.6% |
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 7.6% | 4.7% | 4.1% | 0.1% | 1.4% | 2.3% | 2.2% | 2.3% | 3.0% | 2.4% | 2.3% | 2.0% | 1.7% | 3.1% | 2.4% | 2.5% | 3.2% | 1.8% | 2.8% | 2.4% | 2.4% |
| — | +109.2% | +91.5% | -96.4% | -52.5% | -4.1% | -7.6% | +11.6% | +74.5% | -24.2% | -2.9% | -18.2% | -46.8% | +73.6% | -14.3% | +3.8% | +31.0% | -26.9% | +19.8% | -18.5% | +7.1% | |
| ROA | 0.8% | 0.5% | 0.4% | 0.0% | 0.2% | 0.2% | 0.2% | 0.2% | 0.3% | 0.2% | 0.2% | 0.2% | 0.2% | 0.3% | 0.2% | 0.3% | 0.3% | 0.2% | 0.3% | 0.3% | 0.3% |
| — | +108.1% | +89.9% | -96.4% | -50.2% | +2.8% | -1.8% | +14.5% | +81.5% | -21.1% | -3.2% | -17.8% | -46.8% | +65.4% | -21.9% | -13.5% | +2.7% | -41.3% | +4.5% | -23.0% | +5.8% | |
| ROIC | 4.2% | 3.0% | -0.0% | 0.0% | 0.8% | 1.3% | 1.2% | 1.2% | 1.5% | 1.2% | 1.1% | 1.0% | 1.0% | 1.6% | 1.2% | 1.3% | 1.9% | 1.0% | 1.8% | 1.7% | 1.8% |
| — | +133.6% | -104.0% | -96.1% | -47.6% | +10.2% | +6.8% | +21.0% | +56.4% | -29.2% | -8.0% | -20.5% | -47.3% | +56.7% | -31.4% | -27.7% | +6.2% | -38.8% | +3.5% | -18.7% | +20.4% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.56 | 0.48 | 0.49 | 0.58 | 0.57 | 0.59 | 0.64 | 0.69 | 0.75 | 0.81 | 0.92 | 0.91 | 0.81 | 0.78 | 0.75 | 0.91 | 0.73 | 0.41 | 0.64 | 0.26 | 0.26 |
| — | -19.7% | -23.7% | -16.8% | -25.0% | -27.2% | -30.1% | -23.8% | -6.5% | +4.0% | +22.6% | +0.1% | +10.7% | +92.2% | +16.8% | +254.0% | +183.3% | +38.2% | +107.6% | +0.0% | -15.4% | |
| Debt / EBITDA | 6.23 | 5.03 | 480.32 | 188.89 | 31.76 | 20.32 | 22.76 | 23.59 | 19.46 | 26.90 | 30.18 | 34.05 | 32.88 | 18.87 | 23.28 | 28.12 | 17.89 | 15.99 | 17.28 | 7.96 | 8.15 |
| — | -75.2% | +2010.0% | +700.8% | +63.2% | -24.5% | -24.6% | -30.7% | -40.8% | +42.6% | +29.6% | +21.1% | +83.8% | +18.0% | +34.7% | +253.5% | +119.4% | +72.0% | +72.1% | +18.7% | -21.3% | |
| Current Ratio | 1.11 | 0.23 | 40.31 | 1.23 | 0.21 | 0.16 | 0.17 | 0.25 | 0.17 | 0.28 | 0.24 | 0.22 | 0.24 | 0.24 | 0.24 | 0.26 | 0.26 | 0.27 | 0.29 | 0.33 | 0.32 |
| — | +45.6% | +24069.6% | +385.9% | +25.5% | -43.3% | -31.5% | +13.8% | -27.5% | +18.3% | -0.4% | -15.1% | -10.3% | -13.0% | -15.9% | -20.5% | -18.8% | -17.1% | -7.1% | +11.5% | +31.3% | |
| Quick Ratio | 1.11 | 0.23 | 40.31 | 1.23 | 0.21 | 0.16 | 0.17 | 0.25 | 0.17 | 0.28 | 0.24 | 0.22 | 0.24 | 0.24 | 0.24 | 0.26 | 0.26 | 0.27 | 0.29 | 0.33 | 0.32 |
| — | +45.6% | +24069.6% | +385.9% | +25.5% | -43.3% | -31.5% | +13.8% | -27.5% | +18.3% | -0.4% | -15.1% | -10.3% | -13.0% | -15.9% | -20.5% | -18.8% | -17.1% | -7.1% | +11.5% | +31.3% | |
| Interest Coverage | 0.60 | 2.69 | -0.03 | 0.03 | 0.42 | 0.70 | 0.67 | 0.66 | 0.79 | 0.60 | 0.63 | 0.57 | 0.56 | 1.00 | 0.98 | 1.43 | 2.68 | 1.88 | 5.41 | 5.81 | 5.87 |
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Includes 30+ ratios · 48 years · Updated daily
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Quick answers to the most common questions about buying CZNC stock.
Citizens & Northern Corporation's current P/E is 14.2x. The average P/E over the last 4 quarters is 98.7x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Citizens & Northern Corporation's current operating margin is 26.8%. Margins have been expanding 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.