CZNC (Citizens & Northern) Margin of Safety % (DCF Earnings Based): N/A (As of Jul. 05, 2026)


CZNC Citizens & Northern Corp CZNC
56 GF Score
Price $23.61
GF Value $20.89
Valuation Modestly Overvalued
! 6 Warning Signs
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What is Citizens & Northern Margin of Safety % (DCF Earnings Based)?

Margin of Safety % (DCF Earnings Based) = (Intrinsic Value: DCF (Earnings Based) - Current Price) / Intrinsic Value: DCF (Earnings Based).

Note: Discounted Earnings model is only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, result may not be accurate due to the low predictability of business and the data will not be stored into our database.

Citizens & Northern's Predictability Rank is 1-Star. Thus, the DCF related results in the screener and portfolio will appear as zero and Margin of Safety % (DCF Earnings Based) is not calculated.

CZNC vs FMAO, NEWT, FRST: Margin of Safety % (DCF Earnings Based) Comparison

For the Banks - Regional subindustry, Citizens & Northern's Margin of Safety % (DCF Earnings Based), along with its competitors' market caps and Margin of Safety % (DCF Earnings Based) 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 Margin of Safety % (DCF Earnings Based) vs Banks Industry

For the Banks industry and Financial Services sector, Citizens & Northern's Margin of Safety % (DCF Earnings Based) distribution charts can be found below:

* The bar in red indicates where Citizens & Northern's Margin of Safety % (DCF Earnings Based) falls into.


CZNC
56GF Score
Citizens & Northern Corp CZNC
Margin of Safety % (DCF Earnings Based) is just one metric. See GF Score™, valuation, warning signs, and more.
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Is Citizens & Northern (CZNC) Overvalued in 2026?

Based on GuruFocus' analysis, Citizens & Northern stock appears to be overvalued. The current stock price of $23.61 is trading 13% above its estimated GF Value™ of $20.89. GuruFocus considers Citizens & Northern to be Modestly Overvalued.

Key valuation signals for CZNC:

  • Margin of Safety % (DCF Earnings Based): N/A
  • GF Value™: $20.89 vs. price of $23.61 (13% above fair value)
  • GF Score™: 56/100 with 6 warning signs

No single metric tells the full story. See the CZNC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Citizens & Northern Business Description

Address 90-92 Main Street, Wellsboro, PA, USA, 16901
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.
56GF Score

Get the complete analysis for CZNC

Margin of Safety % (DCF Earnings Based) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$23.61
Price
$20.89
GF Value