Citizens & NorthernCZNC.OValuation Analysis
Based on the blended 10-year P/E and P/B percentiles, the stock currently sits in the “Fair Value Range” zone.
As of Oct 16, 2026, Citizens & Northern (CZNC.O) trades at a P/E of 18.10x, P/B of 1.33x, P/S of 3.21x, and a dividend yield of 3.30%.
Longitudinal percentile comparison: P/E sits at the 77th percentile over the trailing 10Y window (vs. 86th percentile over 3Y); P/B sits at the 51st percentile over the trailing 10Y window (vs. 89th percentile over 3Y); P/S sits at the 35th percentile over the trailing 10Y window (vs. 88th percentile over 3Y).
Cross-sectional valuation: its P/E ranks at the 57th percentile within its industry and the 47th percentile across the broader market.
Shareholder return highlight: Total Shareholder Yield is 3.35%, ranking at the 2nd percentile over the trailing 20Y window.
Notably, P/E and P/B aren't telling quite the same story, 26.0 points apart — worth checking the full percentile matrix on this page for the complete picture. The P/E percentile sits lower across the market than within its own industry — relatively cheaper next to the market as a whole. Shareholder returns here are driven almost entirely by cash dividends, with minimal contribution from buybacks. Citizens & Northern operates in the Finance, Insurance, And Real Estate sector. Data refreshes weekly and is for reference only, not investment advice.
Also listed as: NASDAQ: CZNC · CZNC
Want the full picture on whether Citizens & Northern (CZNC.O) is under- or over-valued? See the full 3Y / 5Y / 10Y / 20Y P/E, P/B, P/S, Dividend Yield & Total Shareholder Yield percentile matrix and the interactive ECharts trend chart on this page.
Historical Percentiles by Metric
| Metric | Current | Market Percentile | Industry Percentile | 3Y Pctl | 5Y Pctl | 10Y Pctl | 20Y Pctl |
|---|---|---|---|---|---|---|---|
| P/E (TTM) | 18.10 | ||||||
| P/B (MRQ) | 1.33 | ||||||
| P/S (TTM) | 3.21 | ||||||
| Dividend Yield | 3.30% | ||||||
| Buyback + Div Yield | 3.35% |