Is Citizens & Northern Corporation overvalued?

Citizens & Northern Corporation (CZNC) looks overvalued — trading about 20% above its fair value.

Overvalued

Price

$25.56

Fair value

$20.53

Current P/E

17.6

Normal P/E

14.2

Market cap

$457.9M

Dividend yield

4.4%

Return on equity

7.7%

Sector

Financial Services

Fair value compares CZNC's current P/E to its own historical "normal" P/E (FAST Graphs-style). Updated 24 Sep 2026.

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