Citizens & Northern (CZNC) Interest Coverage Ratio (2010 - 2026)

Citizens & Northern has reported Interest Coverage Ratio for 17 years, with the latest figure at 1.03 in Q1 2026.

• For the quarter ending Q1 2026, Interest Coverage Ratio fell 37.97% year-over-year to 1.03; the trailing twelve-month figure through Mar 2026 stood at 1.45 (down 13.47% YoY), and the FY2025 full-year result was 0.13, down 7.1% from the prior year.
• Interest Coverage Ratio for Q1 2026 stood at 1.03, down from 1.42 in the prior quarter.
• The five-year high for Interest Coverage Ratio was 6.81 in Q1 2022, with the low at 1.03 in Q1 2026.
• Historically, Interest Coverage Ratio has averaged 2.46 across 5 years, with a median of 1.7 in 2025.
• Annual changes were most pronounced in 2023 — Interest Coverage Ratio tumbled 69.17% — and 2024, when it rose 14.83%.
• Citizens & Northern's Interest Coverage Ratio stood at 3.68 in 2022, then slumped by 57.71% to 1.56 in 2023, then increased by 14.83% to 1.79 in 2024, then decreased by 20.72% to 1.42 in 2025, then retreated by 27.48% to 1.03 in 2026.
• The last three Interest Coverage Ratio figures came in at 1.03 (Q1 2026), 1.42 (Q4 2025), and 1.7 (Q3 2025), per Business Quant data.