CZNC
Citizens & Northern Corp
Price:  
16.88 
USD
Volume:  
49,624.00
United States | Banks
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CZNC Fair Value

-55.32 %
Upside

As of 2024-06-20, the Fair Value of Citizens & Northern Corp (CZNC) is 7.54 USD. This value is based on the Peter Lynch's Fair Value formula. With the current market price of 16.88 USD, the upside of Citizens & Northern Corp is -55.32%.

16.88 USD
Stock Price
7.54 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
= 5.00 x 1.51
CZNC Fair Value
= 7.54

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
2019-12-31 2020-12-31 2021-12-31 2022-12-31 2023-12-31 5Y Avg
Net income 19.50 19.20 30.60 26.60 24.15 24.01
YoY growth -11.36% -1.54% 59.38% -13.07% -9.22% 4.84%

CZNC Fair Value - Key Data

Market Cap (mil) 259.61
P/E 11.19x
Forward P/E 10.54x
EPS 1.51
Avg earnings growth rate 4.84%
TTM earnings 23.20