What is Citizens & Northern's PEG ratio?

Citizens & Northern (CZNC) reported PEG ratio of 0.5× in Q3 2025.

What does PEG ratio mean?

The P/E ratio divided by the trailing-twelve-month net-income growth rate (in percentage points). Adjusts the earnings multiple for the pace of earnings growth.

Citizens & Northern CZNC PEG ratio

PEG ratio at other companies

Citizens Financial Services, Inc.CZFS

0.2×0.0×

CNB FinancialCCNE

0.2×—

First Community CorporationFCCO

0.4×+0.1×

Capital City Bank GroupCCBG

2.1×+1.2×

West BancorporationWTBA

0.3×-0.4×

Greene County BancorpGCBC

0.3×-0.6×

Other financials

Income statement

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Revenue$36.6M+35.8%

Net income$273.0K-95.7%

EPS (diluted)$0.02-95.1%

Balance sheet

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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

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Operating cash flow$8.7M+447%

CapEx$188.0K-65.3%

Free cash flow$8.5M+713%

Valuation

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Market cap$402.23M+41.5%

Enterprise value$361.02M+112%

P/E23.1×+12.6×

P/S3×+0.4×

Profitability

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Net margin13.2%-11.4pp

FCF margin28.3%+3.5pp

Returns & leverage

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Return on equity5.6%-4.3pp

Debt / equity0×0.0×

Where this comes from

Calculated from Citizens & Northern’s reported figures.

market cap/net income=0.5×

Based on the most recent quarter.

The official record: Citizens & Northern’s 10-Q, filed November 7, 2025, on SEC EDGAR. View the filing →

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Questions, answered.

What is Citizens & Northern's PEG ratio?: Citizens & Northern (CZNC) reported PEG ratio of 0.5× in Q3 2025.
What does PEG ratio mean?: The P/E ratio divided by the trailing-twelve-month net-income growth rate (in percentage points). Adjusts the earnings multiple for the pace of earnings growth.