SharesGrow 7-Criteria Score
All 7 criteria scored · valuation-related highlighted on this page
Citizens & Northern Corporation (CZNC) trades at a trailing P/E of 17.6, forward P/E of 9.4. Trailing earnings yield is 5.67%, forward earnings yield 10.67%. PEG 0.13 (Peter Lynch undervalued ≤1.0). Graham Number is $24.03.
Criteria proven by this page:
- VALUE (52/100, Partial) — mixed signals — some valuation metrics are favorable while others are stretched.
- Forward P/E 9.4 (down from trailing 17.6) — analysts expect earnings to grow, which would improve the valuation.
- PEG Ratio 0.13 — below 1.0 suggests the stock is undervalued relative to its earnings growth rate (Peter Lynch criterion).
- Trailing Earnings Yield 5.67% — exceeds typical bond yields (~4.3%), making equity attractive vs fixed income. Forward yield improves to 10.67% as earnings recover.
- Analyst consensus target $23.50 (+0.3% upside) — modest upside expected.
Overall SharesGrow Score: 54/100 with 2/7 criteria passed.
SharesGrow 7-Criteria Score
~
VALUE
52/100
Price-to-Earnings & upside
Proven by this page
✗
HEALTH
33/100
Debt-to-Equity & liquidity
→ Health
Valuation Snapshot — CZNC
Valuation Multiples
P/E (TTM)17.6
Forward P/E9.4
PEG Ratio0.13
Forward PEG0.13
P/B Ratio1.21
P/S Ratio2.32
EV/EBITDA16.7
Per Share Data
EPS (TTM)$1.33
Forward EPS (Est.)$2.50
Book Value / Share$19.34
Revenue / Share$8.77
FCF / Share$1.64
Yields & Fair Value
Earnings Yield5.67%
Forward Earnings Yield10.67%
Dividend Yield4.79%
Graham Number$24.03
SharesGrow IV$46.44 (+98.3%)
Analyst Target$23.50 (+0.3%)
Historical Valuation
| Year |
P/E (TTM) |
PEG Ratio |
P/B Ratio |
P/S Ratio |
Dividend Yield |
| 2016 |
20.0 |
-5.40 |
1.69 |
5.29 |
3.52% |
| 2017 |
21.6 |
-1.41 |
1.54 |
4.77 |
3.83% |
| 2018 |
14.7 |
0.23 |
1.64 |
4.64 |
3.63% |
| 2019 |
19.3 |
-1.02 |
1.54 |
4.53 |
3.74% |
| 2020 |
15.2 |
-1.39 |
0.98 |
2.91 |
4.95% |
| 2021 |
13.5 |
0.28 |
1.37 |
3.78 |
3.88% |
| 2022 |
13.3 |
-1.21 |
1.42 |
3.06 |
4.49% |
| 2023 |
14.2 |
-1.73 |
1.30 |
2.51 |
4.55% |
| 2024 |
10.9 |
1.43 |
1.03 |
1.83 |
5.47% |
| 2025 |
13.7 |
-1.01 |
0.94 |
2.09 |
5.06% |
P/E Ratio & Earnings Yield
Earnings Per Share (EPS) History
| Year |
EPS (Diluted) |
Revenue |
Net Income |
Net Margin |
| 2016 |
$1.30 |
$59.63M |
$15.76M |
26.4% |
| 2017 |
$1.10 |
$60.99M |
$13.43M |
22% |
| 2018 |
$1.80 |
$69.65M |
$22.01M |
31.6% |
| 2019 |
$1.46 |
$82.98M |
$19.5M |
23.5% |
| 2020 |
$1.30 |
$100.44M |
$19.22M |
19.1% |
| 2021 |
$1.92 |
$108.95M |
$30.55M |
28% |
| 2022 |
$1.71 |
$115.48M |
$26.62M |
23.1% |
| 2023 |
$1.57 |
$136.24M |
$24.15M |
17.7% |
| 2024 |
$1.71 |
$155.47M |
$25.96M |
16.7% |
| 2025 |
$1.46 |
$154.19M |
$23.43M |
15.2% |
Analyst Estimates
| Year |
EPS (Avg) |
EPS Range |
Revenue (Avg) |
Revenue Range |
Analysts |
| 2026 |
$2.50 |
$2.50 – $2.50 |
$146.9M |
$146.9M – $146.9M |
1 |
| 2027 |
$2.70 |
$2.70 – $2.70 |
$154.2M |
$154.2M – $154.2M |
1 |
