CZNC
Citizens & Northern Corp
Price:  
18.35 
USD
Volume:  
78,474.00
United States | Banks
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CZNC Fair Value

-18.40 %
Upside

What is the fair value of CZNC?

As of 2025-06-22, 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 18.35 USD, the upside of Citizens & Northern Corp is -18.40%.

Is CZNC a good investment?

With the market price of 18.35 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 18.40%.

18.35 USD
Stock Price
14.97 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
= 8.61 x 1.74
CZNC Fair Value
= 14.97

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%

CZNC Fair Value - Key Data

Market Cap (mil) 284.24
P/E 10.55x
Forward P/E 10.09x
EPS 1.74
Avg earnings growth rate 8.61%
TTM earnings 26.94