Citizens & Northern Corp
NASDAQ:CZNC

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Citizens & Northern Corp
NASDAQ:CZNC
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Price: 20.85 USD 1.61% Market Closed
Market Cap: 320.9m USD
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Intrinsic Value

The intrinsic value of one CZNC stock under the Base Case scenario is 24.92 USD. Compared to the current market price of 20.85 USD, Citizens & Northern Corp is Undervalued by 16%.

The Intrinsic Value is calculated as the average of DCF and Relative values:

CZNC Intrinsic Value
24.92 USD
Undervaluation 16%
Intrinsic Value
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Base Case
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Citizens & Northern Corp

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Backtest Conclusion
Very Attractive
Current Valuation
+45%
Avg Valuation
-12%
Worst Valuation
-49%
Best Valuation
+45%

Stock is trading at its lowest valuation over the past 5 years.

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Fundamental Analysis

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Financials
Annual
Quarterly
TTM
Annual
Quarterly
TTM

Balance Sheet Decomposition
Citizens & Northern Corp

Net Loans 1.9B
Investments 506.6m
PP&E 22m
Intangibles 54.8m
Other Assets 137m
Total Deposits 2.1B
Short Term Debt 1.9m
Long Term Debt 39.6m
Other Liabilities 229.1m

Wall St
Price Targets

CZNC Price Targets Summary
Citizens & Northern Corp

Wall Street analysts forecast CZNC stock price to rise over the next 12 months.

According to Wall Street analysts, the average 1-year price target for CZNC is 21.42 USD with a low forecast of 21.21 USD and a high forecast of 22.05 USD.

Lowest
Price Target
21.21 USD
2% Upside
Average
Price Target
21.42 USD
3% Upside
Highest
Price Target
22.05 USD
6% Upside
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Dividends

Dividend Yield
Lowest
Average
Highest
Dividend Per Share
N/A
Growth 3Y
Growth 5Y
Growth 10Y
Dividend Safety Score
Very
Unsafe
Unsafe
Safe
Very
Safe
0
25
50
75
100
Shareholder Yield

Current shareholder yield for CZNC is .

Shareholder yield represents the total return a company provides to its shareholders, calculated as the sum of dividend yield, buyback yield, and debt paydown yield. What is shareholder yield?

Shareholder Yield
Dividend Yield
Lowest
Average
Highest
Buyback Yield
Lowest
Average
Highest

Ownership

CZNC Insider Trading
Buy and sell transactions by insiders

Cumulative Transactions Amount
Period Sold Bought Net
3 Months
6 Months
9 Months
12 Months
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Profile

Citizens & Northern Corp Logo
Citizens & Northern Corp

Country

United States of America

Industry

Banking

Market Cap

320.6m USD

Dividend Yield

5.37%

Description

Citizens & Northern Corp. operates as a holding company. The company is headquartered in Wellsboro, Pennsylvania and currently employs 258 full-time employees. The firm's principal activity is community banking. The company provides banking and related services to individual and corporate customers. Its lending products include commercial, mortgage, and consumer loans, as well as specialized instruments such as commercial letters of credit. Its deposit products include various types of checking accounts, passbook and statement savings, money market accounts, interest checking accounts, Individual Retirement Accounts and certificates of deposit. The firm provides wealth management services through its trust department, including administration of trusts and estates, retirement plans, and other employee benefit plans and investment management services. The company offers personal and commercial insurance products through its subsidiary C&N Financial Services Corporation. C&N Financial Services Corporation also offers mutual funds, annuities, educational savings accounts and other investment products.

Contact

PENNSYLVANIA
Wellsboro
90 Main St # 92
+18778382517.0
www.cnbankpa.com

IPO

1993-10-27

Employees

258

Officers

President, CEO & Director
Mr. J. Bradley Scovill
EVP and Chief Credit Officer of Citizens & Northern Bank
Mr. Stan R. Dunsmore
EVP and Southeast Region President of Citizens & Northern Bank
Mr. Blair T. Rush
Treasurer
Mr. Mark A. Hughes
EVP, Chief Delivery Officer and Region President of Citizens & Northern Bank
Mr. Thomas L. Rudy Jr.
Executive VP & Chief Commercial Lending Officer
Ms. Kelley A. Cwiklinski
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Senior VP & Chief Investment Strategist
Mr. Philip Prough CFP, CIMA
Executive VP and Chief Digital Channels & Payments Officer
Ms. Shelley L. D'Haene
Senior Vice President & Regional Commercial Lending Executive
Mr. Ryan Satalin
Corporate Secretary
Mr. Glenn Richard James Esq.
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See Also

Discover More
What is the Intrinsic Value of one CZNC stock?

The intrinsic value of one CZNC stock under the Base Case scenario is 24.92 USD.

Is CZNC stock undervalued or overvalued?

Compared to the current market price of 20.85 USD, Citizens & Northern Corp is Undervalued by 16%.

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