CZNC Relative Valuation - Citizens & Northern Corp - Alpha Spread

Citizens & Northern Corp
NASDAQ:CZNC

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Citizens & Northern Corp
NASDAQ:CZNC
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Price: 19.95 USD Market Closed
Market Cap: 306.8m USD
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Relative Value

The Relative Value of one CZNC stock under the Base Case scenario is 19.6 USD. Compared to the current market price of 19.95 USD, Citizens & Northern Corp is Overvalued by 2%.

Relative Value is the estimated value of a stock based on various valuation multiples like P/E and EV/EBIT ratios. It offers a quick snapshot of a stock's valuation in relation to its peers and historical norms.

CZNC Relative Value
Base Case
19.6 USD
Overvaluation 2%
Relative Value
Price
Worst Case
Base Case
Best Case

Valuation Multiples

vs History
66
vs Industry
37
Median 3Y
3.2
Median 5Y
3.3
Industry
2.3
Forward
2.8
vs History
41
vs Industry
29
Median 3Y
12.6
Median 5Y
12.8
Industry
10.1
Forward
11.8
vs History
57
vs Industry
33
Median 3Y
1.2
Median 5Y
1.2
Industry
0.9
vs History
77
vs Industry
31
Median 3Y
0.2
Median 5Y
0.2
Industry
0.1

Multiples Across Competitors

CZNC Competitors Multiples
Citizens & Northern Corp Competitors

All Multiples
P/S
P/E
P/B
All Countries
Close
Market Cap P/S P/E P/B
US
Citizens & Northern Corp
NASDAQ:CZNC
306.8m USD 2.9 13.3 1.2
US
PNC Financial Services Group Inc
NYSE:PNC
74.4B USD 3.5 15.6 1.4
US
Truist Financial Corp
NYSE:TFC
57.5B USD 4 -26.4 0.9
US
M&T Bank Corp
NYSE:MTB
30B USD 3.3 13.3 1.1
US
Fifth Third Bancorp
NASDAQ:FITB
29.7B USD 3.5 13.8 1.6
US
First Citizens BancShares Inc (Delaware)
NASDAQ:FCNCA
27.9B USD 2.8 10.6 1.2
US
Huntington Bancshares Inc
NASDAQ:HBAN
21.7B USD 3 14 1.1
US
Regions Financial Corp
NYSE:RF
21.4B USD 3 12.9 1.2
CN
Bank of Jiangsu Co Ltd
SSE:600919
136.9B CNY 1.7 4.7 0.5
US
Citizens Financial Group Inc
NYSE:CFG
19.2B USD 2.4 15.7 0.8
CN
Bank of Ningbo Co Ltd
SZSE:002142
124.3B CNY 1.8 4.9 0.6

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