Citizens & Northern (CZNC) Debt Ratio (2010 - 2026)
Citizens & Northern's (CZNC) Debt Ratio was 0.05 for Q2 2026, down 16.8% from 0.06 a year earlier and down 4.9% from the prior quarter.
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Analysis
Citizens & Northern (CZNC) Debt Ratio (2010 - 2026) Analysis & Trends
Dating back to Q4 2010, Citizens & Northern's Debt Ratio record includes 62 quarters.
- By year, Debt Ratio came in at 0.06 in FY2024 (-6.0%), 0.07 in FY2023 (+18.0%), 0.06 in FY2022 (+288.0%) and 0.01 in FY2021 (-55.1%).
- The Q2 2026 figure ranks as the lowest quarterly Debt Ratio since Q3 2022.
- Year over year, Debt Ratio has now declined in each of the last seven quarters, with an average decline of 16.5% over the last eight quarters.
- The high point for year-over-year Debt Ratio in five years was Q1 2023 (growth of 420.6%); the low point was Q3 2021 (a decline of 71.8%).
- Per Business Quant data, the three quarters before Q2 2026 came in at 0.05 (Q1 2026), 0.05 (Q4 2025) and 0.05 (Q3 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Debt Ratio (Qtr) |
|---|---|---|---|---|---|
| 1 | Jpmorgan Chase | 890.60 Bn | 920.07 Bn | - | 0.01 |
| 2 | Banco Santander Chile | 421.74 Bn | 541.68 Bn | - | 0.05 |
| 3 | Bank Of America | 385.85 Bn | -1,990.22 Bn | - | 0.02 |
| 4 | Hsbc Holdings | 345.94 Bn | 345.99 Bn | - | - |
| 5 | Morgan Stanley | 303.15 Bn | -205.95 Bn | - | 0.02 |
| 6 | Royal Bank Of Canada | 279.82 Bn | 130.57 Bn | - | 0.22 |
| 7 | Mitsubishi Ufj Financial | 274.62 Bn | -1,313.87 Bn | 10.89 Bn | 0.04 |
| 8 | Goldman Sachs | 267.07 Bn | -3,290.04 Bn | - | 0.21 |
| 9 | Wells Fargo & Company | 243.79 Bn | 245.93 Bn | - | 0.01 |
| 10 | Citizens & Northern | 453.58 Mn | 141.70 Mn | - | 0.05 |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 0.05 |
| Mar 31, 2026 | 0.05 |
| Dec 31, 2025 | 0.05 |
| Sep 30, 2025 | 0.05 |
| Jun 30, 2025 | 0.06 |
| Mar 31, 2025 | 0.06 |
| Dec 31, 2024 | 0.06 |
| Sep 30, 2024 | 0.07 |
| Jun 30, 2024 | 0.08 |
| Mar 31, 2024 | 0.08 |
| Dec 31, 2023 | 0.07 |
| Sep 30, 2023 | 0.06 |
| Jun 30, 2023 | 0.06 |
| Mar 31, 2023 | 0.08 |
| Dec 31, 2022 | 0.06 |
| Sep 30, 2022 | 0.02 |
| Jun 30, 2022 | 0.05 |
| Mar 31, 2022 | 0.02 |
| Dec 31, 2021 | 0.01 |
| Sep 30, 2021 | 0.02 |
API Access
Citizens & Northern Debt Ratio API
Pull this series into your own models, spreadsheets and apps with the Business Quant
Historical Metrics API. The request below matches the chart above — change the
frequency, period or values and it follows. Swap YOUR_API_KEY for your own key.
https://data.businessquant.com/historic?slug=debt-ratio&ticker=CZNC&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "debt-ratio", "ticker": "CZNC", "period": "max", "api_key": "YOUR_API_KEY"}
data = requests.get(url, params=params).json()const res = await fetch("https://data.businessquant.com/historic?slug=debt-ratio&ticker=CZNC&period=max&api_key=YOUR_API_KEY");
const data = await res.json();