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Citizens & Northern CZNC Price / book

Price / book at other companies

Citizens Financial Services, Inc.CZFS

0.9×0.0×

CNB FinancialCCNE

1×+0.2×

Capital City Bank GroupCCBG

1.3×+0.1×

West BancorporationWTBA

1.5×+0.1×

Greene County BancorpGCBC

1.4×-0.4×

Northwest BancsharesNWBI

1×0.0×

Other financials

Income statement

Revenue$36.6M+35.8%

Net income$273.0K-95.7%

EPS (diluted)$0.02-95.1%

Balance sheet

Cash & equivalents$54.8M-52.2%

Total debt$13.6M+2,280%

Total equity$335.6M+19.1%

Total assets$3.2B+21.3%

Cash flow

Operating cash flow$8.7M+447%

CapEx$188.0K-65.3%

Free cash flow$8.5M+713%

Valuation

Market cap$402.23M+41.5%

Enterprise value$361.02M+112%

P/E23.1×+12.6×

P/S3×+0.4×

Profitability

Net margin13.2%-11.4pp

FCF margin28.3%+3.5pp

Returns & leverage

Return on equity5.6%-4.3pp

Debt / equity0×0.0×

Where this comes from

Calculated from Citizens & Northern’s reported figures.

market cap/total stockholders equity=1.2×

Based on the most recent quarter.

The official record: Citizens & Northern’s 10-Q, filed May 8, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Citizens & Northern's price / book?: Citizens & Northern (CZNC) reported price / book of 1.2× in Q1 2026.
How has Citizens & Northern's price / book changed year-over-year?: Citizens & Northern's price / book increased by 8.0% year-over-year, from 1.1× to 1.2×.
What is the long-term trend for Citizens & Northern's price / book?: Over 5 years (2020 to 2025), Citizens & Northern's price / book has grown at a 0.0% compound annual growth rate (CAGR), from 1× to 1.1×.
What does price / book mean?: Market capitalization at the quarter end divided by shareholders' equity. The premium (or discount) the market assigns to the company's book equity.