CZNC
Citizens & Northern Corp
Price:  
18.27 
USD
Volume:  
25,181.00
United States | Banks
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CZNC Intrinsic Value

-18.04 %
Upside

What is the intrinsic value of CZNC?

As of 2025-06-19, the Intrinsic Value of Citizens & Northern Corp (CZNC) is 14.97 USD. This CZNC valuation is based on the model Peter Lynch Fair Value. With the current market price of 18.27 USD, the upside of Citizens & Northern Corp is -18.04%.

Is CZNC undervalued or overvalued?

Based on its market price of 18.27 USD and our intrinsic valuation, Citizens & Northern Corp (CZNC) is overvalued by 18.04%.

18.27 USD
Stock Price
14.97 USD
Intrinsic Value
Intrinsic Value Details

CZNC Intrinsic Value - Valuation Summary

Range Selected Upside
a
Fair Value 14.97 - 14.97 14.97 -18.04%
P/E 20.00 - 25.18 22.56 23.5%
DDM - Stable 13.18 - 25.94 19.56 7.1%
DDM - Multi 20.48 - 30.82 24.57 34.5%

CZNC Intrinsic Value - Key Valuation Metrics

Market Cap (mil) 283.00
Beta 0.74
Outstanding shares (mil) 15.49
Enterprise Value (mil) 323.35
Market risk premium 4.60%
Cost of Equity 8.64%
Cost of Debt 5.00%
WACC 8.05%