CZNC (Citizens & Northern) Tariff Resilience Score: 8/10 (As of Jul. 14, 2026)

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CZNC Citizens & Northern Corp CZNC
56 GF Score
Price $23.04
GF Value $20.77
Valuation Modestly Overvalued
! 6 Warning Signs
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What is Citizens & Northern Tariff Resilience Score?

Citizens & Northern CZNC +0.72% 56 Tariff Resilience Score is 8 as of Jul. 14, 2026. GuruFocus rates CZNC with a GF Score™ of 56/100 and a GF Value™ of $20.77 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,609 Banks companies, Citizens & Northern ranks better than 78.74% on this metric.

Citizens & Northern has the Tariff Resilience Score of 8, which implies that the company might have Highly Resilient.

Citizens & Northern has Primarily a regional bank with minimal exposure to international trade. Its operations are largely domestic, reducing vulnerability to tariffs. Limited global supply chain dependencies.

Tariff Resilience Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more.

The company's exposure to international trade tariffs based on these criteria:

1. Global supply chain dependencies
2. Manufacturing locations versus sales markets
3. Import/export balance and percentage of revenue
4. Historical impact from previous tariff changes
5. Available mitigation strategies (alternative suppliers, pricing power)
6. Industry-specific tariff exemptions or vulnerabilities

Based on the research, GuruFocus believes Citizens & Northern might have Highly Resilient.

Citizens & Northern  (NAS:CZNC) Tariff Resilience Score Explanation

The Tariff Resilience Score ranges from 0 to 10, with 10 as the most resilient. GuruFocus divided Moat Score into following 3 categories:

Tariff Resilience Score Resilience Level
7 - 10Highly Resilient
4 - 6Average Resilient
0 - 3Highly Vulnerable

Citizens & Northern Tariff Resilience Score Related Terms

CZNC vs FMAO, NEWT, FRST: Tariff Resilience Score Comparison

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

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

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


CZNC
56GF Score
Citizens & Northern Corp CZNC
Tariff Resilience Score is just one metric. See GF Score™, valuation, warning signs, and more.
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What does a Tariff Resilience Score of 8 mean?
Citizens & Northern (CZNC) has a Tariff Resilience Score of 8 as of Jul. 14, 2026. Tariff Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more. According to the industry distribution chart, Citizens & Northern ranks #342 out of 1609 companies in the Banks industry, placing it in the top 21.3%.
Is Citizens & Northern's Tariff Resilience Score too high?
Citizens & Northern's current Tariff Resilience Score is 8. Based on the distribution chart, Citizens & Northern ranks #342 out of 1609 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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 Tariff Resilience Score compare to FMAO and NEWT?
According to the Banks industry distribution chart, Citizens & Northern ranks #342 out of 1609 companies for Tariff Resilience Score. This places Citizens & Northern in the top 21% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Tariff Resilience Score for a Banks company?
A good Tariff Resilience Score depends on the Banks industry context. However, Tariff Resilience 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 Tariff Resilience Score mean?
A high Tariff Resilience Score can signal that a stock is expensive relative to its fundamentals. Tariff Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more. Citizens & Northern's current Tariff Resilience Score is 8. 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 $20.77, compared to a current price of $23.04 — trading 10.9% above its estimated fair value. The current Tariff Resilience Score is 8. 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 Tariff Resilience Score calculated?
Tariff Resilience Score is calculated from a company's financial statements. For Citizens & Northern (CZNC), the current Tariff Resilience Score is 8 as of Jul. 14, 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 $23.04 is trading 10.9% above its estimated GF Value™ of $20.77. GuruFocus considers Citizens & Northern to be Modestly Overvalued.

Key valuation signals for CZNC:

  • Tariff Resilience Score: 8
  • GF Value™: $20.77 vs. price of $23.04 (10.9% 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

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

$23.04
Price
$20.77
GF Value