Snapshot · Russell 3000 · generated 2026-11-11 21:49 UTC

CZNC — Citizens & Northern Corporation

FAIR (MOS +3.9%) · Quality 73/100

Value Score 30 days ago: 47.8 → today 29.5

CZNC - Citizens & Northern Corporation
Data generated 2026-11-11 21:49 UTC (nightly scan, universe: Russell 3000).
Price: 28.15 USD
Intrinsic value: 29.28 USD
Margin of safety: +3.9%
Implied growth (reverse DCF): +7.3% (model assumes +12.7%)
Valuation: FAIR
Value Score: 29.5
Quality: 73/100
Moat score: 0 (erosion: none)
FAIR (MOS +3.9%) - Quality 73/100
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

28.15

Intrinsic value

29.28

Margin of safety

+3.9%

Implied growth (reverse DCF)

+7.3%

model assumes +12.7%

Value Score

29.5

Quality

Psychology

-14.5

Discovery

7.3

price/volume attention only

Moat score

erosion: none

Value Score: top 44% of Russell 3000 · Quality: top 10%

Dividend: 1.14/share (TTM) · yield 4.0% · payout 58%

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Common questions

Is CZNC undervalued?

As of 2026-11-11, CZNC trades at 28.15 against a computed intrinsic value of 29.28 (+3.9% margin of safety) - StocksDeepDive's valuation label for this is FAIR. 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 29.5 as of 2026-11-11 - 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 1.14/share, a yield of 4.0% at the current price (as of 2026-11-11).