As of 2026-03-23, the Fair Value of Citizens & Northern Corp (CZNC) is 9.16 USD. This value is based on the Peter Lynch's Fair Value formula. With the current market price of 21.68 USD, the upside of Citizens & Northern Corp is -57.76%.
With the market price of 21.68 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 57.76%.
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 | ||||||
| 2021-12-31 | 2022-12-31 | 2023-12-31 | 2024-12-31 | 2025-12-31 | 5Y Avg | |
| Net income | 30.60 | 26.60 | 24.15 | 25.96 | 23.43 | 26.15 |
| YoY growth | 59.38% | -13.07% | -9.22% | 7.50% | -9.75% | 6.97% |
| Market Cap (mil) | 386.34 |
| P/E | 16.49x |
| Forward P/E | 14.40x |
| EPS | 1.31 |
| Avg earnings growth rate | 6.97% |
| TTM earnings | 23.43 |