As of 2025-07-02, the Fair Value of Citizens & Northern Corp (CZNC) is 14.97 USD. This value is based on the Peter Lynch's Fair Value formula. With the current market price of 18.94 USD, the upside of Citizens & Northern Corp is -20.94%.
With the market price of 18.94 USD and our fair value calculation, Citizens & Northern Corp (CZNC) is not a good investment. Investing in CZNC stocks now will result in a potential loss of 20.94%.
Peter Lynch's formula is:
The earnings growth rate we use in the formula is the average growth rate of net income/earnings over the last 5 years. If the average growth rate is smaller than 5%, we set it to 5%. If it is larger than 25%, we set it to 25%. If the TTM EPS is negative, Peter Lynch Fair Value's result can be unreliable.
| Historical Earnings | ||||||
| 2020-12-31 | 2021-12-31 | 2022-12-31 | 2023-12-31 | 2024-12-31 | 5Y Avg | |
| Net income | 19.20 | 30.60 | 26.60 | 24.15 | 25.96 | 25.30 |
| YoY growth | -1.54% | 59.38% | -13.07% | -9.22% | 7.50% | 8.61% |
| Market Cap (mil) | 293.38 |
| P/E | 10.89x |
| Forward P/E | 10.41x |
| EPS | 1.74 |
| Avg earnings growth rate | 8.61% |
| TTM earnings | 26.94 |