CZNC PE Ratio & Valuation,Is CZNC Overvalued

CZNC Relative Valuation

CZNC's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. If the market price exceeds this fair value range, CZNC is overvalued; if below, it's undervalued.

Historical Valuation

Citizens & Northern Corp (CZNC) is now in the Undervalued zone, suggesting that its current forward PE ratio of 9.11 is considered Undervalued compared with the five-year average of 12.21. The fair price of Citizens & Northern Corp (CZNC) is between 25.21 to 32.59 according to relative valuation methord. Compared to the current price of 21.89 USD , Citizens & Northern Corp is Undervalued By 13.15%.

Relative Value

Fair Zone

25.21-32.59

Current Price：21.89

13.15%

Undervalued

9.25

0.00

EV/EBITDA

Citizens & Northern Corp. (CZNC) has a current EV/EBITDA of 0.00. The 5-year average EV/EBITDA is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBITDA of 0.00 falls within the Strongly Undervalued range.

0.00

EV/EBIT

Citizens & Northern Corp. (CZNC) has a current EV/EBIT of 0.00. The 5-year average EV/EBIT is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBIT of 0.00 falls within the Strongly Undervalued range.

2.67

Citizens & Northern Corp. (CZNC) has a current PS of 2.67. The 5-year average PS is 2.89. The thresholds are as follows: Strongly Undervalued below 0.93, Undervalued between 0.93 and 1.91, Fairly Valued between 3.87 and 1.91, Overvalued between 3.87 and 4.85, and Strongly Overvalued above 4.85. The current Forward PS of 2.67 falls within the Historic Trend Line -Fairly Valued range.

0.00

P/OCF

Citizens & Northern Corp. (CZNC) has a current P/OCF of 0.00. The 5-year average P/OCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/OCF of 0.00 falls within the Strongly Undervalued range.

0.00

P/FCF

Citizens & Northern Corp. (CZNC) has a current P/FCF of 0.00. The 5-year average P/FCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/FCF of 0.00 falls within the Strongly Undervalued range.

Citizens & Northern Corp (CZNC) has a current Price-to-Book (P/B) ratio of 1.15. Compared to its 3-year average P/B ratio of 1.15 , the current P/B ratio is approximately -0.18% higher. Relative to its 5-year average P/B ratio of 1.23, the current P/B ratio is about -6.77% higher. Citizens & Northern Corp (CZNC) has a Forward Free Cash Flow (FCF) yield of approximately 8.22%. Compared to its 3-year average FCF yield of 9.42%, the current FCF yield is approximately -12.81% lower. Relative to its 5-year average FCF yield of 8.74% , the current FCF yield is about -6.02% lower.

1.16

P/B

Median3y

1.15

Median5y

1.23

8.22

FCF Yield

Median3y

9.42

Median5y

8.74

Competitors Valuation Multiple

The average P/S ratio for CZNC's competitors is , providing a benchmark for relative valuation. Citizens & Northern Corp Corp (CZNC) exhibits a P/S ratio of , which is NaN% above the industry average. Given its robust revenue growth of 8.65%, this premium appears unsustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

Revenue Growth

Market Cap

Performance Decomposition

Market capitalization of CZNC increased by 21.57% over the past 1 year. The primary factor behind the change was an increase in P/E Change from 10.62 to 12.56.

The secondary factor is the Revenue Growth, contributed 8.65%to the performance.

Overall, the performance of CZNC in the past 1 year is driven by P/E Change. Which is more unsustainable.

8.65%

25.71M → 27.93M

Revenue Growth

-5.29%

24.76 → 23.45

Margin Expansion

18.21%

10.62 → 12.56

P/E Change

21.57%

18.09 → 21.99

Mkt Cap Growth

People Also Watch

Frequently Asked Questions

Is Citizens & Northern Corp (CZNC) currently overvalued or undervalued?

What is Citizens & Northern Corp (CZNC) fair value?

CZNC's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average , adjusted by weights. The fair price of Citizens & Northern Corp (CZNC) is between 25.21 to 32.59 according to relative valuation methord.

How does CZNC's valuation metrics compare to the industry average?

What is the current P/B ratio for Citizens & Northern Corp (CZNC) as of Dec 16 2025?

As of Dec 16 2025, Citizens & Northern Corp (CZNC) has a P/B ratio of 1.15. This indicates that the market values CZNC at 1.15 times its book value.

What is the current FCF Yield for Citizens & Northern Corp (CZNC) as of Dec 16 2025?

As of Dec 16 2025, Citizens & Northern Corp (CZNC) has a FCF Yield of 8.22%. This means that for every dollar of Citizens & Northern Corp’s market capitalization, the company generates 8.22 cents in free cash flow.

What is the current Forward P/E ratio for Citizens & Northern Corp (CZNC) as of Dec 16 2025?

As of Dec 16 2025, Citizens & Northern Corp (CZNC) has a Forward P/E ratio of 9.11. This means the market is willing to pay $9.11 for every dollar of Citizens & Northern Corp’s expected earnings over the next 12 months.

What is the current Forward P/S ratio for Citizens & Northern Corp (CZNC) as of Dec 16 2025?

As of Dec 16 2025, Citizens & Northern Corp (CZNC) has a Forward P/S ratio of 2.67. This means the market is valuing CZNC at $2.67 for every dollar of expected revenue over the next 12 months.

CZNC Valuation

CZNC Valuation

CZNC Relative Valuation

Historical Valuation

Competitors Valuation Multiple

Performance Decomposition

People Also Watch

Frequently Asked Questions

Is Citizens & Northern Corp (CZNC) currently overvalued or undervalued?

What is Citizens & Northern Corp (CZNC) fair value?

How does CZNC's valuation metrics compare to the industry average?

What is the current P/B ratio for Citizens & Northern Corp (CZNC) as of Dec 16 2025?

What is the current FCF Yield for Citizens & Northern Corp (CZNC) as of Dec 16 2025?

What is the current Forward P/E ratio for Citizens & Northern Corp (CZNC) as of Dec 16 2025?

What is the current Forward P/S ratio for Citizens & Northern Corp (CZNC) as of Dec 16 2025?