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 8.61 is considered Undervalued compared with the five-year average of 12.22. The fair price of Citizens & Northern Corp (CZNC) is between 25.20 to 32.50 according to relative valuation methord. Compared to the current price of 20.60 USD , Citizens & Northern Corp is Undervalued By 18.26%.
Relative Value
Fair Zone
25.20-32.50
Current Price：20.60
18.26%
Undervalued
8.61
PE
1Y
3Y
5Y
Trailing
Forward
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.
2.53
PS
Citizens & Northern Corp. (CZNC) has a current PS of 2.53. 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 2.53 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 1.08. Compared to its 3-year average P/B ratio of 1.15 , the current P/B ratio is approximately -6.09% higher. Relative to its 5-year average P/B ratio of 1.23, the current P/B ratio is about -11.87% higher. Citizens & Northern Corp (CZNC) has a Forward Free Cash Flow (FCF) yield of approximately 0.00%. Compared to its 3-year average FCF yield of 9.42%, the current FCF yield is approximately -100.00% lower. Relative to its 5-year average FCF yield of 8.72% , the current FCF yield is about -100.00% lower.
1.08
P/B
Median3y
1.15
Median5y
1.23
8.68
FCF Yield
Median3y
9.42
Median5y
8.72
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
P/S
Revenue Growth
Market Cap
Performance Decomposition
1Y
3Y
5Y
Market capitalization of CZNC increased by 13.33% over the past 1 year. The primary factor behind the change was an increase in P/E Change from 10.63 to 11.69.
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.
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FAQ
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