CITIZENS & NORTHERN CORP (CZNC)

State Commercial Banks

Latest Price

$25.97

TTM P/E

17.79

Normalized P/E

15.89

Div Yield

3.23%

Book Value

19.50

P/B Ratio

1.33

Valuation metrics

EPS: $1.69

Target P/E: 16×

Formula: EPS × P/E

P/E Fair Value

$27.04

+3% upside

33.5% held by institutions

Institution	Shares	Value	Ownership %	Change	Filing Date
BlackRock, Inc.	1.36M	$31.0M	7.58%	+171.4K	2026-06-30
VANGUARD CAPITAL MANAGEMENT LLC	761.7K	$17.0M	4.25%	+36.5K	2026-06-30
DIMENSIONAL FUND ADVISORS LP	637.1K	$14.0M	3.55%	+16.8K	2026-06-30
GEODE CAPITAL MANAGEMENT, LLC	451.4K	$10.0M	2.52%	+30.9K	2026-06-30
CITIZENS & NORTHERN CORP	349.5K	$8.0M	1.95%	-10.4K	2026-06-30
STATE STREET CORP	337.9K	$7.0M	1.88%	+2.6K	2026-06-30
NORTHERN TRUST CORP	150.0K	$3.0M	0.84%	+12.0K	2026-06-30
VANGUARD PORTFOLIO MANAGEMENT LLC	146.0K	$3.0M	0.81%	+47.1K	2026-06-30
Bank of New York Mellon Corp	122.7K	$2.0M	0.68%	+7.9K	2026-06-30
VANGUARD FIDUCIARY TRUST CO	120.6K	$2.0M	0.67%	+1.4K	2026-06-30