Citizens & Northern (Citizens & Northern) Intrinsic Value: Projected FCF : $31.37 (As of Apr. 29, 2024)

View and export this data going back to 1994. Start your Free Trial

What is Citizens & Northern Intrinsic Value: Projected FCF?

Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company. The details of how we calculate the intrinsic value of stocks are described in detail here.

As of today (2024-04-29), Citizens & Northern's Intrinsic Value: Projected FCF is $31.37. The stock price of Citizens & Northern is $17.89. Therefore, Citizens & Northern's Price-to-Intrinsic-Value-Projected-FCF of today is 0.6.

The historical rank and industry rank for Citizens & Northern's Intrinsic Value: Projected FCF or its related term are showing as below:

CZNC' s Price-to-Projected-FCF Range Over the Past 10 Years
Min: 0.57 Med: 0.78 Max: 1.01
Current: 0.57

During the past 13 years, the highest Price-to-Intrinsic-Value-Projected-FCF of Citizens & Northern was 1.01. The lowest was 0.57. And the median was 0.78.

CZNC's Price-to-Projected-FCF is ranked worse than
67.3% of 1217 companies
in the Banks industry
Industry Median: 0.43 vs CZNC: 0.57

Citizens & Northern Intrinsic Value: Projected FCF Historical Data

The historical data trend for Citizens & Northern's Intrinsic Value: Projected FCF can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

Citizens & Northern Intrinsic Value: Projected FCF Chart

Citizens & Northern Annual Data

Trend

Dec14

Dec15

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Intrinsic Value: Projected FCF

Get a 7-Day Free Trial

28.00

28.13

30.78

30.39

31.37

Citizens & Northern Quarterly Data
	Mar19	Jun19	Sep19	Dec19	Mar20	Jun20	Sep20	Dec20	Mar21	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23
Intrinsic Value: Projected FCF	Get a 7-Day Free Trial															30.39	30.84	30.91	30.76	31.37

Competitive Comparison of Citizens & Northern's Intrinsic Value: Projected FCF

For the Banks - Regional subindustry, Citizens & Northern's Price-to-Projected-FCF, along with its competitors' market caps and Price-to-Projected-FCF data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Citizens & Northern's Price-to-Projected-FCF Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Citizens & Northern's Price-to-Projected-FCF distribution charts can be found below:

* The bar in red indicates where Citizens & Northern's Price-to-Projected-FCF falls into.

Citizens & Northern Intrinsic Value: Projected FCF Calculation

Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company.

The details of how we calculate the intrinsic value of stocks are described in detail here.

This method smooths out the free cash flow over the past 6-7 years, multiplies the results by a growth multiple, and adds a portion of Total Stockholders Equity.

Intrinsic Value: Projected FCF = ( Growth Multiple * Free Cash Flow (6 year avg) + 0.8 * Total Stockholders Equity (most recent) ) / Shares Outstanding (Diluted Average)

In the case of negative Total Stockholders Equity, the following formula is used (see Explanation section below for the reason):

Intrinsic Value: Projected FCF = ( Growth Multiple * Free Cash Flow (6 year avg) + Total Stockholders Equity (most recent) / 0.8 ) / Shares Outstanding (Diluted Average)

Add all the Free Cash Flow together and divide 6 will get Citizens & Northern's Free Cash Flow(6 year avg) = $26.46.

Citizens & Northern's Intrinsic Value: Projected FCF for today is calculated as

Intrinsic Value: Projected FCF	=	(Growth Multiple	*	Free Cash Flow (6 year avg)	+	Total Stockholders Equity (Dec23)	*	0.8)	/	Shares Outstanding (Diluted Average)
	=	(10.056836766857	*	26.46288	+	262.381	*	0.8)	/	15.174
	=	31.37

Citizens & Northern (NAS:CZNC) Intrinsic Value: Projected FCF Explanation

The growth multiple is capped between 8.35 and 17.74.

Total Stockholders Equity weighting is more art than science and it should always be revisited in more detail when researching a company. Weightings from 0% to 100% to more than 100% are possible. 80% was chosen as a happy median after taking the above ideas into consideration.

Citizens & Northern's Price-to-Intrinsic-Value-Projected-FCF for today is calculated as

Price-to-Intrinsic-Value-Projected-FCF	=	Share Price	/	Intrinsic Value: Projected FCF
	=	17.89	/	31.371929915705
	=	0.57

Citizens & Northern Intrinsic Value: Projected FCF Related Terms

Thank you for viewing the detailed overview of Citizens & Northern's Intrinsic Value: Projected FCF provided by GuruFocus.com. Please click on the following links to see related term pages.

Citizens & Northern (Citizens & Northern) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » Citizens & Northern Corp (NAS:CZNC) » Definitions » Intrinsic Value: Projected FCF

Comparable Companies

Traded in Other Exchanges

N/A

Address

90-92 Main Street, Wellsboro, PA, USA, 16901

Website

https://www.cnbankpa.com

Citizens & Northern Corp is a community bank operating through its subsidiaries. It provides banking services, including deposit and loan products for personal and commercial customers. The bank also maintains a trust division that provides a wide range of financial services, such as 401(k) plans, retirement planning, estate planning, estate settlements and asset management.

Executives

Frank G Pellegrino	director	2050 POCO FARM ROAD, WILLIAMSPORT PA 17701
Robert G Loughery	director	1128 SLOTTER ROAD, PERKASIE PA 18944
Katherine W Shattuck	director	2548 LAKE ROAD, TOWANDA PA 18848
Tracy Ellen Watkins	officer: EXEC. VP	1972 NORTH WILLIAMSON ROAD, COVINGTON PA 16917-9516
Bobbi J Kilmer	director	555 COUNTRY VIEW DRIVE, TOWANDA PA 18848
Glenn Richard James	officer: EVP Counsel, Corp Secretary	90-92 MAIN ST, WELLSBORO PA 16901
Timothy E Schoener	director	821 HAWTHORNE AVE, WILLIAMSPORT PA 17701
Kelley A Cwiklinski	officer: EVP Chief Comm Lending Officer	90-92 MAIN ST, WELLSBORO PA 16901
Leo F Lambert	director	PO BOX 345, DUSHORE PA 18614
Helen S Santiago	director	263 BRIDGE STREET HILL RD, TOWANDA PA 18848
Terry L Lehman	director	5066 NORTH SHERMAN STREET, MOUNT WOLF PA 17347
Matthew L Bower	officer: EVP, Chief Wealth Mgmt Officer	90-92 MAIN ST, WELLSBORO PA 16901
Susan E Hartley	director	1293 HOFFMAN HOLLOW RD, LOWMAN NY 14861
Stephen M Dorwart	director	234 CEDAR ROAD, MULLICA HILL NJ 08062
Alexander Balagour	officer: EVP- CHIEF INFORMATION OFFICER	45 TEAL DRIVE, LANGHORNE PA 19047