Historical Valuation
Citizens & Northern Corp (CZNC) is now in the Undervalued zone, suggesting that its current forward PE ratio of 8.39 is considered Undervalued compared with the five-year average of 12.19. The fair price of Citizens & Northern Corp (CZNC) is between 25.95 to 33.55 according to relative valuation methord. Compared to the current price of 20.47 USD , Citizens & Northern Corp is Undervalued By 21.11%.
Relative Value
Fair Zone
25.95-33.55
Current Price：20.47
21.11%
Undervalued
P/E
EV/EBITDA
EV/EBIT
P/S
P/OCF
P/FCF
1Y
3Y
5Y
Trailing
Forward
Citizens & Northern Corp (CZNC) has a current Price-to-Book (P/B) ratio of 1.06. Compared to its 3-year average P/B ratio of 1.14 , the current P/B ratio is approximately -7.50% higher. Relative to its 5-year average P/B ratio of 1.23, the current P/B ratio is about -14.23% higher. Citizens & Northern Corp (CZNC) has a Forward Free Cash Flow (FCF) yield of approximately 8.92%. Compared to its 3-year average FCF yield of 9.42%, the current FCF yield is approximately -5.32% lower. Relative to its 5-year average FCF yield of 8.78% , the current FCF yield is about 1.58% lower.
P/B
Median3y
1.14
Median5y
1.23
FCF Yield
Median3y
9.42
Median5y
8.78
Competitors Valuation Multiple
AI Analysis for CZNC
The average P/S ratio for CZNC competitors is 3.12, providing a benchmark for relative valuation. Citizens & Northern Corp Corp (CZNC.O) exhibits a P/S ratio of 2.46, which is -20.97% above the industry average. Given its robust revenue growth of 8.65%, this premium appears unsustainable.
Performance Decomposition
AI Analysis for CZNC
1Y
3Y
5Y
Market capitalization of CZNC increased by 0.00% over the past 1 year. The primary factor behind the change was an decrease in Unknown from 0.00 to 0.00.
The secondary factor is the Unknown, contributed 0.00%to the performance.
Overall, the performance of CZNC in the past 1 year is driven by Unknown.
People Also Watch
Frequently Asked Questions
Is CZNC currently overvalued or undervalued?
Citizens & Northern Corp (CZNC) is now in the Undervalued zone, suggesting that its current forward PE ratio of 8.39 is considered Undervalued compared with the five-year average of 12.19. The fair price of Citizens & Northern Corp (CZNC) is between 25.95 to 33.55 according to relative valuation methord. Compared to the current price of 20.47 USD , Citizens & Northern Corp is Undervalued By 21.11% .
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 25.95 to 33.55 according to relative valuation methord.
How does CZNC's valuation metrics compare to the industry average?
The average P/S ratio for CZNC's competitors is 3.12, providing a benchmark for relative valuation. Citizens & Northern Corp Corp (CZNC) exhibits a P/S ratio of 2.46, which is -20.97% above the industry average. Given its robust revenue growth of 8.65%, this premium appears unsustainable.
What is the current P/B ratio for Citizens & Northern Corp (CZNC) as of Jan 10 2026?
As of Jan 10 2026, Citizens & Northern Corp (CZNC) has a P/B ratio of 1.06. This indicates that the market values CZNC at 1.06 times its book value.
What is the current FCF Yield for Citizens & Northern Corp (CZNC) as of Jan 10 2026?
As of Jan 10 2026, Citizens & Northern Corp (CZNC) has a FCF Yield of 8.92%. This means that for every dollar of Citizens & Northern Corp’s market capitalization, the company generates 8.92 cents in free cash flow.
What is the current Forward P/E ratio for Citizens & Northern Corp (CZNC) as of Jan 10 2026?
As of Jan 10 2026, Citizens & Northern Corp (CZNC) has a Forward P/E ratio of 8.39. This means the market is willing to pay $8.39 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 Jan 10 2026?
As of Jan 10 2026, Citizens & Northern Corp (CZNC) has a Forward P/S ratio of 2.46. This means the market is valuing CZNC at $2.46 for every dollar of expected revenue over the next 12 months.