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Saturday 7 November 2026
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Citizens & Northern Corp
CZNC Financial Banks Regional
Citizens & Northern Corp’s revenue for fiscal 2025 (year ended December 2025) was $170.1 million, up 8.13% from fiscal 2024.
- Revenue
- +26.1%
- EPS
- +119.1%
- Free cash flow
- +65.3%
- Total debt
- −15.4%
Quarter to September 2026, against a year earlier
27.92
0.33
−1.17%
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Citizens & Northern Corp (CZNC) P/E ratio
As of 6 November 2026, Citizens & Northern Corp (CZNC) trades at a P/E ratio of 14.1×. Over the past ten years it has ranged from 9.5× (October 2023) to 23.5× (June 2018); the current reading is higher than 41% of that period. That is above the Banks Regional industry median of 11.9× and above the Financial sector median of 12.0×.
P/E ratio, daily
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Annual newest first
| Period | P/E ratio | Change |
|---|---|---|
| FY2025 | 13.6× | 23.83% |
| FY2024 | 11.0× | (24.15%) |
| FY2023 | 14.5× | 8.63% |
| FY2022 | 13.4× | (1.82%) |
| FY2021 | 13.6× | (10.86%) |
| FY2020 | 15.3× | (20.59%) |
| FY2019 | 19.2× | 30.15% |
| FY2018 | 14.8× | (32.49%) |
| FY2017 | 21.9× | 9.00% |
| FY2016 | 20.1× | 29.00% |
Quarterly newest first
| Period | P/E ratio | Change |
|---|---|---|
| Sep 2026 | 12.7× | (19.83%) |
| Jun 2026 | 15.8× | (23.24%) |
| Mar 2026 | 20.6× | 51.03% |
| Dec 2025 | 13.6× | 21.08% |
| 43 more quarters | Free account |
Against its own ten years
Low 9.5×
High 23.5×
Ten-year median
14.7×
Current reading's percentile
44
P/E ratio against peers
| Company | P/E ratio |
|---|---|
| NRIM Northrim BanCorp Inc compare | 9.4× |
| HBCP Home Bancorp, Inc. compare | 10.6× |
| PBAM Private Bancorp of America, Inc. compare | 10.8× |
| OBT Orange County Bancorp, Inc. compare | 11.1× |
| PDLB Ponce Financial Group, Inc. compare | 11.2× |
| FRBA First Bank compare | 11.4× |
| FMAO Farmers & Merchants Bancorp Inc. compare | 11.7× |
| WTBA West Bancorporation, Inc. compare | 12.8× |
| CZNC Citizens & Northern Corp | 14.1× |
| Banks Regional industry median | 11.9× |
| Financial sector median | 12.0× |
| Market median | 17.8× |
What P/E ratio is
Price to Earnings Ratio shows how much investors pay for each dollar of a company’s annual profit per share.
Stock Price ÷ EPS (Basic) (TTM)