Citizens & Northern (CZNC) Interest Coverage Ratio (2010 - 2026)
Citizens & Northern posted quarterly Interest Coverage Ratio of 1.03 for Q1 2026, down 37.97% year-on-year from 1.66 in Q1 2025, and down 27.48% on a QoQ basis from 1.42 in Q4 2025.
Citizens & Northern (CZNC) has 17 years of Interest Coverage Ratio data on file, last reported 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.
- Across five years, Interest Coverage Ratio topped out at 6.81 in Q1 2022 and bottomed at 1.03 in Q1 2026.
- The 5-year median for Interest Coverage Ratio is 1.7 (2025), against an average of 2.46.
- The widest annual swing landed in 2023, when Interest Coverage Ratio sank 69.17%; it then rose 14.83% in 2024.
- A 5-year view of Interest Coverage Ratio shows it stood at 3.68 in 2022, then sank by 57.71% to 1.56 in 2023, then rose by 14.83% to 1.79 in 2024, then slipped by 20.72% to 1.42 in 2025, then decreased 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.
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Interest Cover (Qtr) |
|---|---|---|---|---|---|
| 1 | Bank Of Chile | 90,891.20 Bn | 90,891.20 Bn | - | -3.29 |
| 2 | Bank Bradesco | 6,807.69 Bn | 6,791.75 Bn | - | - |
| 3 | Lloyds Banking | 426.28 Bn | 426.28 Bn | - | - |
| 4 | NatWest | 184.56 Bn | 184.56 Bn | - | - |
| 5 | First Capital | 181.18 Bn | 181.03 Bn | - | 2.53 |
| 6 | Landmark Bancorp | 164.67 Bn | 164.64 Bn | - | 2.21 |
| 7 | Deutsche Bank Aktiengesellschaft | 161.63 Bn | -151,939.28 Bn | - | 1.32 |
| 8 | KB Financial | 150.02 Bn | 142.15 Bn | - | -36.40 |
| 9 | Pnc Financial Services | 88.79 Bn | 88.84 Bn | - | 1.88 |
| 10 | Citizens & Northern | 373.62 Mn | 317.48 Mn | - | 1.03 |
Historic Data
Download Data| Date | Value |
|---|---|
| Mar 31, 2026 | 1.03 |
| Dec 31, 2025 | 1.42 |
| Sep 30, 2025 | 1.70 |
| Jun 30, 2025 | 1.67 |
| Mar 31, 2025 | 1.66 |
| Dec 31, 2024 | 1.79 |
| Sep 30, 2024 | 1.60 |
| Jun 30, 2024 | 1.63 |
| Mar 31, 2024 | 1.57 |
| Dec 31, 2023 | 1.56 |
| Sep 30, 2023 | 2.00 |
| Jun 30, 2023 | 1.98 |
| Mar 31, 2023 | 2.43 |
| Dec 31, 2022 | 3.68 |
| Sep 30, 2022 | 2.88 |
| Jun 30, 2022 | 6.41 |
| Mar 31, 2022 | 6.81 |
| Dec 31, 2021 | 6.87 |
| Sep 30, 2021 | 6.55 |
| Jun 30, 2021 | 6.06 |
| Mar 31, 2021 | 7.52 |
| Dec 31, 2020 | 4.92 |
| Sep 30, 2020 | 2.33 |
| Jun 30, 2020 | 3.95 |
| Mar 31, 2020 | 2.81 |
| Dec 31, 2019 | 3.20 |
| Sep 30, 2019 | 3.13 |
| Jun 30, 2019 | 2.48 |
| Mar 31, 2019 | 5.50 |
| Dec 31, 2018 | 6.11 |
| Sep 30, 2018 | 6.40 |
| Jun 30, 2018 | 8.18 |
| Mar 31, 2018 | 6.15 |
| Dec 31, 2017 | 6.48 |
| Sep 30, 2017 | 6.28 |
| Jun 30, 2017 | 6.62 |
| Mar 31, 2017 | 5.64 |
| Dec 31, 2016 | 7.23 |
| Sep 30, 2016 | 6.87 |
| Jun 30, 2016 | 6.59 |
| Mar 31, 2016 | 6.16 |
| Dec 31, 2015 | 5.90 |
| Sep 30, 2015 | 6.00 |
| Jun 30, 2015 | 5.94 |
| Mar 31, 2015 | 5.16 |
| Dec 31, 2014 | 5.65 |
| Sep 30, 2014 | 5.41 |
| Jun 30, 2014 | 5.31 |
| Mar 31, 2014 | 5.42 |
| Dec 31, 2013 | 5.12 |
| Sep 30, 2013 | 5.49 |
| Jun 30, 2013 | 5.70 |
| Mar 31, 2013 | 4.93 |
| Dec 31, 2012 | 5.29 |
| Sep 30, 2012 | 4.37 |
| Jun 30, 2012 | 4.24 |
| Mar 31, 2012 | 4.08 |
| Dec 31, 2011 | 4.01 |
| Sep 30, 2011 | 3.64 |
| Jun 30, 2011 | 3.16 |
| Mar 31, 2011 | 2.89 |
| Dec 31, 2010 | 2.46 |
| Sep 30, 2010 | 2.41 |
| Jun 30, 2010 | 2.22 |