US · CZNC
Citizens & Northern Corporation
- Sector
- Financial Services · Banks - Regional
- Headquarters
- Wellsboro, PA 16901
- Website
- cnbankpa.com
Price · as of 2025-12-31
$22.48
Market cap 344.77M
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $72.84 | +224.02% |
| Intrinsic Value(DCF) | $17.73 | -21.13% |
| Graham-Dodd Method(GD) | $24.80 | +10.32% |
| Graham Formula(GF) | $10.82 | -51.88% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | $9.68 | $27.30 | $18.12 | $14.71 | $16.72 |
| 2012 | $10.22 | $43.46 | $37.94 | $12.13 | $8.70 |
| 2013 | $10.96 | $25.56 | $33.43 | $7.83 | $0.00 |
| 2014 | $11.41 | $39.83 | $34.50 | $7.34 | $2.24 |
| 2015 | $12.23 | $26.97 | $35.52 | $7.34 | $11.54 |
| 2016 | $14.92 | $29.72 | $35.38 | $7.16 | $6.14 |
| 2017 | $15.95 | $27.60 | $36.70 | $6.31 | $11.35 |
| 2018 | $18.28 | $34.14 | $42.52 | $9.76 | $39.08 |
| 2019 | $15.54 | $28.26 | $27.98 | $7.74 | $38.86 |
| 2020 | $19.09 | $40.33 | $70.02 | $8.57 | $36.79 |
| 2021 | $19.95 | $41.95 | $40.00 | $10.28 | $31.33 |
| 2022 | $17.86 | $31.78 | $31.79 | $5.95 | $23.89 |
| 2023 | $15.75 | $37.25 | $18.70 | $6.37 | $40.16 |
| 2024 | $19.31 | $41.67 | $17.84 | $7.84 | $36.93 |
| 2025 | $22.93 | $72.84 | $13.94 | $24.80 | $10.82 |
AI valuation
Our deep-learning model estimates Citizens & Northern Corporation's (CZNC) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $72.84
- Current price
- $22.48
- AI upside
- +224.02%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$17.73
-21.13% upside
Graham-Dodd
$24.80
+10.32% upside
Graham Formula
$10.82
-51.88% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| CZNC | Citizens & Northern Corpo… | $22.48 | 344.77M | +224% | -21% | +10% | -52% | 15.61 | 1.07 | 2.37 | 0.02 | — | 1.37 | 65.34% | 18.58% | 15.19% | 7.59% | 42.26% | 0.82% | 0.55 | 0.60 | — | — | 5.01 | -1361.00% | -82.00% | -10000.00% | 0.00% | — | 0.00% | 0.00% | 0.00% | 0.00% | 0.02 | — | 0.00 | 0.18 |
| BCML | BayCom Corp | $29.40 | 320.39M | +75% | -14% | +7% | -17% | 12.10 | 0.88 | 2.08 | 9.81 | — | 1.01 | 69.62% | 23.33% | 17.15% | 7.41% | 6.21% | 0.91% | 0.27 | 0.79 | 0.03 | 0.02 | 1.79 | -749.00% | 361.00% | -8.00% | 10.03% | 0.01 | 7.54% | 1.18% | 14.30% | 6.05% | 10.81 | 12.11 | 2.52 | -0.73 |
| CBAN | Colony Bankcorp, Inc. | $19.83 | 352.78M | +58% | -22% | -34% | +21% | 11.69 | 1.00 | 1.58 | 12.26 | 120.77 | 1.23 | 63.64% | 16.74% | 13.51% | 8.95% | 9.14% | 0.77% | 0.89 | 0.48 | 0.03 | 0.03 | 5.89 | 968.00% | 1001.00% | 2854.00% | 8.00% | 0.01 | 8.54% | 2.83% | 33.10% | 3.30% | 15.63 | 20.70 | 2.62 | -0.76 |
| CZFS | Citizens Financial Servic… | $60.06 | 288.67M | +306% | -13% | +51% | +37% | 7.96 | 0.86 | 1.68 | 2.70 | 25.20 | 1.16 | 63.32% | 26.03% | 21.11% | 11.47% | 10.87% | 1.20% | 0.92 | 0.74 | 0.94 | 0.94 | 6.10 | 3161.00% | 275.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 2.70 | — | 0.70 | 0.25 |
| FNLC | The First Bancorp, Inc. | $27.65 | 310.21M | +24% | -14% | -61% | +101% | 9.85 | 1.05 | 1.61 | 2.53 | — | 1.20 | 48.20% | 19.70% | 16.35% | 10.91% | 77.71% | 0.89% | 0.58 | 0.38 | 0.12 | 0.12 | 2.77 | -865.00% | 1519.00% | -2833.00% | 9.23% | 0.01 | 70.61% | 5.93% | 58.40% | 6.01% | 2.71 | 3.59 | 0.53 | -0.69 |
| FSBW | FS Bancorp, Inc. | $39.51 | 297.05M | +43% | -11% | +13% | +104% | 8.07 | 0.96 | 1.39 | 8.38 | — | 1.05 | 66.99% | 20.41% | 17.19% | 12.50% | 12.07% | 1.17% | 1.20 | 0.67 | 0.09 | 0.09 | 6.17 | -439.00% | 996.00% | -3528.00% | 17.41% | 0.02 | 16.95% | 2.92% | 23.60% | 3.95% | 10.50 | 8.88 | 2.14 | -0.55 |
| ISBA | Isabella Bank Corporation | $47.56 | 348.86M | +241% | -10% | -21% | -4% | 18.94 | 1.55 | 3.20 | -0.90 | 50.34 | 1.96 | 70.60% | 19.76% | 16.88% | 8.56% | -45.32% | 0.88% | 0.62 | 0.66 | 0.43 | 0.43 | 5.40 | 3763.00% | 1011.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | -0.90 | — | -0.18 | -0.10 |
| JMSB | John Marshall Bancorp, In… | $19.20 | 272.73M | +102% | -12% | +2% | +137% | 14.21 | 0.99 | 2.16 | 7.90 | 6.09 | 0.99 | 47.76% | 19.46% | 15.23% | 7.19% | 18.06% | 0.76% | 0.35 | 0.37 | 0.08 | 0.08 | -1.54 | 23333.00% | 3096.00% | -354.00% | 6.90% | 0.01 | 17.70% | 1.46% | 20.80% | 1.49% | 8.51 | 11.10 | 1.66 | -0.68 |
| PCB | PCB Bancorp | $22.36 | 318.87M | +325% | +123% | +82% | +97% | 8.50 | 0.82 | 1.52 | 3.91 | 17.61 | 0.83 | 53.34% | 25.07% | 17.89% | 9.94% | 22.77% | 1.18% | 0.18 | 0.56 | 0.16 | 0.16 | 0.89 | 4828.00% | 910.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 3.91 | — | 0.98 | -0.11 |
| PLBC | Plumas Bancorp | $50.30 | 349.86M | -16% | +755% | -26% | — | 8.83 | 1.42 | 3.47 | -5.07 | — | 1.47 | 83.76% | 53.53% | 39.28% | 17.60% | -9.68% | 1.77% | 0.35 | 3.67 | 0.37 | 0.37 | -0.50 | -438.00% | -1417.00% | -1727.00% | 11.81% | 0.02 | -10.09% | 2.52% | 22.20% | 22.54% | -5.26 | -6.88 | -2.82 | -0.27 |
| WSBF | Waterstone Financial, Inc… | $17.81 | 328.72M | +578% | -43% | +52% | -23% | 12.20 | 0.92 | 1.60 | 13.16 | 26.22 | 0.92 | 71.24% | 16.59% | 13.10% | 7.67% | 4.97% | 1.18% | 1.18 | 0.56 | 11.12 | 1.68 | 10.43 | 4653.00% | 112.00% | -9642.00% | 0.52% | 0.01 | 0.32% | 0.00% | 0.00% | 19.36% | 13.16 | 261.43 | 2.18 | 1.36 |
About Citizens & Northern Corporation
Citizens & Northern Corporation operates as the bank holding company for Citizens & Northern Bank that provides a range of banking and mortgage services to individual and corporate customers. The company offers lending products include commercial, mortgage, and consumer loans, as well as specialized instruments, such as commercial letters-of-credit; and deposit products, including various types of checking accounts, passbook and statement savings accounts, money market accounts, interest checking accounts, individual retirement accounts, and certificates of deposits. It also offers wealth management services, including administration of trusts and estates, retirement plans, and other employee benefit plans, and investment management services; and a range of personal and commercial insurance products; mutual funds, annuities, educational savings accounts, and other investment products through registered agents. In addition, the company reinsures credit and mortgage, life and accident, and health insurance products. As of December 31, 2021, it had 31 branch offices, including 23 in the Northern tier/Northcentral region of Pennsylvania, 2 in the Southern tier of New York State, 4 in Southeastern Pennsylvania, and 2 in Southcentral Pennsylvania, as well as a lending office in Elmira, New York. The company was founded in 1864 and is based in Wellsboro, Pennsylvania.
- CEO
- J. Bradley Scovill
- Employees
- 386
- Beta
- 0.53
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($17.73 ÷ $22.48) − 1 = -21.13% (DCF, example).