CZNC (C&N Bank) Market Value to Book Value Ratio

Risks for Citizens & Northern (CZNC) are linked to a regional downturn in New York and Pennsylvania, as well as rising funding costs, which fixes the metric at 1.48. This price chart illustrates the price action of this local lender. The business relies on a branch network across two states with an autonomous IT infrastructure; however, low pricing power forces the bank to reduce margins to retain depositors.

For Citizens & Northern (CZNC), this indicator compares the business's market value to its net assets, reflecting the effectiveness of its compliance outsourcing strategy and regulatory risk control. By analyzing changes in the market cap to book capitalization ratio, an investor determines the margin of safety: low values minimize the risk of losses, while a high premium signals a potential price correction relative to actual capital.