Basis: FMP quote price / unrounded FMP forward EPS in the trading currency, available after its recorded retrieval time. Source: stored company filings and market data; unavailable inputs remain N/A.
The forward PE ratio is 11.78 as of 2026-10-06T17:41:31.379Z.
Consensus retrieved: 2026-10-06T10:42:49.828Z. This records retrieval, including cache reads, rather than vendor publication. The calculation uses the separately dated price and estimate available at its as-of time.
Calculation as of: 2026-10-06T17:41:31.379Z.
Quote observation: 2026-10-06T17:39:34.000Z. Amounts in USD. The price header may show a later quote.
FMP input reference: 27324e49c7392f68963825a3a2cdddb07c8ab4fb61350de7f86bee1d1ae3c85a
Forward PE Ratio (11.78) = Dated Quote Price ($25.57) / Consensus Forward EPS ($2.17)
FORWARD PE RATIO
11.78
SECTOR MEDIAN · FINANCIAL SERVICES
11.18
median of 378 covered companies
CURRENT VS SECTOR MEDIAN
+5.41%
vs the sector median at left
Citizens & Northern Corporation
Market Cap
$458.13M
Forward PE Ratio
11.78
Market Cap
$471.39M
Forward PE Ratio
N/A
Market Cap
$473.69M
Forward PE Ratio
N/A
| NAME | MARKET CAP | FORWARD PE RATIO |
|---|---|---|
| Citizens & Northern Corporation (CZNC) | $458.13M | 11.78 |
| American Coastal Insurance Corporation (ACIC)vs › | $456.05M | 9.80 |
| First Bank (FRBA)vs › | $447.90M | 11.02 |
| Churchill Capital Corp. Xii (CXII)vs › | $447.77M | N/A |
| Cantor Equity Partners IV, Inc. Class A Ordinary Shares (CEPF)vs › | $471.39M | N/A |
| Pioneer Bancorp, Inc. (PBFS)vs › | $444.36M | N/A |
| Gores Holdings X, Inc. (GTEN)vs › | $472.59M | N/A |
| Bank of Marin Bancorp (BMRC)vs › | $443.11M | 12.00 |
| Crane Harbor Acquisition Corp. II Class A Ordinary Shares (CRAN)vs › | $473.69M | N/A |
| RBB Bancorp (RBB)vs › | $441.26M | 10.87 |
Trailing P/E
17.3
reported TTM EPS
Forward P/E
11.8
consensus EPS · fiscal year ending 2026-12-31
The gap between the two multiples is the consensus growth expectation: analysts' forward EPS of $2.17 implies +46.6% EPS growth vs the reported trailing $1.48.
At the dated quote price of $25.57, each upcoming fiscal year's consensus EPS implies a different multiple — how quickly the price is "paid down" by expected earnings if the estimates hold.
| Fiscal year end | Consensus EPS | Estimate range | Analysts | Implied P/E |
|---|---|---|---|---|
| 2026-12-31 | $2.17 | $2.17 – $2.17 | 1 | 11.8x |
| 2027-12-31 | $2.75 | $2.75 – $2.75 | 1 | 9.3x |
Source: FMP analyst consensus estimates, refreshed with the daily precompute. "n/m" = the consensus EPS is not positive, so a multiple is undefined. There is no forward P/E history chart here because charting one would require the estimates as they stood in the past, which we do not store — see the trailing P/E history for how the realized multiple has moved.
PE Ratio = Share Price / Diluted EPS (TTM)
The price-to-earnings ratio measures how much investors pay for each dollar of trailing earnings. A lower PE can indicate a cheaper valuation; a higher PE implies higher growth expectations.
Expanded definitions: Investopedia, Wikipedia, Corporate Finance Institute
