CITIZENS & NORTHERN CORP (CZNC)
State Commercial Banks · Financial Services · $605M
Intrinsic Value (Consensus)
$23.72
Current Price
$33.80
Margin of Safety
-29.8%
29.8% Above Intrinsic Value
Value: $24
Price: $34
Valuation Model Estimates
Current Price: $33.80
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%.
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
Data last updated: 2026-06-12
Source: Yahoo Finance