CZNC
Citizens & Northern Corp
Price:  
18.65 
USD
Volume:  
16,531.00
United States | Banks
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CZNC Fair Value

89.55 %
Upside

As of 2024-02-23, the Fair Value of Citizens & Northern Corp (CZNC) is 35.35 USD. This value is based on the Peter Lynch's Fair Value formula. With the current market price of 18.65 USD, the upside of Citizens & Northern Corp is 89.55%.

18.65 USD
Stock Price
35.35 USD
Fair Price
FAIR VALUE CALCULATION

CZNC Fair Value

Peter Lynch's formula is:

CZNC Fair Value
= Earnings Growth Rate x TTM EPS
CZNC Fair Value
= 19.52 x 1.81
CZNC Fair Value
= 35.35

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
2018-12-31 2019-12-31 2020-12-31 2021-12-31 2022-12-31 5Y Avg
Net income 22.00 19.50 19.20 30.60 26.60 23.58
YoY growth 64.18% -11.36% -1.54% 59.38% -13.07% 19.52%

CZNC Fair Value - Key Data

Market Cap (mil) 284.79
P/E 10.30x
Forward P/E 10.60x
EPS 1.81
Avg earnings growth rate 19.52%
TTM earnings 27.66