CZNC

Citizens & Northern Corp

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18.690

+0.3(1.631%)1D

Overview
Forecast
Valuation
Earnings

Line

Candle

YTD

High

18.780

Open

18.490

VWAP

18.66

Vol

18.04K

Mkt Cap

289.97M

Low

18.490

Amount

336.57K

EV/EBITDA(TTM)

Total Shares

15.38M

447.90M

EV/OCF(TTM)

5.65

P/S(TTM)

2.92

Citizens & Northern Corporation is a holding company whose principal activity is community banking. The Bank is a Pennsylvania banking institution. It provides a range of banking services, including deposit and loan products for personal and commercial customers. The Bank also provides wealth management services through its trust department and C&N Financial Services, LLC (CNFS). The trust department offers a wide range of financial services, such as 401(k) plans, retirement planning, estate planning, estate settlements and asset management. CNFS, a wholly owned subsidiary of the Bank, is a licensed insurance agency that provides insurance products to individuals and businesses and, through a broker-dealer arrangement, offers mutual funds, annuities, educational savings accounts and other investment products through registered agents. The Bank has 28 branch offices, including 21 in the northern tier/Northcentral region of Pennsylvania, and one in the Southern tier of New York State.

Market Estimates

Earnings Estimates

Revenue

YoY Chg

EPS

YoYChg

FY2026Q1

FY2025Q4

FY2025Q3

0.520

+26.83%

0.530

+29.27%

Estimates Revision

The market is revising No Change the revenue expectations for Citizens & Northern Corporation (CZNC) for FY2025, with the revenue forecasts being adjusted by 0% over the past three months. During the same period, the stock price has changed by -3.26%.

Revenue Estimates for FY2025

No Change

0.00%

In Past 3 Month

EPS Estimates for FY2025

No Change

0.00%

In Past 3 Month

Stock Price

Go Down

-3.26%

In Past 3 Month

2 Analyst Rating

16.37% Upside

Wall Street analysts forecast CZNC stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for CZNC is 21.75 USD with a low forecast of 21.00 USD and a high forecast of 22.50 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.

1 Buy

1 Hold

0 Sell

Moderate Buy

16.37% Upside

Current: 18.690

Low

21.00

Averages

21.75

High

22.50

16.37% Upside

Current: 18.690

Low

21.00

Averages

21.75

High

22.50

The End

See All Ratings

No Data

Valuation Metrics

The current forward P/E ratio for Citizens & Northern Corp (CZNC.O) is 8.82, compared to its 5-year average forward P/E of 12.41. For a more detailed relative valuation and DCF analysis to assess Citizens & Northern Corp 's fair value, click here.

Forward PE

The forward P/E ratio is a valuation metric that divides a company's current stock price by its estimated future earnings per share over the next 12 months.

Strongly Undervalued

5Y Average PE

12.41

Current PE

8.82

Overvalued PE

14.15

Undervalued PE

10.66

Forward EV/EBITDA

The forward EV/EBITDA ratio is a valuation metric that divides a company's enterprise value (EV) by its estimated future earnings before interest, taxes, depreciation, and amortization (EBITDA) over the next 12 months.

N/A

5Y Average EV/EBITDA

0.00

Current EV/EBITDA

0.00

Overvalued EV/EBITDA

0.00

Undervalued EV/EBITDA

0.00

Forward PS

The forward P/S ratio is a valuation metric that divides a company's current stock price by its estimated future sales (or revenue) per share over the next 12 months.

Fair

5Y Average PS

2.91

Current PS

2.48

Overvalued PS

3.88

Undervalued PS

1.94