We’ve recently updated our valuation analysis.

Citizens & Northern Valuation

Is CZNC undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score


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

  • Analyst Forecast

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.

CZNC key valuation metrics and ratios. From Price to Earnings, Price to Sales and Price to Book to Price to Earnings Growth Ratio, Enterprise Value and EBITDA.
Key Statistics
Enterprise Value/Revenuen/a
Enterprise Value/EBITDAn/a
PEG Ration/a

Price to Earnings Ratio vs Peers

How does CZNC's PE Ratio compare to its peers?

CZNC PE Ratio vs Peers
The above table shows the PE ratio for CZNC vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyPEEstimated GrowthMarket Cap
Peer Average8.2x
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.

CZNC PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio13x
Fair PE Ration/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.

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