CZNC Citizens & Northern PE ratio, current and historical analysis
The PE ratio for Citizens & Northern stock stands at 14.48 as of Feb 21, 2025. The calculation is based on the latest EPS of $1.44 and the stock price of $20.85 per share. An increase of 11% has been observed in the PE ratio compared to its average of 13.0 of the last four quarters.
CZNC PE ratio history
Over the last ten years, the average PE ratio of Citizens & Northern has been 15.31. The current 14.48 P/E ratio is 5% 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 |
|---|---|---|---|---|
| 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 |
| 2009 | N/A | N/A | $9.54 | -$4.4 |
Citizens & Northern PE ratio by quarter (TTM)
| Year | PE ratio | PE change | Price | EPS |
|---|---|---|---|---|
| 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 |
| Mar 2021 | 15.24 | -0.13% | $23.78 | $1.56 |
CZNC average PE ratio chart
Currently, CZNC's PE ratio is higher than the 3 and 5-year averages, but it is lower than its 10-year average.
CZNC PE vs peers
In comparison to its peers ORRF and NWFL, 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 12.62.
| Stock name | PE ratio | Market cap |
|---|---|---|
| CUBI Customers Bancorp Inc | 8.32 | $1.67B |
| STBA S&T Bancorp Inc | 11.12 | $1.51B |
| PWOD Penns Woods Bancorp Inc | 11.19 | $223.7M |
| ACNB Acnb Corp | 11.74 | $346.13M |
| UVSP UNIVEST FINANCIAL Corp | 11.81 | $860.83M |
| FNB Fnb Corp | 13.56 | $5.31B |
| CZNC Citizens & Northern Corp | 14.48 | $321.38M |
| NWFL Norwood Financial Corp | 15.76 | $204.07M |
| ORRF Orrstown Financial Services Inc | 17.49 | $640.71M |
Frequently asked questions
What is Citizens & Northern's PE ratio?
The price to earnings ratio for CZNC stock is 14.48 as of Feb 21, 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 12.84.
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 13.44.
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 5% 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 (Feb 21, 2025), Citizens & Northern's share price is $20.85. The company's earnings per share for the trailing twelve months (TTM) ending Sep 2024 is $1.44. Therefore, Citizens & Northern's PE ratio for today is 14.48. PE RATIO(14.48) = STOCK PRICE($20.85) / TTM EPS($1.44)
All PE ratio stats are based on quarterly TTM periods, unless otherwise specified. Data from 
and Sharadar.