What is the intrinsic value of CZNC?
As of 2025-12-18, the Intrinsic Value of Citizens & Northern Corp (CZNC) is
13.12 USD. This CZNC valuation is based on the model Peter Lynch Fair Value.
With the current market price of 21.85 USD, the upside of Citizens & Northern Corp is
-39.94%.
Is CZNC undervalued or overvalued?
Based on its market price of 21.85 USD and our intrinsic valuation, Citizens & Northern Corp (CZNC) is overvalued by 39.94%.
13.12 USD
Intrinsic Value
CZNC Intrinsic Value - Valuation Summary
|
Range |
Selected |
Upside |
| a |
| Fair Value |
13.12 - 13.12 |
13.12 |
-39.94% |
| P/E |
19.36 - 27.27 |
23.08 |
5.6% |
| DDM - Stable |
11.61 - 23.29 |
17.45 |
-20.1% |
| DDM - Multi |
20.37 - 31.25 |
24.62 |
12.7% |
CZNC Intrinsic Value - Key Valuation Metrics
| Market Cap (mil) |
388.93 |
| Beta |
0.50 |
| Outstanding shares (mil) |
17.80 |
| Enterprise Value (mil) |
430.29 |
| Market risk premium |
4.60% |
| Cost of Equity |
8.54% |
| Cost of Debt |
5.00% |
| WACC |
8.10% |