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Asset Utilization RatioAssets AverageDebt RatioDebt to EquityEBIT MarginEBITDA MarginEBT MarginEnterprise ValueEquity AverageEquity RatioFCF MarginFCF Payout RatioInterest Coverage RatioInvested CapitalNet MarginReturn on AssetsReturn on EquityReturn on Invested CapitalReturn on SalesTimes Interest Earned

Citizens & Northern (CZNC) Debt Ratio (2017 - 2025)

Citizens & Northern's Debt Ratio history spans 9 years, with the latest figure at 0.01 for Q4 2025.

  • For Q4 2025, Debt Ratio rose 32.97% year-over-year to 0.01; the TTM value through Dec 2025 reached 0.01, up 32.97%, while the annual FY2025 figure was 0.01, 32.97% up from the prior year.
  • Debt Ratio reached 0.01 in Q4 2025 per CZNC's latest filing, up from 0.01 in the prior quarter.
  • In the past five years, Debt Ratio ranged from a high of 0.08 in Q1 2023 to a low of 0.01 in Q3 2021.
  • Average Debt Ratio over 5 years is 0.03, with a median of 0.02 recorded in 2023.
  • Peak YoY movement for Debt Ratio: surged 703.17% in 2023, then crashed 87.57% in 2025.
  • A 5-year view of Debt Ratio shows it stood at 0.01 in 2021, then surged by 414.71% to 0.06 in 2022, then crashed by 59.86% to 0.02 in 2023, then tumbled by 55.07% to 0.01 in 2024, then skyrocketed by 32.97% to 0.01 in 2025.
  • Per Business Quant, the three most recent readings for CZNC's Debt Ratio are 0.01 (Q4 2025), 0.01 (Q3 2025), and 0.06 (Q2 2025).