What is the intrinsic value of CZNC?
As of 2025-09-17, the Intrinsic Value of Citizens & Northern Corp (CZNC) is
14.96 USD. This CZNC valuation is based on the model Peter Lynch Fair Value.
With the current market price of 20.07 USD, the upside of Citizens & Northern Corp is
-25.47%.
Is CZNC undervalued or overvalued?
Based on its market price of 20.07 USD and our intrinsic valuation, Citizens & Northern Corp (CZNC) is overvalued by 25.47%.
14.96 USD
Intrinsic Value
CZNC Intrinsic Value - Valuation Summary
|
Range |
Selected |
Upside |
| a |
| Fair Value |
14.96 - 14.96 |
14.96 |
-25.47% |
| P/E |
21.51 - 29.34 |
26.22 |
30.6% |
| DDM - Stable |
12.25 - 24.15 |
18.20 |
-9.3% |
| DDM - Multi |
22.71 - 34.33 |
27.30 |
36.0% |
CZNC Intrinsic Value - Key Valuation Metrics
| Market Cap (mil) |
311.29 |
| Beta |
0.71 |
| Outstanding shares (mil) |
15.51 |
| Enterprise Value (mil) |
351.64 |
| Market risk premium |
4.60% |
| Cost of Equity |
9.20% |
| Cost of Debt |
5.00% |
| WACC |
8.59% |