Is Citizens & Northern Corporation overvalued?

Citizens & Northern Corporation (CZNC) looks overvalued — trading about 27% above its fair value.

Overvalued

Price

$28.12

Fair value

$20.53

Current P/E

19.4

Normal P/E

14.2

Market cap

$504.8M

Dividend yield

4.1%

Return on equity

10.3%

Sector

Financial Services

Fair value compares CZNC's current P/E to its own historical "normal" P/E (FAST Graphs-style). Updated 12 Nov 2026.

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