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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) Interest Coverage Ratio (2017 - 2025)

Citizens & Northern's Interest Coverage Ratio history spans 9 years, with the latest figure at 1.42 for Q4 2025.

  • For Q4 2025, Interest Coverage Ratio fell 20.72% year-over-year to 1.42; the TTM value through Dec 2025 reached 1.6, down 2.8%, while the annual FY2025 figure was 0.13, 7.1% down from the prior year.
  • Interest Coverage Ratio reached 1.42 in Q4 2025 per CZNC's latest filing, down from 1.7 in the prior quarter.
  • In the past five years, Interest Coverage Ratio ranged from a high of 7.52 in Q1 2021 to a low of 1.42 in Q4 2025.
  • Average Interest Coverage Ratio over 5 years is 3.39, with a median of 1.99 recorded in 2023.
  • Peak YoY movement for Interest Coverage Ratio: surged 181.2% in 2021, then plummeted 69.17% in 2023.
  • A 5-year view of Interest Coverage Ratio shows it stood at 6.87 in 2021, then crashed by 46.44% to 3.68 in 2022, then tumbled by 57.71% to 1.56 in 2023, then grew by 14.83% to 1.79 in 2024, then dropped by 20.72% to 1.42 in 2025.
  • Per Business Quant, the three most recent readings for CZNC's Interest Coverage Ratio are 1.42 (Q4 2025), 1.7 (Q3 2025), and 1.67 (Q2 2025).