CZNC
Citizens & Northern
PE ratio, current and historical analysis
- Stocks
- Financial Services
- NASDAQ: CZNC
- PE Ratio
The PE ratio for Citizens & Northern stock stands at 19.77 as of Jun 5, 2026. The calculation is based on the latest EPS of $1.08 and the stock price of $21.35 per share. An increase of 40% has been observed in the PE ratio compared to its average of 14.1 of the last four quarters.
CZNC PE ratio history
Over the last ten years, the average PE ratio of Citizens & Northern has been 15.04. The current 19.77 P/E ratio is 31% higher 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 |
|---|---|---|---|---|
| 2025 | 13.82 | 25.52% | $20.17 | $1.46 |
| 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 |
Citizens & Northern PE ratio by quarter (TTM)
| Year | PE ratio | PE change | Price | EPS |
|---|---|---|---|---|
| Mar 2026 | 20.69 | 49.71% | $22.34 | $1.08 |
| Dec 2025 | 13.82 | 22.74% | $20.17 | $1.46 |
| Sep 2025 | 11.26 | 4.07% | $19.81 | $1.76 |
| Jun 2025 | 10.82 | -5.91% | $18.94 | $1.75 |
| Mar 2025 | 11.5 | 4.45% | $20.12 | $1.75 |
| 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 |
CZNC Price vs fair value
CZNC average PE ratio chart
What this chart measures
The Historical Valuation Regime chart shows where the stock's current valuation sits relative to its own historical valuation range over the selected lookback period.
This is a history-relative tool, not a market-relative percentile. It does not compare the stock to other companies. Instead, it compares each historical valuation reading to the stock's own past readings.
Percentile logic
The threshold lines are calculated them from the stock's real historical values using percentile interpolation. That is why some colored bands are narrow while others are wide: the band widths reflect how the stock actually traded through time.
Regime map
| Historical percentile | Regime | Chart meaning |
|---|---|---|
| 0-10 | Historically Low | Deep cheap zone |
| >10-25 | Below Average | Cheap relative to history |
| >25-75 | Average | Within the normal historical range |
| >75-90 | Above Average | Expensive relative to history |
| >90-100 | Historically High | Extreme or stretched valuation |
How to read each part
| Chart element | What it tells you |
|---|---|
| Main line | The actual historical valuation values over time for the selected metric. |
| Dashed horizontal lines | The stock's computed P10, P25, Median, P75, and P90 thresholds for the selected period. |
| Colored bands | The historical valuation zones between those thresholds. |
| Metric boxes | Current ratio, historical median, current percentile, and current regime. |
| Timeline strip | A condensed regime history showing how the stock moved between cheap, fair, and expensive states across each observation. |
Important metric definitions
Current Percentile is the percentile rank of the latest valid historical observation within the selected lookback range.
Current Regime is assigned directly from the latest observation's percentile bucket using the fixed 10 / 25 / 75 / 90 cutoffs shown above.
How to use it well
This chart is most useful for answering a narrow question: Is this stock trading high, low, or normal relative to its own history? It works best alongside growth, profitability, and forward-looking business analysis, because a stock can deserve a higher or lower regime if its business quality has changed.
Currently, CZNC's PE ratio is higher than the 3, 5 and 10-year averages.
PE comparison
Citizens & Northern's price to earnings (P/E) of 19.77 is higher than the Financial Services sector, the industry and its peers average. In comparison with the Financial Services sector average of 12.49, Citizens & Northern's price to earnings (P/E) is 58% higher.
CZNC PE vs peers
In comparison to its peer stocks FNB and CUBI, CZNC's PE ratio is higher. Citizens & Northern's PE ratio is trading above the peer average of 10.85.
| Stock name | PE ratio | Market cap |
|---|---|---|
| ORRF Orrstown Financial Services Inc | 8.57 | $740.53M |
| CUBI Customers Bancorp Inc | 9.03 | $2.5B |
| FNB Fnb Corp | 10.92 | $6.3B |
| ACNB Acnb Corp | 11.2 | $560.44M |
| NWFL Norwood Financial Corp | 11.4 | $335.32M |
| UVSP UNIVEST FINANCIAL Corp | 12.11 | $1.13B |
| STBA S&T Bancorp Inc | 12.74 | $1.64B |
| CZNC Citizens & Northern Corp | 19.77 | $382.52M |
Frequently asked questions
What is Citizens & Northern's PE ratio?
The price to earnings ratio for CZNC stock is 19.77 as of Jun 5, 2026.
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 12.76.
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 13.12.
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 31% above 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 (Jun 5, 2026), Citizens & Northern's share price is $21.35. The company's earnings per share for the trailing twelve months (TTM) ending Mar 2026 is $1.08. Therefore, Citizens & Northern's PE ratio for today is 19.77. PE RATIO(19.77) = STOCK PRICE($21.35) / TTM EPS($1.08)
All PE ratio stats are based on quarterly TTM periods, unless otherwise specified.