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Citizens & Northern Corp (CZNC) fair value: what the stock is really worth

As of Nov 6, 2026: fair value (intrinsic value) of Citizens & Northern Corp stock $13.46, price $27.92, that is 51.8% below the price, quality 39 out of 100. Rating: strongly overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.

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Financial Services US

CN Citizens & Northern Corp logo Broad data Nov 7, 2026

Citizens & Northern Corp

CZNC · US
Very expensive, weak quality

Our calculation puts a fair price 52% below what the stock costs today.

Highly profitable · 24.6% net margin (TTM)
4.0% dividend yield · Low payout
Broad data
Last quarter vs. a year ago: revenue +56%, profit +117%.
Mixed Growth (revenue 5y +9.0 %/yr in USD)
Moderate moat 63/100 · thin data
Insiders bought $46,654 (6M) · sold $76,742
Fair value $13.46 · Strongly overvalued
Quality 39/100
Trails peers (5/15)
⚠ Dilution
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$28.56 $14.36 Fair Value $13.46 Aug 2021 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 7, 2026.

How to read this chart

60‑month range $14.36 – $28.56 · fair‑value band $12.05 – $18.92 · the $27.92 price screens above the $13.46 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 7, 2026.

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Company profile

Citizens & Northern Corporation operates as the bank holding company for Citizens & Northern Bank that provides various banking and related services to individual and corporate customers.

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The company's deposit products include various types of checking accounts, passbook and statement savings, money market accounts, interest checking accounts, and individual retirement accounts, as well as certificates of deposit; debit cards; lending products, such as commercial, mortgage, and consumer loans; and commercial letters-of-credit and lines of credit.

It also offers wealth management services, including 401(k) plans, retirement planning, estate planning and settlements, and asset management; insurance products to individuals and businesses, and through a broker-dealer arrangement; and mutual funds, annuities, educational savings accounts, and other investment products through registered agents, as well as reinsures credit and mortgage life and accident and health insurance.

The company operates in Northcentral Pennsylvania, the Southern tier of New York State, Southeastern Pennsylvania, and Southcentral Pennsylvania. Citizens & Northern Corporation was founded in 1864 and is headquartered in Wellsboro, Pennsylvania.

Stock analysis

Citizens & Northern Corp (CZNC) currently trades at $27.92, while our model-based Fair Value estimate is $13.46, 52% below the price, so the stock looks overvalued today.

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Valuation

Bull case: the Multiples group reads highest at a median of $18.91 per share, and 0 of the 6 models we run sit above the $27.92 price.

Bear case: the Asset-Based group reads lowest at $9.97, and 6 of the 6 models stay below the price. Data coverage for this calculation is high.

Scenario range: $12.05 (bear) to $18.92 (bull), the price of $27.92 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 39/100 (below-average quality), in the Financial Services sector.

Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.

Citizens & Northern Corp reported revenue of $154M in FY2025 versus $109M in FY2021, a compound +9.1%/yr. Reported net income was $23.4M in FY2025, compounding −6.4%/yr from FY2021.

Key figures

Market cap $493M Small · P/E ratio 14.2 · P/S ratio 3.46 · EPS (TTM) $1.96 · Dividend yield 4.0% · Net margin 24.6% · Return on equity 11.0% · Return on assets (EBIT) 1.3% (5-year average).

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 63 out of 100 (low confidence).

What moves the price

The share trades about 2% below its 52-week high and 50% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −52%, CZNC screens richer than that median.

Fair Value models

Bear $12.05 Fair Value $13.46 Bull $18.92
Price $27.92 · Downside -51.8%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then ($0.7203 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Best data coverage
Residual Income $15.14 $15.84 $17.20 76
Gordon GGM $7.76 $15.08 $22.26 67
DDM Multi-Stage $7.76 $12.24 $15.97 67
All 6 models by family
Dividend Discount
Gordon GGM $7.76 $15.08 $22.26 67
DDM Multi-Stage $7.76 $12.24 $15.97 67
Multiples
P/E Multiple $12.74 $16.98 $21.23 63
P/B Multiple $15.62 $20.83 $26.04 55
Asset-Based
NCAV (Graham) $7.44 $9.97 $14.88 54
Economic Profit
Residual Income $15.14 $15.84 $17.20 76

The fair value above starts from this blend and is adjusted for dilution from new shares.

Open the full fair value analysis →

Quality Score breakdown

Overall quality 39/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 26
How much profit the company makes from its sales and capital
Quality Growth 34
Are margins and returns getting better?
Cashflow 78
Do the profits arrive as real cash?
Financial strength 5
Debt, balance sheet and risk of trouble
Investment 67
Does it invest with discipline instead of growing at any price?
Low Volatility 91
How calm the share price moves, does not count
Price momentum 71
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 91
Distance to the 52-week high, does not count
New shares 15
Buys back shares or issues new ones?

Open the full quality analysis →

Insider trades

In the last 6 months, 3 officers or directors bought shares worth $46,654, most recently on Oct 2, 2026. Over the same period, 2 people sold shares worth $76,742. Buying cluster

  • BuyFrank G PellegrinoDirector11× since Dec 5, 2025: 2,312 shares, avg. $22.77$52,640Oct 2, 202610b5-1 plan
  • BuyKatherine W ShattuckDirector11× since Dec 5, 2025: 158 shares, avg. $22.25$3,516Oct 2, 202610b5-1 plan
  • SaleChristian C TrateDirector2× since May 28, 2026: 789 shares, avg. $24.02$18,950Aug 3, 2026
  • SaleStephen M DorwartDirector2,278 shares at $25.37$57,793Jul 31, 2026
  • BuyTerry L LehmanDirector1,000 shares at $20.83$20,830May 13, 2026

Plus 38 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.

Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.

Source: SEC Form 4, as of Nov 6, 2026. All filings at the SEC ↗

Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 77/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
−0.8%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+10.1%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+9.0%
Start year 2020 (pandemic). Over 10 years: +9.6% a year
Revenue growth 31 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+6.2%
What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Basis: adjusted.
+0.9%
Earnings growth per share plus dividend.
Earnings per share, growth per year−3.1%
Dividend (yield on the price)4.0%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.0.1% vs 0.8%, steady
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.23% → 19%
Pace: the 5-year rate starts in 2020 (pandemic)

CZNC screens overvalued: fair value 52% below the price. Compare with China Merchants Bank Co →

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 996 stocks

Beats the industry median on 5/15 measures
Overall it trails its industry peers.
Valuation
Quality Score 39 · Bottom 25%
Fair Value upside −51.8% · Bottom 25%
Profitability
Return on equity (12 months) 11.0% · Above median
Return on assets 0.8% · Below median
Net margin (12 months) 24.6% · Below median
Operating margin (12 months) 47.8% · Above median
Growth and dividend
Revenue growth (quarter YoY) 55.9% · Top 25%
Dividend yield (12 months) 4.0% · Above median
Balance sheet
Debt / equity 0.47× · Above median

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (12 months) 14.2× · Pricier than median
P/B 1.44× · Pricier than median
P/S (12 months) 3.46× · Pricier than median
Price / free cash flow (fiscal year) 16.4× · Priciest 25%
EV/EBITDA 19.6× · Priciest 25%
PEG 1.21× · Cheaper than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)0 · sector 8
FUTURE (revenue growth)100 · sector 47
PAST (return on equity)44 · sector 43
HEALTH (low debt)–
DIVIDEND (yield)80 · sector 53

VALUE 0: the price sits above our fair-value range.

HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Postal Savings Bank of China Co 601658 ¥5.53 ¥7.59 +37% vs CZNC
China Merchants Bank Co 600036 ¥42.88 ¥52.73 +23% vs CZNC
BNP Paribas SA BNP €91.93 €106.01 +15% vs CZNC
Intesa Sanpaolo S.p.A ISP €6.18 €4.49 −27% vs CZNC
State Bank of India SBIN ₹1,019 ₹736.65 −28% vs CZNC
UniCredit S.p.A UCG €76.80 €50.44 −34% vs CZNC
Mizuho Financial Group MFG $9.40 $5.89 −37% vs CZNC
DBS Group D05 69.72 SGD 40.39 SGD −42% vs CZNC
HDFC Bank Limited HDFCBANK ₹788.25 ₹406.39 −48% vs CZNC
ICICI Bank Limited ICICIBANK ₹1,571 ₹615.63 −61% vs CZNC

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Cite: Fair Value Calculator (2026). "Citizens & Northern Corp Fair Value". https://www.fairvalue-calculator.com/stock/CZNC

Frequently asked questions

Is Citizens & Northern Corp (CZNC) overvalued or undervalued?
As of Nov 7, 2026, our model estimates a fair value of $13.46 versus a price of $27.92, about 52% lower (overvalued).
What is the fair value of CZNC?
Our model-based fair value for Citizens & Northern Corp is $13.46 (as of Nov 7, 2026), built from audited fundamentals. The current price: $27.92.
What is the quality score of CZNC?
Citizens & Northern Corp has a Quality Score of 39/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Citizens & Northern Corp (CZNC)?
Our model-based price target is the fair value of $13.46 (as of Nov 7, 2026) from 6 valuation models. Cautious scenario $12.05, optimistic scenario $18.92. It is a calculation from audited fundamentals, not an analyst target.
What is the Citizens & Northern Corp stock forecast for 2026?
Our models put fair value at $13.46, about 52% lower versus a price of $27.92 (overvalued). Cautious scenario $12.05, optimistic scenario $18.92. The calculation is refreshed regularly with new filings.
What is the revenue of Citizens & Northern Corp (CZNC)?
Citizens & Northern Corp reported trailing-twelve-month revenue of about $143M (latest available figure, as of Nov 7, 2026).
Does Citizens & Northern Corp pay a dividend?
Citizens & Northern Corp currently shows a dividend yield of 4.01% relative to its recent price (as of Nov 7, 2026).
How much is the dividend of Citizens & Northern Corp (CZNC) and when is the ex-dividend date?
Citizens & Northern Corp pays a dividend of $1.12 per share a year, a dividend yield of 4.0%. The last ex-dividend date was Aug 3, 2026. A dividend has been paid every year since at least 1994. The payout ratio is 57.1% of earnings. Our assessment: Low payout. A low payout ratio: the dividend takes at most 60 % of earnings. Whether free cash flow covers it as well, we cannot see for this company.
What is the intrinsic value of Citizens & Northern Corp (CZNC)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Citizens & Northern Corp it is $13.46 per share (as of Nov 7, 2026), against a price of $27.92. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is Citizens & Northern Corp stock overvalued or undervalued in 2026?
As of Nov 7, 2026, CZNC trades above its calculated fair value: price $27.92, fair value $13.46, a gap of about −52% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of CZNC?
No. The price is what the market pays today ($27.92); the fair value is what the company's own numbers justify ($13.46). For Citizens & Northern Corp the two are $14.46 per share apart. That gap is exactly why we show both numbers side by side.
How much is Citizens & Northern Corp worth?
The market values Citizens & Northern Corp at about $493M (market capitalisation, as of Nov 7, 2026). Per share that is $27.92; our models calculate a fair value of $13.46 per share.
What do the bullish and bearish scenarios say about CZNC?
Our models span a range for Citizens & Northern Corp: cautious scenario $12.05, base $13.46, optimistic $18.92 per share (as of Nov 7, 2026, price $27.92). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of CZNC?
Citizens & Northern Corp trades at a price-to-earnings ratio of 14.2 (as of Nov 7, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $13.46 is built from several models across several years. Median P/E at fiscal year-end, 10 fiscal years (2016 to 2025), reported earnings, FY2019, FY2020 ex one-offs: 13.9. Other multiples: PEG 1.2, P/B 1.4, P/S 3.5, EV/EBITDA 19.6.
What is the PEG ratio of CZNC?
The PEG ratio of Citizens & Northern Corp is 1.21 (P/E divided by earnings growth, as of Nov 7, 2026). That is above 1, so the growth is already paid for in the price.
How solid is the balance sheet of Citizens & Northern Corp (CZNC)?
Balance-sheet figures for Citizens & Northern Corp (as of Nov 7, 2026): return on equity 11.0%, debt of 0.47 per unit of equity. They feed the Quality Score of 39/100, which measures business quality independently of the share price.
How far is CZNC from its 52-week high?
Citizens & Northern Corp trades at $27.92, about 2% below its 52-week high of $28.56 and 50% above the low of $18.55 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $13.46 is for.
Which stocks are comparable to Citizens & Northern Corp?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Citizens & Northern Corp stock attractive at the current price?
The data as of Nov 7, 2026: price $27.92, calculated fair value $13.46 (−52%), Quality Score 39/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of CZNC calculated?
We run Citizens & Northern Corp through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $13.46 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. Citizens & Northern Corp itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Citizens & Northern Corp (CZNC)?
The closing price on Nov 6, 2026 was $27.92. Our model-based fair value is $13.46, about 52% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Citizens & Northern Corp right now?
The price sits above even our optimistic bull case ($18.92). The favourable scenario is already priced in. Weak quality (39/100) and above fair value at the same time, the margin of safety is missing on both counts. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of Citizens & Northern Corp (CZNC) come from?
Earnings per share at Citizens & Northern Corp grew +1.8 % a year from 2014 to 2025. Broken into its drivers: revenue per share +7.5 %, EBIT margin −6.1 %, tax rate +0.8 %, residual (interest, one-offs) +0.0 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.

Key figures of Citizens & Northern Corp

How large is the market capitalisation of Citizens & Northern Corp (CZNC)?
The market capitalisation of Citizens & Northern Corp is $493M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Citizens & Northern Corp (CZNC)?
The price-to-sales ratio of Citizens & Northern Corp is 3.46 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Citizens & Northern Corp (CZNC)?
Earnings per share at Citizens & Northern Corp are $1.96 (price ÷ EPS = P/E 14.2). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Citizens & Northern Corp (CZNC)?
The dividend yield of Citizens & Northern Corp is 4.0% (payout 57.1%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Citizens & Northern Corp (CZNC)?
The net margin of Citizens & Northern Corp is 24.6% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Citizens & Northern Corp (CZNC)?
The return on equity (ROE) of Citizens & Northern Corp is 11.0% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Citizens & Northern Corp (CZNC)?
On an EBIT basis the return on assets of Citizens & Northern Corp is 1.3% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Citizens & Northern Corp (CZNC)?
The operating margin of Citizens & Northern Corp is 47.8% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Citizens & Northern Corp (CZNC)?
Revenue at Citizens & Northern Corp is growing +55.9% versus a year earlier (3y avg +10.1%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Citizens & Northern Corp (CZNC)?
Earnings per share at Citizens & Northern Corp are growing +117% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Citizens & Northern Corp (CZNC) generate?
The free cash flow of Citizens & Northern Corp is $30.1M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Citizens & Northern Corp (CZNC) carry?
The net debt of Citizens & Northern Corp is $147M (fiscal year 2025, ≈ 4.9 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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