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

Citizens & Northern's Interest Coverage Ratio history runs 17 years deep, the most recent figure standing at 1.01 for Q1 2026.

• On a quarterly basis, Interest Coverage Ratio fell 14.38% year-over-year to 1.01 in Q1 2026; TTM through Mar 2026 was 3.62, a 28.52% decrease from a year earlier, with the FY2025 full-year figure at 1.58, down 4.96% from the prior year.
• Interest Coverage Ratio retreated to 1.01 in Q1 2026 per CZNC's latest filing, from 1.42 in the prior quarter.
• Across five years, Interest Coverage Ratio topped out at 3.52 in Q4 2022 and bottomed at 0.72 in Q4 2023.
• The 5-year median for Interest Coverage Ratio is 1.18 (2025), against an average of 1.32.
• Across the five-year window, Interest Coverage Ratio soared 125.53% in 2022 and slumped 79.59% in 2023, its largest moves.
• Year by year, Interest Coverage Ratio stood at 3.52 in 2022, then slumped by 79.59% to 0.72 in 2023, then soared by 68.63% to 1.21 in 2024, then advanced by 16.94% to 1.42 in 2025, then retreated by 28.71% to 1.01 in 2026.
• Per Business Quant, the three latest CZNC Interest Coverage Ratio figures stand at 1.01 (Q1 2026), 1.42 (Q4 2025), and 1.7 (Q3 2025).