Citizens & Northern Corp
NASDAQ:CZNC
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Intrinsic Value
The intrinsic value of one CZNC stock under the Base Case scenario is 24.8 USD. Compared to the current market price of 20.72 USD, Citizens & Northern Corp is Undervalued by 16%.
The Intrinsic Value is calculated as the average of DCF and Relative values:
Valuation Backtest
Citizens & Northern Corp
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Fundamental Analysis
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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
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.
Dividends
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?
Ownership
CZNC Insider Trading
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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.
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The intrinsic value of one CZNC stock under the Base Case scenario is 24.8 USD.
Compared to the current market price of 20.72 USD, Citizens & Northern Corp is Undervalued by 16%.