Citizens & Northern Corp
NASDAQ:CZNC
Decide at what price you'd be comfortable buying and we'll help you stay ready.
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P/S
Price to Sales (P/S) ratio shows how much investors pay for each dollar of a company`s sales. It`s calculated by dividing the company`s market value by its total revenue.
Price to Sales (P/S) ratio shows how much investors pay for each dollar of a company`s sales. It`s calculated by dividing the company`s market value by its total revenue.
Valuation Scenarios
If P/S returns to its 3-Year Average (2.7), the stock would be worth $18.82 (16% downside from current price).
| Scenario | P/S Value | Implied Price | Upside/Downside |
|---|---|---|---|
| Current Multiple | 3.2 | $22.37 |
0%
|
| 3-Year Average | 2.7 | $18.82 |
-16%
|
| 5-Year Average | 3 | $20.41 |
-9%
|
| Industry Average | 3.4 | $23.26 |
+4%
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| Country Average | 2.4 | $16.77 |
-25%
|
Forward P/S
Today’s price vs future revenue
| Today's Market Cap | Revenue | Forward P/S | ||
|---|---|---|---|---|
|
$399.6m
|
/ |
Jan 2026
$122.7m
|
= |
|
|
$399.6m
|
/ |
Dec 2026
$120.3m
|
= |
|
Forward P/S shows whether today’s P/S still looks high or low once future revenue are taken into account.
Peer Comparison
| Market Cap | P/S | P/E | ||||
|---|---|---|---|---|---|---|
| US |
|
Citizens & Northern Corp
NASDAQ:CZNC
|
409.9m USD | 3.2 | 17.2 | |
| US |
|
PNC Financial Services Group Inc
NYSE:PNC
|
87.9B USD | 3.8 | 13.1 | |
| US |
|
Truist Financial Corp
NYSE:TFC
|
63.1B USD | 3.1 | 12.3 | |
| US |
|
Fifth Third Bancorp
NASDAQ:FITB
|
45.1B USD | 4.7 | 22.7 | |
| US |
|
Huntington Bancshares Inc
NASDAQ:HBAN
|
33.1B USD | 3.8 | 16.3 | |
| CN |
|
Bank of Ningbo Co Ltd
SZSE:002142
|
221.6B CNY | 2.9 | 8 | |
| US |
|
M&T Bank Corp
NYSE:MTB
|
31.7B USD | 3.3 | 11.5 | |
| CN |
|
Bank of Jiangsu Co Ltd
SSE:600919
|
209.2B CNY | 2.3 | 6.5 | |
| JP |
|
Resona Holdings Inc
TSE:8308
|
4.4T JPY | 4.1 | 16.4 | |
| US |
|
Citizens Financial Group Inc
NYSE:CFG
|
27.2B USD | 3.3 | 15.1 | |
| US |
|
Regions Financial Corp
NYSE:RF
|
23.9B USD | 3.2 | 11.4 |
Market Distribution
| Min | 0 |
| 30th Percentile | 1.2 |
| Median | 2.4 |
| 70th Percentile | 4.1 |
| Max | 4 613 274.2 |
Other Multiples
Citizens & Northern Corp
Glance View
Citizens & Northern Corp. operates as a holding company. The company is headquartered in Wellsboro, Pennsylvania and currently employs 258 full-time employees. The firm's principal activity is community banking. The company provides banking and related services to individual and corporate customers. Its lending products include commercial, mortgage, and consumer loans, as well as specialized instruments such as commercial letters of credit. Its deposit products include various types of checking accounts, passbook and statement savings, money market accounts, interest checking accounts, Individual Retirement Accounts and certificates of deposit. The firm provides wealth management services through its trust department, including administration of trusts and estates, retirement plans, and other employee benefit plans and investment management services. The company offers personal and commercial insurance products through its subsidiary C&N Financial Services Corporation. C&N Financial Services Corporation also offers mutual funds, annuities, educational savings accounts and other investment products.
