Citizens & Northern (CZNC) Interest Coverage Ratio (2010 - 2026)
Citizens & Northern's (CZNC) Interest Coverage Ratio came in at 2.46 for Q2 2026, up 47.6% from 1.67 a year earlier and up 139.2% from the prior quarter.
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Analysis
Citizens & Northern (CZNC) Interest Coverage Ratio (2010 - 2026) Analysis & Trends
For the trailing twelve months through Jun 30, 2026, Interest Coverage Ratio at Citizens & Northern was 1.64, down 2.1% year-over-year; for FY2025, it was 1.60, down 2.8% from FY2024.
- Annual Interest Coverage Ratio has declined for four consecutive years.
- In prior years, Citizens & Northern's Interest Coverage Ratio was 1.65 in FY2024 (-14.1%), 1.92 in FY2023 (-56.3%), 4.40 in FY2022 (-34.8%) and 6.74 in FY2021 (+97.2%).
- The Q2 2026 figure stands as the highest quarterly Interest Coverage Ratio since Q4 2022.
- On a year-over-year basis, Interest Coverage Ratio increased in five of the last eight quarters, with an average decline of 0.3%.
- The strongest year-over-year quarter for Interest Coverage Ratio in the past five years was Q3 2021, with growth of 181.2%; the weakest was Q2 2023, with a decline of 69.2%.
- According to Business Quant data, Interest Coverage Ratio for the three prior quarters was 1.03 (Q1 2026), 1.42 (Q4 2025) and 1.70 (Q3 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Interest Cover (Qtr) |
|---|---|---|---|---|---|
| 1 | Jpmorgan Chase | 879.54 Bn | 909.01 Bn | - | 2.10 |
| 2 | Banco Santander Chile | 418.48 Bn | 538.42 Bn | - | -2.12 |
| 3 | Bank Of America | 381.92 Bn | -1,994.15 Bn | - | 1.65 |
| 4 | Hsbc Holdings | 341.10 Bn | 341.15 Bn | - | - |
| 5 | Morgan Stanley | 295.71 Bn | -213.38 Bn | - | 1.56 |
| 6 | Royal Bank Of Canada | 275.38 Bn | 126.13 Bn | - | 1.43 |
| 7 | Mitsubishi Ufj Financial | 273.79 Bn | -1,314.70 Bn | 10.89 Bn | 0.56 |
| 8 | Goldman Sachs | 262.78 Bn | -3,294.34 Bn | - | 1.47 |
| 9 | Wells Fargo & Company | 242.61 Bn | 244.75 Bn | - | 1.73 |
| 10 | Citizens & Northern | 448.91 Mn | 137.03 Mn | - | 2.46 |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 2.46 |
| 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 |
API Access
Citizens & Northern Interest Coverage 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=interest-coverage-ratio&ticker=CZNC&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "interest-coverage-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=interest-coverage-ratio&ticker=CZNC&period=max&api_key=YOUR_API_KEY");
const data = await res.json();