Is Citizens & Northern Corporation overvalued?

Citizens & Northern Corporation (CZNC) looks overvalued — trading about 21% above its fair value.

Overvalued

Price

$25.98

Fair value

$20.53

Current P/E

17.9

Normal P/E

14.2

Market cap

$465.5M

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 11 Aug 2026.

Related stocks