Snapshot · Russell 3000 · generated 2026-09-19 21:52 UTC

CZNC — Citizens & Northern Corporation

UNDERVALUED (MOS +79.2%) · Quality 71/100

CZNC - Citizens & Northern Corporation
Data generated 2026-09-19 21:52 UTC (nightly scan, universe: Russell 3000).
Price: 25.81 USD
Intrinsic value: 123.97 USD
Margin of safety: +79.2%
Implied growth (reverse DCF): -0.2% (model assumes +20.0%)
Valuation: UNDERVALUED
Value Score: 45.5
Quality: 71/100
Moat score: 0 (erosion: none)
UNDERVALUED (MOS +79.2%) - Quality 71/100
Source: StocksDeepDive - https://stocksdeepdive.com/s/CZNC
Factual information and general commentary only. StocksDeepDive publishes data, model outputs and described calculations from stated inputs. Nothing on this site takes your personal objectives, financial situation or needs into account, and nothing here is financial product advice or a recommendation to buy, hold or sell any security. Model outputs depend entirely on their stated inputs and assumptions. Consider seeking advice from a licensed adviser before acting. Data via Yahoo Finance, Google Trends, StockTwits and NewsAPI; figures may be delayed or revised.

Price

25.81

Intrinsic value

123.97

Margin of safety

+79.2%

Implied growth (reverse DCF)

-0.2%

model assumes +20.0%

Value Score

45.5

Quality

Psychology

-4.8

Discovery

price/volume attention only

Moat score

erosion: none

Value Score: top 20% of Russell 3000 · Quality: top 14%

Dividend: 1.12/share (TTM) · yield 4.3% · payout 76%

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Common questions

Is CZNC undervalued?

As of 2026-09-19, CZNC trades at 25.81 against a computed intrinsic value of 123.97 (+79.2% margin of safety) - StocksDeepDive's valuation label for this is UNDERVALUED. This is a described calculation from public data, not a recommendation.

What is Citizens & Northern Corporation's Value Score?

Citizens & Northern Corporation's Value Score is 45.5 as of 2026-09-19 - it combines value, quality, crowd psychology and market attention into one number.

Does CZNC pay a dividend?

Yes - CZNC's trailing twelve-month dividend is 1.12/share, a yield of 4.3% at the current price (as of 2026-09-19).