Citizens & Northern Corp (CZNC) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Citizens & Northern Corp stock (CZNC) is currently trading at $22.11. Citizens & Northern Corp PE ratio is 14.85. Citizens & Northern Corp PS ratio (Price-to-Sales) is 3.33. Analyst consensus price target for CZNC is $25.00. WallStSmart rates CZNC as Hold.
- CZNC PE ratio analysis and historical PE chart
- CZNC PS ratio (Price-to-Sales) history and trend
- CZNC intrinsic value — DCF, Graham Number, EPV models
- CZNC stock price prediction 2025 2026 2027 2028 2029 2030
- CZNC fair value vs current price
- CZNC insider transactions and insider buying
- Is CZNC undervalued or overvalued?
- Citizens & Northern Corp financial analysis — revenue, earnings, cash flow
- CZNC Piotroski F-Score and Altman Z-Score
- CZNC analyst price target and Smart Rating
Citizens & Northern Corp
📊 No data available
Try selecting a different time range
CZNC Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Citizens & Northern Corp (CZNC)
CZNC trades 133% above its Graham fair value of $9.93, indicating the stock may be overvalued at current levels.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Citizens & Northern Corp (CZNC) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in peg ratio, operating margin, price/book. Concerns around return on equity and eps growth. Fundamentals are solid but monitor weak areas for improvement.
Citizens & Northern Corp (CZNC) Key Strengths (5)
Keeps $35 of every $100 in revenue after operating costs
Keeps $20 of every $100 in revenue as net profit
Good growth relative to its price
Trading at 1.14x book value, attractively priced
Strong revenue growth at 24.50% annually
Supporting Valuation Data
Citizens & Northern Corp (CZNC) Areas to Watch (5)
Earnings declining -52.60%, profits shrinking
Low profitability relative to shareholder equity
Small-cap company with higher risk but more growth potential
Revenue is fairly priced at 3.33x sales
Moderate institutional interest at 31.20%
Citizens & Northern Corp (CZNC) Detailed Analysis Report
Overall Assessment
This company scores 65/100 in our Smart Analysis, earning a C+ grade. Out of 10 metrics analyzed, 5 register as strengths (avg 8.8/10) while 5 fall into concern territory (avg 4.0/10). All four categories (Growth, Profitability, Valuation, and Quality) show healthy scores, indicating broadly sound fundamentals.
The Bull Case
The strongest argument centers on Operating Margin, Profit Margin, PEG Ratio. Valuation metrics including PEG Ratio (1.21), Price/Book (1.14) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 34.50%, Profit Margin at 20.10%. Growth metrics are encouraging with Revenue Growth at 24.50%.
The Bear Case
The primary concerns are EPS Growth, Return on Equity, Market Cap. Some valuation metrics including Price/Sales (3.33) suggest expensive pricing. Growth concerns include EPS Growth at -52.60%, which may limit upside. Profitability pressure is visible in Return on Equity at 7.59%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether EPS Growth improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 7.59% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 24.50% strong but requiring continuation.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. Strengths and concerns are roughly balanced. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Operating Margin, Profit Margin) and negatives (EPS Growth, Return on Equity). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
CZNC Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
CZNC's Price-to-Sales ratio of 3.33x trades 36% below its historical average of 5.19x (13th percentile). The current valuation is 62% below its historical high of 8.85x set in Jan 2007, and 99% above its historical low of 1.67x in Nov 2009.
WallStSmart Analysis Synopsis
Data-driven financial summary for Citizens & Northern Corp (CZNC) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
Citizens & Northern Corp is a strong growth company balancing expansion with improving profitability. Revenue reached 117M with 25% growth year-over-year. Profit margins are strong at 20.1%, reflecting pricing power and operational efficiency.
Key Findings
Profit margin of 20.1% and operating margin of 34.5% demonstrate strong pricing power and operational efficiency.
Generating 9M in free cash flow and 11M in operating cash flow. Earnings are translating into actual cash generation.
Earnings fell 53% YoY while revenue grew 25%. This gap usually reflects one-time items (tax benefits, write-offs) in the prior period, not an operational decline.
What to Watch Next
Growth sustainability: can Citizens & Northern Corp maintain 25%+ revenue growth, or will competition slow it down?
Dividend sustainability with a current yield of 5.2%. Watch payout ratio and free cash flow coverage.
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact Citizens & Northern Corp.
Bottom Line
Citizens & Northern Corp offers an attractive blend of growth (25% revenue expansion) and improving fundamentals. The company is transitioning from pure growth to profitable growth, a critical inflection point. Watch for sustained margin expansion as the key signal.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions(76 last 3 months)
| Insider | Type | Shares |
|---|---|---|
SHATTUCK, KATHERINE W Director | Sell | -500 |
Data sourced from SEC Form 4 filings
Last updated: 10:11:38 AM
About Citizens & Northern Corp(CZNC)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
Citizens & Northern Corporation is the banking holding company for Citizens & Northern Bank providing a range of banking and mortgage services to individual and corporate clients in northern central Pennsylvania and southern New York. The company is headquartered in Wellsboro, Pennsylvania.