CZNC (Citizens & Northern) Altman Z2-Score

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
60 GF Score
Price $25.58
GF Value $21.66
Valuation Modestly Overvalued
! 6 Warning Signs
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What is Citizens & Northern Altman Z2-Score?

Altman Z2-Score, also known as Z"-Score, is used to predict the likelihood that a non-manufacturing company (excluding property/financial company) will face bankruptcy within a two-year period.

Altman Z2-Score does not apply to banks and insurance companies.

CZNC
60GF Score
Citizens & Northern Corp CZNC
Altman Z2-Score 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 $25.58 is trading 18.1% above its estimated GF Value™ of $21.66. GuruFocus considers Citizens & Northern to be Modestly Overvalued.

Key valuation signals for CZNC:

  • Altman Z2-Score:
  • GF Value™: $21.66 vs. price of $25.58 (18.1% above fair value)
  • GF Score™: 60/100 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.
60GF Score

Get the complete analysis for CZNC

Altman Z2-Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$25.58
Price
$21.66
GF Value