Citizens & Northern Valuation
Is CZNC undervalued compared to its fair value, analyst forecasts and its price relative to the market?
Valuation Score 1/6
Price-To-Earnings vs Peers
Price-To-Earnings vs Industry
Price-To-Earnings vs Fair Ratio
Below Fair Value
Significantly Below Fair Value
Key Valuation Metric
Which metric is best to use when looking at relative valuation for CZNC?
Other financial metrics that can be useful for relative valuation.
|What is CZNC's n/a Ratio?|
Price to Earnings Ratio vs Peers
How does CZNC's PE Ratio compare to its peers?
|CZNC PE Ratio vs Peers|
|Company||PE||Estimated Growth||Market Cap|
FMAO Farmers & Merchants Bancorp
FISI Financial Institutions
AMBZ American Business Bank
SMMF Summit Financial Group
CZNC Citizens & Northern
Price-To-Earnings vs Peers: CZNC is expensive based on its Price-To-Earnings Ratio (13x) compared to the peer average (8.2x).
Price to Earnings Ratio vs Industry
How does CZNC's PE Ratio compare vs other companies in the US Banks Industry?
Price-To-Earnings vs Industry: CZNC is expensive based on its Price-To-Earnings Ratio (13x) compared to the US Banks industry average (9.4x)
Price to Earnings Ratio vs Fair Ratio
What is CZNC's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.
|Current PE Ratio||13x|
|Fair PE Ratio||n/a|
Price-To-Earnings vs Fair Ratio: Insufficient data to calculate CZNC's Price-To-Earnings Fair Ratio for valuation analysis.
Share Price vs Fair Value
What is the Fair Price of CZNC when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.
Below Fair Value: CZNC ($24.18) is trading below our estimate of fair value ($28.59)
Significantly Below Fair Value: CZNC is trading below fair value, but not by a significant amount.
Analyst Price Targets
What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?
Analyst Forecast: Insufficient data to show price forecast.