Citizens Financial Statements From 2010 to 2026

Citizens Northern Balance Sheet		Trends
Current Value Last Year Historical Average  10 Year Trend Total Assets 3.2 B 3 B 1.8 B Slightly volatile Short and Long Term Debt Total 122.3 M 186.9 M 117.6 M Slightly volatile Total Current Liabilities 2.5 B 2.4 B 1.4 B Slightly volatile Total Stockholder Equity 174.7 M 316.6 M 214.6 M Slightly volatile Property Plant And Equipment Net 17.9 M 24.5 M 18 M Slightly volatile Retained Earnings 103.4 M 190.6 M 120.6 M Slightly volatile Cash 152.4 M 145.1 M 66.9 M Slightly volatile Non Current Assets Total 2.7 B 2.6 B 1.3 B Slightly volatile Cash And Short Term Investments 251.3 M 400.9 M 431.2 M Very volatile Net Receivables 5.9 M 10 M 5.9 M Slightly volatile Common Stock Total Equity 10.9 M 18.4 M 13.5 M Slightly volatile Common Stock Shares Outstanding 12.1 M 15.9 M 13.2 M Slightly volatile Liabilities And Stockholders Equity 3.2 B 3 B 1.8 B Slightly volatile Non Current Liabilities Total 225.8 M 215.1 M 81.7 M Slightly volatile Total Liabilities 2.8 B 2.7 B 1.6 B Slightly volatile Property Plant And Equipment Gross 62.4 M 59.4 M 29.8 M Slightly volatile Total Current Assets 270.9 M 410.9 M 460.6 M Pretty Stable Common Stock 23 M 18.4 M 33.6 M Slightly volatile Accounts Payable 21.9 M 23 M 15.2 M Slightly volatile Short Term Debt 2.1 M 2.2 M 39.9 M Pretty Stable Other Liabilities 11.3 M 20 M 12.8 M Slightly volatile Long Term Debt 193.9 M 184.7 M 87.7 M Slightly volatile Short Term Investments 347.7 M 255.8 M 379.1 M Very volatile Property Plant Equipment 20 M 24.8 M 18.3 M Slightly volatile Good Will 63.4 M 60.4 M 30.2 M Slightly volatile Other Current Assets 56.9 M 59.8 M 252.7 M Slightly volatile Intangible Assets 1.4 M 2.4 M 1.5 M Pretty Stable Net Tangible Assets 208.9 M 223 M 191.4 M Slightly volatile Retained Earnings Total Equity 127.7 M 174.5 M 122.4 M Slightly volatile Long Term Debt Total 39.2 M 35.4 M 51 M Slightly volatile Capital Surpluse 101.1 M 165.5 M 101.4 M Slightly volatile Long Term Investments 899.6 M 462.7 M 795.1 M Very volatile Non Current Liabilities Other 30.9 M 29.4 M 16.2 M Slightly volatile Earning Assets 315.3 M 329.4 M 391.5 M Slightly volatile Net Invested Capital 417.3 M 552.5 M 340.8 M Slightly volatile Capital Stock 17.5 M 18.4 M 31 M Pretty Stable
Citizens Northern Income Statement		Trends
Current Value Last Year Historical Average  10 Year Trend Depreciation And Amortization 1.8 M 2.5 M 1.9 M Slightly volatile Interest Expense 49.7 M 47.4 M 16.8 M Slightly volatile Selling General Administrative 55.9 M 53.2 M 30.3 M Slightly volatile Total Revenue 81.6 M 154.2 M 87.7 M Slightly volatile Gross Profit 57.7 M 100.8 M 70.6 M Slightly volatile Other Operating Expenses 131.8 M 125.5 M 66.1 M Slightly volatile Operating Income 20.1 M 28.6 M 25.8 M Slightly volatile EBIT 19.7 M 36.7 M 26.2 M Slightly volatile EBITDA 21.9 M 28.6 M 27.5 M Slightly volatile Cost Of Revenue 56.1 M 53.4 M 19 M Slightly volatile Income Before Tax 20.1 M 28.6 M 25.8 M Slightly volatile Net Income 16.1 M 23.4 M 20.1 M Slightly volatile Income Tax Expense 4 M 5.2 M 5.6 M Pretty Stable Net Income Applicable To Common Shares 18.7 M 30.6 M 20.9 M Slightly volatile Net Income From Continuing Ops 23.9 M 29.9 M 22.4 M Slightly volatile Tax Provision 6.1 M 6.8 M 5.6 M Slightly volatile Net Interest Income 67.2 M 91 M 57 M Slightly volatile Interest Income 82 M 147.3 M 70.4 M Slightly volatile Reconciled Depreciation 2.2 M 2.5 M 1.9 M Slightly volatile Selling And Marketing Expenses 36.9 M 38.5 M 47.8 M Slightly volatile
Citizens Northern Cash Flow Statement		Trends
Current Value Last Year Historical Average  10 Year Trend Free Cash Flow 19.2 M 35.8 M 24.8 M Slightly volatile Begin Period Cash Flow 37.8 M 60.7 M 46.8 M Slightly volatile Depreciation 1.8 M 2.5 M 1.9 M Slightly volatile Capital Expenditures 2.2 M 2.2 M 1.9 M Slightly volatile Total Cash From Operating Activities 21.4 M 38 M 26.7 M Slightly volatile Net Income 15.8 M 29.9 M 20.5 M Slightly volatile End Period Cash Flow 149.2 M 142.1 M 62.6 M Slightly volatile Change Receivables 2.9 M 3.2 M 3.5 M Slightly volatile
Financial Ratios		Trends
Current Value Last Year Historical Average  10 Year Trend Price To Sales Ratio 3.64 2.0864 3.6077 Slightly volatile Dividend Yield 0.032 0.0555 0.041 Slightly volatile PTB Ratio 1.63 1.19 1.4246 Slightly volatile Days Sales Outstanding 33.21 23.58 26.171 Pretty Stable Book Value Per Share 11.26 16.23 15.4848 Slightly volatile Free Cash Flow Yield 0.0623 0.0987 0.0863 Pretty Stable Operating Cash Flow Per Share 1.37 1.95 1.9457 Very volatile Stock Based Compensation To Revenue 0.0068 0.0086 0.0092 Slightly volatile Capex To Depreciation 1.22 1.0 1.0747 Very volatile PB Ratio 1.63 1.19 1.4246 Slightly volatile EV To Sales 2.57 2.7 4.3008 Slightly volatile Free Cash Flow Per Share 1.2 1.84 1.8069 Pretty Stable ROIC 0.039 0.0452 0.0608 Slightly volatile Net Income Per Share 1.02 1.4688 1.4897 Very volatile Payables Turnover 0.72 0.75 0.9523 Slightly volatile Sales General And Administrative To Revenue 0.22 0.3453 0.318 Pretty Stable Capex To Revenue 0.0134 0.0141 0.0237 Slightly volatile Cash Per Share 14.15 20.56 31.6801 Slightly volatile POCF Ratio 13.83 9.88 11.5096 Pretty Stable Interest Coverage 0.57 0.6047 3.1181 Slightly volatile Payout Ratio 0.42 0.7625 0.5936 Slightly volatile Capex To Operating Cash Flow 0.063 0.0664 0.0768 Pretty Stable PFCF Ratio 16.76 10.49 12.6658 Pretty Stable Days Payables Outstanding 258 502 497 Slightly volatile Income Quality 0.91 1.15 1.2697 Slightly volatile ROE 0.11 0.0943 0.1019 Slightly volatile EV To Operating Cash Flow 22.83 12.72 14.3883 Pretty Stable PE Ratio 11.1 13.7323 14.4039 Very volatile Return On Tangible Assets 0.0131 0.0117 0.0131 Slightly volatile EV To Free Cash Flow 12.82 13.5 15.0884 Pretty Stable Earnings Yield 0.0449 0.0728 0.0701 Slightly volatile Intangibles To Total Assets 0.0102 0.0188 0.0141 Slightly volatile Current Ratio 0.15 0.1705 0.3235 Slightly volatile Tangible Book Value Per Share 10.37 13.01 13.5825 Pretty Stable Receivables Turnover 10.62 16.02 14.8256 Very volatile Graham Number 16.97 23.64 22.7433 Slightly volatile Shareholders Equity Per Share 11.26 16.23 15.4848 Slightly volatile Debt To Equity 1.28 0.87 0.6715 Very volatile Capex Per Share 0.22 0.14 0.1435 Slightly volatile Revenue Per Share 5.3 9.6671 6.3488 Slightly volatile Interest Debt Per Share 19.1 19.34 10.6555 Slightly volatile Debt To Assets 0.14 0.0915 0.0791 Pretty Stable Enterprise Value Over EBITDA 17.49 12.34 13.0887 Pretty Stable Short Term Coverage Ratios 12.55 11.95 3.8323 Slightly volatile Price Earnings Ratio 11.1 13.7323 14.4039 Very volatile Operating Cycle 33.21 23.58 26.171 Pretty Stable Price Book Value Ratio 1.63 1.19 1.4246 Slightly volatile Days Of Payables Outstanding 258 502 497 Slightly volatile Dividend Payout Ratio 0.42 0.7625 0.5936 Slightly volatile Price To Operating Cash Flows Ratio 13.83 9.88 11.5096 Pretty Stable Price To Free Cash Flows Ratio 16.76 10.49 12.6658 Pretty Stable Pretax Profit Margin 0.3 0.1858 0.3211 Slightly volatile Operating Profit Margin 0.3 0.1858 0.3211 Slightly volatile Effective Tax Rate 0.24 0.1821 0.224 Slightly volatile Company Equity Multiplier 9.1 10.91 8.0895 Slightly volatile Long Term Debt To Capitalization 0.41 0.49 0.2301 Slightly volatile Total Debt To Capitalization 0.53 0.49 0.3697 Very volatile Return On Capital Employed 0.0614 0.0558 0.0972 Slightly volatile Debt Equity Ratio 1.28 0.87 0.6715 Very volatile Ebit Per Revenue 0.3 0.1858 0.3211 Slightly volatile Quick Ratio 0.15 0.1705 0.3235 Slightly volatile Dividend Paid And Capex Coverage Ratio 1.55 1.71 2.0061 Slightly volatile Net Income Per E B T 0.62 0.8179 0.7678 Pretty Stable Cash Ratio 0.0297 0.0542 0.0404 Very volatile Operating Cash Flow Sales Ratio 0.22 0.19 0.3166 Slightly volatile Days Of Sales Outstanding 33.21 23.58 26.171 Pretty Stable Free Cash Flow Operating Cash Flow Ratio 0.69 0.85 0.9037 Slightly volatile Cash Flow Coverage Ratios 0.14 0.1591 0.2498 Pretty Stable Price To Book Ratio 1.63 1.19 1.4246 Slightly volatile Fixed Asset Turnover 3.7 6.56 4.6884 Slightly volatile Capital Expenditure Coverage Ratio 11.21 15.6 17.2398 Slightly volatile Price Cash Flow Ratio 13.83 9.88 11.5096 Pretty Stable Enterprise Value Multiple 17.49 12.34 13.0887 Pretty Stable Debt Ratio 0.14 0.0915 0.0791 Pretty Stable Cash Flow To Debt Ratio 0.14 0.1591 0.2498 Pretty Stable Price Sales Ratio 3.64 2.0864 3.6077 Slightly volatile Return On Assets 0.013 0.0114 0.0129 Slightly volatile Asset Turnover 0.0628 0.0685 0.0528 Slightly volatile Net Profit Margin 0.23 0.1519 0.2474 Slightly volatile Gross Profit Margin 0.52 0.6534 0.7867 Very volatile Price Fair Value 1.63 1.19 1.4246 Slightly volatile Return On Equity 0.11 0.0943 0.1019 Slightly volatile
Citizens Northern Valuation Data		Trends
Current Value Last Year Historical Average  10 Year Trend Market Cap 304 M 289.5 M 287.4 M Slightly volatile Enterprise Value 175.9 M 234.7 M 249.9 M Pretty Stable

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