CZNC (Citizens & Northern) Margin of Safety % (DCF Dividends Based): N/A (As of Jul. 18, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

CZNC Citizens & Northern Corp CZNC
55 GF Score
Price $23.34
GF Value $20.72
Valuation Modestly Overvalued
! 6 Warning Signs
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What is Citizens & Northern Margin of Safety % (DCF Dividends Based)?

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

Note: Discounted Dividend model is only suitable for companies who have a consistant distribution history with more than 5 years. If the company's dividends does not remain steady over a long period, results may not be accurate due to the low consistency. The model is also only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, 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 Dividends Based) is not calculated.

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

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

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

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


CZNC
55GF Score
Citizens & Northern Corp CZNC
Margin of Safety % (DCF Dividends 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 $23.34 is trading 12.6% above its estimated GF Value™ of $20.72. GuruFocus considers Citizens & Northern to be Modestly Overvalued.

Key valuation signals for CZNC:

  • Margin of Safety % (DCF Dividends Based): N/A
  • GF Value™: $20.72 vs. price of $23.34 (12.6% above fair value)
  • GF Score™: 55/100 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.
55GF Score

Get the complete analysis for CZNC

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

$23.34
Price
$20.72
GF Value