What is the intrinsic value of CZNC?
As of 2025-10-19, 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 19.23 USD, the upside of Citizens & Northern Corp is
-22.22%.
Is CZNC undervalued or overvalued?
Based on its market price of 19.23 USD and our intrinsic valuation, Citizens & Northern Corp (CZNC) is overvalued by 22.22%.
14.96 USD
Intrinsic Value
CZNC Intrinsic Value - Valuation Summary
|
Range |
Selected |
Upside |
| a |
| Fair Value |
14.96 - 14.96 |
14.96 |
-22.22% |
| P/E |
20.82 - 27.36 |
24.92 |
29.6% |
| DDM - Stable |
12.98 - 31.58 |
22.28 |
15.9% |
| DDM - Multi |
20.63 - 37.11 |
26.35 |
37.0% |
CZNC Intrinsic Value - Key Valuation Metrics
| Market Cap (mil) |
298.26 |
| Beta |
0.64 |
| Outstanding shares (mil) |
15.51 |
| Enterprise Value (mil) |
338.61 |
| Market risk premium |
4.60% |
| Cost of Equity |
9.16% |
| Cost of Debt |
5.00% |
| WACC |
8.53% |