CITIZENS & NORTHERN CORP (CZNC)
State Commercial Banks · Financial Services · $392M
Intrinsic Value (Consensus)
$23.72
Current Price
$21.87
Margin of Safety
+8.5%
8.5% Below Intrinsic Value
Value: $24
Price: $22
Valuation Model Estimates
Current Price: $21.87
DCF (Discounted Cash Flow)
$32.04
Graham Number
$26.94
Earnings Power Value
$16.41
Relative Value (P/E)
$33.80
Dividend Discount Model
$9.41
Consensus Value
$23.72
Model Assumptions
Discount Rate
10.3%
Growth Rate
7.6%
Terminal Growth
2.5%
Risk-Free Rate
4.3%
Discount rate derived from CAPM (risk-free rate + beta × market risk premium). Growth rate based on trailing earnings growth, capped at 20%.
Health Score
C
61
Profitability
15/25
Strength
24/25
Valuation
15/25
Growth
7/25
Financial Health Signals
Low debt — conservative balance sheet
Key Financials
- EPS (TTM)
- $1.69
- EPS (Forward)
- $1.82
- Book Value
- $19.08
- P/E Ratio
- 20.0
- Forward P/E
- 18.6
- PEG Ratio
- —
- ROE
- 6.9%
- Debt/Equity
- 11%
- Revenue Growth
- N/A
- Earnings Growth
- 7.6%
- Dividend Yield
- 0.7%
- Beta
- 1.00
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Data last updated: 2026-06-16
Source: Yahoo Finance