Citizens & Northern Corp (CZNC) — Working Capital to Net Assets Ratio
Citizens & Northern Corp (CZNC) has a Working Capital to Net Assets ratio of 3.6% as of March 2026. Working capital of $12.24 Million (current assets of $65.35 Million minus current liabilities of $53.11 Million) is measured against net assets of $335.56 Million. A higher ratio indicates strong short-term liquidity financed by the equity base. See CZNC FCF to total liabilities ratio to measure the company's free cash flow as a share of total liabilities.
WC/NA Ratio
Working Capital
Current Assets
Current Liabilities
Citizens & Northern Corp Working Capital to Net Assets (1994–2025)
This chart shows how Citizens & Northern Corp's Working Capital to Net Assets ratio has evolved across 32 annual periods from 1994 to 2025. As of March 2026, the ratio stands at 3.6%, reflecting working capital of $12.24 Million against net assets of $335.56 Million USD. See CZNC defensive interval ratio to measure how many days the company can operate on defensive assets alone.
Annual Working Capital to Net Assets for Citizens & Northern Corp (1994–2025)
The table below presents the year-by-year Working Capital to Net Assets ratio for Citizens & Northern Corp from 1994 to 2025, covering 32 annual filings. Each row shows current assets, current liabilities, working capital, net assets, the ratio, and the change in percentage points compared to the prior year. For live market cap and the full company profile, see CZNC market cap overview.
| Year | WC/NA Ratio | Working Capital (USD) | Net Assets | Current Assets | Current Liabilities | Change (pp) |
|---|---|---|---|---|---|---|
| 2025 | 1.3% | $4.59 Million | $341.71 Million | $46.24 Million | $41.66 Million | ▲ +633.1 pp |
| 2024 | -631.7% | $-1.74 Billion | $275.28 Million | $357.34 Million | $2.10 Billion | ▼ -34.5 pp |
| 2023 | -597.2% | $-1.57 Billion | $262.38 Million | $481.77 Million | $2.05 Billion | ▲ +36.8 pp |
| 2022 | -634.0% | $-1.58 Billion | $249.32 Million | $561.73 Million | $2.14 Billion | ▼ -195.8 pp |
| 2021 | -438.2% | $-1.32 Billion | $301.40 Million | $629.86 Million | $1.95 Billion | ▲ +31.8 pp |
| 2020 | -469.9% | $-1.41 Billion | $299.76 Million | $459.48 Million | $1.87 Billion | ▼ -75.5 pp |
| 2019 | -394.4% | $-964.14 Million | $244.45 Million | $386.93 Million | $1.35 Billion | ▼ -63.6 pp |
| 2018 | -330.8% | $-652.88 Million | $197.37 Million | $404.73 Million | $1.06 Billion | ▲ +29.6 pp |
| 2017 | -360.4% | $-679.10 Million | $188.44 Million | $400.23 Million | $1.08 Billion | ▼ -30.5 pp |
| 2016 | -329.9% | $-613.68 Million | $186.01 Million | $431.15 Million | $1.04 Billion | ▼ -29.1 pp |
| 2015 | -300.8% | $-564.04 Million | $187.49 Million | $460.12 Million | $1.02 Billion | ▼ -667.9 pp |
| 2014 | 367.0% | $691.37 Million | $188.36 Million | $696.91 Million | $5.54 Million | ▲ +653.7 pp |
| 2013 | -286.7% | $-514.46 Million | $179.47 Million | $531.42 Million | $1.05 Billion | ▼ -712.3 pp |
| 2012 | 425.6% | $777.98 Million | $182.79 Million | $783.54 Million | $5.57 Million | ▲ +773.1 pp |
| 2011 | -347.5% | $-581.71 Million | $167.38 Million | $547.06 Million | $1.13 Billion | ▲ +356.3 pp |
| 2010 | -703.8% | $-977.89 Million | $138.94 Million | $51.26 Million | $1.03 Billion | ▼ -129.5 pp |
| 2009 | -574.3% | $-875.30 Million | $152.41 Million | $97.68 Million | $972.97 Million | ▲ +162.1 pp |
| 2008 | -736.4% | $-898.60 Million | $122.03 Million | $29.87 Million | $928.47 Million | ▼ -121.7 pp |
| 2007 | -614.7% | $-847.00 Million | $137.78 Million | $37.38 Million | $884.38 Million | ▼ -5.9 pp |
| 2006 | -608.9% | $-790.85 Million | $129.89 Million | $32.20 Million | $823.05 Million | ▼ -29.3 pp |
| 2005 | -579.6% | $-764.86 Million | $131.97 Million | $31.95 Million | $796.81 Million | ▼ -51.6 pp |
| 2004 | -527.9% | $-694.68 Million | $131.59 Million | $24.05 Million | $718.73 Million | ▲ +17.6 pp |
| 2003 | -545.5% | $-683.80 Million | $125.34 Million | $20.80 Million | $704.61 Million | ▲ +34.8 pp |
| 2002 | -580.4% | $-672.27 Million | $115.84 Million | $20.86 Million | $693.13 Million | ▲ +37.3 pp |
| 2001 | -617.7% | $-618.86 Million | $100.19 Million | $20.91 Million | $639.76 Million | ▲ +67.5 pp |
| 2000 | -685.2% | $-609.63 Million | $88.97 Million | $18.78 Million | $628.41 Million | ▲ +58.5 pp |
| 1999 | -743.8% | $-569.88 Million | $76.62 Million | $23.13 Million | $593.01 Million | ▼ -220.2 pp |
| 1998 | -523.6% | $-474.36 Million | $90.60 Million | $20.20 Million | $494.56 Million | ▼ -28.8 pp |
| 1997 | -494.8% | $-423.19 Million | $85.53 Million | $19.06 Million | $442.26 Million | ▲ +79.2 pp |
| 1996 | -574.0% | $-410.93 Million | $71.59 Million | $19.38 Million | $430.31 Million | ▲ +41.0 pp |
| 1995 | -615.0% | $-411.90 Million | $66.98 Million | $17.65 Million | $429.55 Million | ▲ +203.4 pp |
| 1994 | -818.4% | $-383.00 Million | $46.80 Million | $16.27 Million | $399.26 Million | — |