CZNC (Citizens & Northern) Moat Score: 3/10 (As of Jul. 07, 2026)


CZNC Citizens & Northern Corp CZNC
56 GF Score
Price $23.24
GF Value $20.86
Valuation Modestly Overvalued
! 6 Warning Signs
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What is Citizens & Northern Moat Score?

Citizens & Northern CZNC -1.06% 56 Moat Score is 3 as of Jul. 07, 2026. GuruFocus rates CZNC with a GF Score™ of 56/100 and a GF Value™ of $20.86 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,611 Banks companies, Citizens & Northern ranks better than 74.55% on this metric.

Citizens & Northern has the Moat Score of 3, which implies that the company might have No Moat - Very weak/transient advantages.

Citizens & Northern has No Moat: Citizens & Northern Corp has very weak competitive advantages. It operates in a highly competitive banking sector with limited differentiation, lacking significant customer switching costs, brand strength, or regulatory barriers.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Citizens & Northern might have No Moat - Very weak/transient advantages.

Citizens & Northern  (NAS:CZNC) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Citizens & Northern Moat Score Related Terms

CZNC vs FMAO, NEWT, FRST: Moat Score Comparison

For the Banks - Regional subindustry, Citizens & Northern's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, Citizens & Northern's Moat Score distribution charts can be found below:

* The bar in red indicates where Citizens & Northern's Moat Score falls into.


CZNC
56GF Score
Citizens & Northern Corp CZNC
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 3 mean?
Citizens & Northern (CZNC) has a Moat Score of 3 as of Jul. 07, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Citizens & Northern ranks #410 out of 1611 companies in the Banks industry, placing it in the top 25.5%.
Is Citizens & Northern's Moat Score too high?
Citizens & Northern's current Moat Score is 3. Based on the distribution chart, Citizens & Northern ranks #410 out of 1611 companies in the Banks industry, which is above the industry midpoint. Overall, Citizens & Northern has a GF Score™ of 56/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Citizens & Northern's Moat Score compare to FMAO and NEWT?
According to the Banks industry distribution chart, Citizens & Northern ranks #410 out of 1611 companies for Moat Score. This puts Citizens & Northern in the upper half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Citizens & Northern's current Moat Score is 3. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Citizens & Northern stock overvalued right now?
Based on GuruFocus' analysis, Citizens & Northern (CZNC) is currently considered Modestly Overvalued. The stock's GF Value™ is $20.86, compared to a current price of $23.24 — trading 11.4% above its estimated fair value. The current Moat Score is 3. Citizens & Northern's overall GF Score™ is 56/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Citizens & Northern (CZNC), the current Moat Score is 3 as of Jul. 07, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Citizens & Northern (CZNC) Overvalued in 2026?

Based on GuruFocus' analysis, Citizens & Northern stock appears to be overvalued. The current stock price of $23.24 is trading 11.4% above its estimated GF Value™ of $20.86. GuruFocus considers Citizens & Northern to be Modestly Overvalued.

Key valuation signals for CZNC:

  • Moat Score: 3
  • GF Value™: $20.86 vs. price of $23.24 (11.4% 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

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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$23.24
Price
$20.86
GF Value