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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) Times Interest Earned (2017 - 2025)

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

  • For Q4 2025, Times Interest Earned 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.
  • Times Interest Earned reached $1.42 in Q4 2025 per CZNC's latest filing, down from $1.7 in the prior quarter.
  • In the past five years, Times Interest Earned ranged from a high of $7.52 in Q1 2021 to a low of $1.42 in Q4 2025.
  • Average Times Interest Earned over 5 years is $3.39, with a median of $1.99 recorded in 2023.
  • Peak YoY movement for Times Interest Earned: surged 181.2% in 2021, then plummeted 69.17% in 2023.
  • A 5-year view of Times Interest Earned 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 Times Interest Earned are $1.42 (Q4 2025), $1.7 (Q3 2025), and $1.67 (Q2 2025).