Citizens & Northern Corp (CZNC) — Defensive Interval Ratio
Citizens & Northern Corp (CZNC) has a Defensive Interval Ratio of 3740 days as of March 2026. Defensive assets of $544.14 Million (cash $-, short-term investments $532.24 Million, receivables $11.90 Million) cover 3740 days of daily cash needs of $145.50K/day. See CZNC working capital ratio to evaluate short-term liquidity relative to the company's equity base.
Defensive Interval Ratio
Defensive Assets
Daily Cash Need
Current Liabilities
Citizens & Northern Corp Defensive Interval Ratio (1994–2025)
This chart shows how Citizens & Northern Corp's Defensive Interval Ratio has evolved across 32 annual periods from 1994 to 2025. As of March 2026, the ratio stands at 3740 days, meaning defensive assets of $544.14 Million can fund 3740 days of operations without new revenue. See net asset quality index of Citizens & Northern Corp to measure how much of total assets are equity-financed.
Annual Defensive Interval Ratio for Citizens & Northern Corp (1994–2025)
The table below presents the year-by-year Defensive Interval Ratio for Citizens & Northern Corp from 1994 to 2025, covering 32 annual filings. Each row shows defensive assets, daily cash need, the DIR in days, and the change in days compared to the prior year. For live market cap and the full company financial profile, see CZNC market cap.
| Year | DIR (days) | Defensive Assets (USD) | Daily Cash Need | Cash | ST Investments | Change (days) |
|---|---|---|---|---|---|---|
| 2025 | 2654 days | $302.92 Million | $114.13K/day | $- | $291.32 Million | ▲ +2614 days |
| 2024 | 40 days | $231.17 Million | $5.74 Million/day | $- | $222.44 Million | ▼ -35 days |
| 2023 | 76 days | $424.89 Million | $5.61 Million/day | $- | $415.75 Million | ▼ -11 days |
| 2022 | 86 days | $506.69 Million | $5.87 Million/day | $- | $498.03 Million | ▼ -12 days |
| 2021 | 98 days | $524.91 Million | $5.34 Million/day | $- | $517.68 Million | ▲ +28 days |
| 2020 | 70 days | $357.62 Million | $5.12 Million/day | $- | $349.33 Million | ▼ -25 days |
| 2019 | 95 days | $351.72 Million | $3.70 Million/day | $- | $346.72 Million | ▼ -32 days |
| 2018 | 127 days | $367.24 Million | $2.90 Million/day | $- | $363.27 Million | ▲ +5 days |
| 2017 | 122 days | $359.99 Million | $2.96 Million/day | $- | $355.94 Million | ▼ -18 days |
| 2016 | 139 days | $399.04 Million | $2.86 Million/day | $- | $395.08 Million | ▼ -12 days |
| 2015 | 151 days | $424.06 Million | $2.81 Million/day | $- | $420.29 Million | ▼ -34174 days |
| 2014 | 34326 days | $520.72 Million | $15.17K/day | $- | $516.81 Million | ▲ +34156 days |
| 2013 | 170 days | $486.80 Million | $2.87 Million/day | $- | $482.66 Million | ▼ -31095 days |
| 2012 | 31265 days | $476.86 Million | $15.25K/day | $- | $472.58 Million | ▲ +31108 days |
| 2011 | 157 days | $486.48 Million | $3.09 Million/day | $- | $481.69 Million | ▼ -2 days |
| 2010 | 159 days | $448.92 Million | $2.82 Million/day | $- | $443.96 Million | ▲ +8 days |
| 2009 | 151 days | $401.90 Million | $2.67 Million/day | $- | $396.29 Million | ▼ -17 days |
| 2008 | 167 days | $425.53 Million | $2.54 Million/day | $- | $419.69 Million | ▼ -14 days |
| 2007 | 181 days | $438.47 Million | $2.42 Million/day | $- | $432.75 Million | ▲ +21 days |
| 2006 | 160 days | $361.71 Million | $2.25 Million/day | $- | $356.67 Million | ▲ +155 days |
| 2005 | 5 days | $11.02 Million | $2.18 Million/day | $- | $5.52 Million | ▲ +0 days |
| 2004 | 5 days | $9.20 Million | $1.97 Million/day | $- | $4.11 Million | ▲ +1 days |
| 2003 | 4 days | $6.87 Million | $1.93 Million/day | $- | $1.23 Million | ▲ +0 days |
| 2002 | 4 days | $6.67 Million | $1.90 Million/day | $- | $715.00K | ▼ 0 days |
| 2001 | 4 days | $6.85 Million | $1.75 Million/day | $- | $1.98 Million | ▼ 0 days |
| 2000 | 4 days | $7.14 Million | $1.72 Million/day | $- | $2.19 Million | ▲ +1 days |
| 1999 | 3 days | $5.07 Million | $1.62 Million/day | $- | $- | ▲ +0 days |
| 1998 | 3 days | $4.10 Million | $1.35 Million/day | $- | $- | ▼ -1 days |
| 1997 | 4 days | $4.81 Million | $1.21 Million/day | $- | $- | ▲ +0 days |
| 1996 | 4 days | $4.40 Million | $1.18 Million/day | $- | $- | ▲ +0 days |
| 1995 | 3 days | $4.06 Million | $1.18 Million/day | $- | $- | ▼ 0 days |
| 1994 | 4 days | $3.86 Million | $1.09 Million/day | $- | $- | — |