Citizens & Northern CorporationCZNCNASDAQ
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Debt to Equity Over TimeNormalizing
Percentile Rank64
3Y CAGR-8.2%
5Y CAGR+13.2%
Year-over-Year Change
Debt-to-equity ratio
3Y CAGR
-8.2%/yr
vs +31.1%/yr prior
5Y CAGR
+13.2%/yr
Recent deceleration
Acceleration
-39.2pp
Decelerating
Percentile
P64
Within normal range
vs 5Y Ago
1.9x
Solid growth
Streak
2 yr
Consecutive declineNormalizing
| Period | Value | YoY Change |
|---|---|---|
| 2025 | 0.56 | -25.1% |
| 2024 | 0.75 | -6.5% |
| 2023 | 0.81 | +10.7% |
| 2022 | 0.73 | +183.4% |
| 2021 | 0.26 | -15.4% |
| 2020 | 0.30 | -48.7% |
| 2019 | 0.59 | +139.8% |
| 2018 | 0.25 | -34.4% |
| 2017 | 0.38 | +8.4% |
| 2016 | 0.35 | - |