Citizens & Northern Corporation

Citizens & Northern Corporationverified

CZNC

Price:

$20.5

Market Cap:

$314.68M

Citizens & Northern Corporation operates as the bank holding company for Citizens & Northern Bank that provides a range of banking and mortgage services to individual and corporate customers. The company offers lending products include commercial, mortgage, and consumer loans, as well as specialized instruments, such as commercial letters-of-credit; and deposit products, including various types of checking accounts, passbook and statement savings accounts, money market accounts, interest checking accounts, individual retirement accounts, and certificates of deposits. It also offers wealth management services, including administration of trusts and estates, retirement plans, and other employe...[Read more]

Industry

Banks - Regional

IPO Date

1994-04-05

Stock Exchange

NASDAQ

Ticker

CZNC

The Current Ratio as of December 2025 (TTM) for Citizens & Northern Corporation (CZNC) is 0

According to Citizens & Northern Corporation’s latest financial reports and current stock price. The company's current Current Ratio is 0. This represents a change of -100.00% compared to the average of 0.15 of the last 4 quarters.

Citizens & Northern Corporation (CZNC) Historical Current Ratio (quarterly & annually)

How has CZNC Current Ratio performed in the past?

The mean historical Current Ratio of Citizens & Northern Corporation over the last ten years is 0.31. The current 0 Current Ratio has changed -100.00% with respect to the historical average. Over the past ten years (40 quarters), CZNC's Current Ratio was at its highest in in the March 2016 quarter at 0.45. The Current Ratio was at its lowest in in the September 2025 quarter at 0.

Quarterly (TTM)
Annual

Average

0.31

Median

0.30

Minimum

0.17

Maximum

0.45

Citizens & Northern Corporation (CZNC) Current Ratio by Quarter and Year

Discovering the peaks and valleys of Citizens & Northern Corporation Current Ratio, unveiling quarterly and yearly fluctuations to gain insights into the company’s financial performance and market dynamics, offering valuable data for investors and analysts alike.

Maximum Annual Increase = 31.30%

Maximum Annual Current Ratio = 0.45

Minimum Annual Increase = -27.52%

Minimum Annual Current Ratio = 0.17

Quarterly (TTM)
Annual
YearCurrent RatioChange
20240.17-27.52%
20230.24-10.31%
20220.26-18.80%
20210.3231.30%
20200.25-14.12%
20190.29-25.16%
20180.383.20%
20170.37-10.14%
20160.41-8.15%
20150.45-15.96%

Citizens & Northern Corporation (CZNC) Average Current Ratio

How has CZNC Current Ratio performed in the past?

The current Current Ratio of Citizens & Northern Corporation (CZNC) is less than than its 3-year, less than than its 5-year, and less than than its 10-year historical averages

3-year avg

0.22

5-year avg

0.25

10-year avg

0.31

Citizens & Northern Corporation (CZNC) Current Ratio vs. Peers

How is CZNC’s Current Ratio compared to its peers?

Citizens & Northern Corporation’s Current Ratio is less than FS Bancorp, Inc. (420.25), less than Waterstone Financial, Inc. (0), less than BayCom Corp (0.02), less than Citizens Financial Services, Inc. (0.05), less than Plumas Bancorp (0), less than Colony Bankcorp, Inc. (0), less than The First Bancorp, Inc. (0), less than Isabella Bank Corporation (8.77), less than PCB Bancorp (9.78), less than John Marshall Bancorp, Inc. (4.31),

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