Citizens & Northern (Citizens & Northern) Margin of Safety % (DCF Earnings Based) : 1.77% (As of Apr. 29, 2024)

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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.

As of today (2024-04-29), Citizens & Northern's Predictability Rank is 1.5-Stars. Citizens & Northern's intrinsic value calculated from the Discounted Earnings model is $18.12 and current share price is $17.80. Consequently,

Citizens & Northern's Margin of Safety % (DCF Earnings Based) using Discounted Earnings model is 1.77%.

Competitive Comparison of Citizens & Northern's Margin of Safety % (DCF Earnings Based)

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's Margin of Safety % (DCF Earnings Based) Distribution in the 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.

Citizens & Northern Margin of Safety % (DCF Earnings Based) Calculation

Citizens & Northern's Margin of Safety % (DCF Earnings Based) for today is calculated as

Margin of Safety % (DCF Earnings Based)	=	(Intrinsic Value: DCF (Earnings Based)	-	Current Price)	/	Intrinsic Value: DCF (Earnings Based)
	=	(18.12	-	17.80)	/	18.12
	=	1.77 %

* 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.

The intrinsic value is calculated from the Discounted Earnings model with default parameters. The calculation method is the same as Discounted Cash Flow model except earnings are used in the calculation instead of free cash flow.

Citizens & Northern Margin of Safety % (DCF Earnings Based) Related Terms

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Citizens & Northern (Citizens & Northern) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » Citizens & Northern Corp (NAS:CZNC) » Definitions » Margin of Safety % (DCF Earnings Based)

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