Citizens & Northern Corporation
Citizens & Northern Corporation operates as the bank holding company for Citizens & Northern Bank that provides a range of banking and mortgage services to individual and corporate customers in North Central Pennsylvania and Southern New York. The company offers deposit products, including various types of checking accounts, passbook and statement savings accounts, money market accounts, interest checking accounts, individual retirement accounts, and certificates of deposits, as well as non-insured RepoSweep accounts. It also provides lending products comprising mortgage loans, commercial loans, and consumer loans, as well as commercial letters-of-credit. In addition, the company offers trust and financial management services consisting of administration of trusts and estates, retirement plans, and other employee benefit plans; investment management services; and a range of personal and commercial insurance products, as well as mutual funds, annuities, educational savings accounts, and other investment products through registered agents. Further, it reinsures credit and mortgage, life and accident, and health insurance products. The company operates 26 banking offices in Bradford, Cameron, Lycoming, McKean, Potter, Sullivan, and Tioga counties in Pennsylvania, as well as Steuben County in New York; and a loan production office in Elmira, New York. Citizens & Northern Corporation was founded in 1864 and is headquartered in Wellsboro, Pennsylvania. Show More...
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Website http://www.cnbankpa.com
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Sector Financial Services
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Industry Banks-Regional
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Last Quote 18.55 USD
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Last Updated 30-05-2025
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External Links Yahoo Finance Morningstar Ratios
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Interest Coverage
The interest coverage ratio is a debt ratio and profitability ratio used to determine how easily a company can pay interest on its outstanding debt.
Reference: Investopedia -
2010-12 2011-12 2012-12 2013-12 2014-12 2015-12 2016-12 2017-12 2018-12 2019-12 TTM Earnings Per Share USD 1.45 1.92 1.85 1.5 1.38 1.35 1.3 1.1 1.79 1.46 1.35 Dividends USD 0.39 0.58 0.84 1.0 1.04 1.04 1.04 1.04 1.08 1.08 1.08 Payout Ratio % * 26.9 29.7 45.4 60.4 75.7 75.9 81.3 80.6 71.8 71.0 80.0 Shares Mil 12.0 12.0 12.0 12.0 12.0 12.0 12.0 12.0 12.0 13.0 14.0 Book Value Per Share * USD 11.43 13.26 14.89 14.63 15.22 15.61 15.74 15.64 15.42 17.71 18.22 Free Cash Flow Per Share * USD 2.83 2.84 2.12 2.92 1.59 1.63 1.38 1.48 1.75 1.71 Return on Assets % 1.33 1.77 1.74 1.47 1.38 1.34 1.28 1.06 1.71 1.32 1.27 Financial Leverage (Average) 9.48 7.91 7.04 6.9 6.59 6.53 6.68 6.78 6.54 6.77 6.49 Return on Equity % 13.24 15.26 12.97 10.27 9.29 8.76 8.44 7.14 11.35 8.78 8.16 Return on Invested Capital % Interest Coverage Current Ratio Quick Ratio Debt/Equity 1.07 0.74 0.09 0.07 0.06 0.06 0.06 0.05 0.18 0.24 0.32