CZNC Citizens & Northern PE ratio, current and historical analysis
The PE ratio for Citizens & Northern stock stands at 11.81 as of Apr 1, 2025. The calculation is based on the latest EPS of $1.69 and the stock price of $19.96 per share. A decrease of 3.1% has been observed in the PE ratio compared to its average of 12.2 of the last four quarters.
CZNC PE ratio history
Over the last ten years, the average PE ratio of Citizens & Northern has been 15.21. The current 11.81 P/E ratio is 22% lower than the historical average. Looking back at the last ten years, CZNC's PE ratio peaked in the Dec 2017 quarter at 21.82, with a price of $24 and an EPS of $1.1. The Sep 2023 quarter marked the lowest point at 9.8, with a price of $17.55 and an EPS of $1.79.
Citizens & Northern PE ratio by year
Maximum annual increase: 34.45% in 2013
Maximum annual decrease: -32.31% in 2018
| Year | PE ratio | PE change | Price | EPS |
|---|---|---|---|---|
| 2024 | 11.01 | -22.95% | $18.6 | $1.69 |
| 2023 | 14.29 | 6.88% | $22.43 | $1.57 |
| 2022 | 13.37 | -1.69% | $22.86 | $1.71 |
| 2021 | 13.6 | -10.88% | $26.12 | $1.92 |
| 2020 | 15.26 | -21.14% | $19.84 | $1.3 |
| 2019 | 19.35 | 31.01% | $28.25 | $1.46 |
| 2018 | 14.77 | -32.31% | $26.43 | $1.79 |
| 2017 | 21.82 | 8.29% | $24 | $1.1 |
| 2016 | 20.15 | 29.5% | $26.2 | $1.3 |
| 2015 | 15.56 | 3.87% | $21 | $1.35 |
| 2014 | 14.98 | 9.66% | $20.67 | $1.38 |
| 2013 | 13.66 | 34.45% | $20.63 | $1.51 |
| 2012 | 10.16 | 5.61% | $18.9 | $1.86 |
| 2011 | 9.62 | -6.15% | $18.47 | $1.92 |
| 2010 | 10.25 | N/A | $14.86 | $1.45 |
Citizens & Northern PE ratio by quarter (TTM)
| Year | PE ratio | PE change | Price | EPS |
|---|---|---|---|---|
| Dec 2024 | 11.01 | -19.46% | $18.6 | $1.69 |
| Sep 2024 | 13.67 | 16.94% | $19.69 | $1.44 |
| Jun 2024 | 11.69 | -5.42% | $17.89 | $1.53 |
| Mar 2024 | 12.36 | -13.51% | $18.78 | $1.52 |
| Dec 2023 | 14.29 | 45.82% | $22.43 | $1.57 |
| Sep 2023 | 9.8 | -19.8% | $17.55 | $1.79 |
| Jun 2023 | 12.22 | -4.53% | $19.3 | $1.58 |
| Mar 2023 | 12.8 | -4.26% | $21.38 | $1.67 |
| Dec 2022 | 13.37 | -7.67% | $22.86 | $1.71 |
| Sep 2022 | 14.48 | 10.87% | $24.18 | $1.67 |
| Jun 2022 | 13.06 | -3.04% | $24.17 | $1.85 |
| Mar 2022 | 13.47 | -0.96% | $24.38 | $1.81 |
| Dec 2021 | 13.6 | 2.33% | $26.12 | $1.92 |
| Sep 2021 | 13.29 | -12.68% | $25.26 | $1.9 |
| Jun 2021 | 15.22 | -0.13% | $24.5 | $1.61 |
CZNC average PE ratio chart
Currently, CZNC's PE ratio is lower than its 3, 5 and 10-year averages.
CZNC PE vs peers
In comparison to its peers ORRF and PWOD, CZNC's PE ratio is lower, but it is higher than FNB's and CUBI's. Citizens & Northern's PE ratio is trading above the peer average of 11.54.
| Stock name | PE ratio | Market cap |
|---|---|---|
| CUBI Customers Bancorp Inc | 9.62 | $1.6B |
| FNB Fnb Corp | 10.57 | $4.83B |
| STBA S&T Bancorp Inc | 10.83 | $1.42B |
| ACNB Acnb Corp | 11.03 | $436.05M |
| UVSP UNIVEST FINANCIAL Corp | 11.05 | $833.22M |
| CZNC Citizens & Northern Corp | 11.81 | $308.7M |
| PWOD Penns Woods Bancorp Inc | 11.95 | $213.77M |
| ORRF Orrstown Financial Services Inc | 19.92 | $578.92M |
| NWFL Norwood Financial Corp | N/A | $227.49M |
Frequently asked questions
What is Citizens & Northern's PE ratio?
The price to earnings ratio for CZNC stock is 11.81 as of Apr 1, 2025.
What is the 3-year average PE ratio for Citizens & Northern (CZNC)?
As an average over the last 3 years, CZNC stock has a PE ratio of 12.61.
What is the 5-year average PE ratio for Citizens & Northern (CZNC)?
As an average over the last 5 years, CZNC stock has a PE ratio of 13.24.
What is the highest PE ratio for CZNC?
The highest quarterly PE ratio in the last ten years has been 21.82 and it was in the Dec 2017 quarter.
How does the current PE ratio for CZNC compare to its historical average?
CZNC's current price to earnings ratio is 22% below its 10-year historical average.
How is CZNC's PE ratio calculated (Citizens & Northern PE ratio formula)?
The P/E ratio is obtained by dividing the latest price of a stock by its trailing twelve months EPS. As of today (Apr 1, 2025), Citizens & Northern's share price is $19.96. The company's earnings per share for the trailing twelve months (TTM) ending Dec 2024 is $1.69. Therefore, Citizens & Northern's PE ratio for today is 11.81. PE RATIO(11.81) = STOCK PRICE($19.96) / TTM EPS($1.69)
All PE ratio stats are based on quarterly TTM periods, unless otherwise specified. Data from 
and Sharadar.