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Citizens & Northern Corporation (CZNC) Fair Value & Analysis

Financial Services · US · Market cap $389M

Price$22.45
Fair Value$17.00
Upside-24.3%
Quality95/100
Evidence: High Range $12.75 – $21.25

Fair value as of: Jun 26, 2026

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Analysis

Citizens & Northern Corporation (CZNC) currently trades at $22.45, while our model-based Fair Value estimate is $17.00 — implying the stock looks roughly 24.3% overvalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: high).

About the company

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. 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 o…

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Frequently asked questions

Is Citizens & Northern Corporation (CZNC) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $17.00 versus a price of $22.45 — about −24% (overvalued). Model-based estimate, not financial advice.
What is the fair value of CZNC?
Our 21-model fair value for Citizens & Northern Corporation is $17.00 (as of Jun 26, 2026), built from audited fundamentals. The current price is $22.45.
What is the quality score of CZNC?
Citizens & Northern Corporation has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.