Citizens & Northern CorporationStock Price and Value Analysis

Should you buy Citizens & Northern Corporation stock? (NasdaqCM:CZNC). Let's see how it does in our automated value investing analysis system.

AdvantagesDisadvantagesNeutral
  • This company has a large dividend yield!
  • This company is solid.
  • This company has wild ups and downs.
  • This company is making money at a modest rate.
  • This stock looks fairly priced.

CZNC Free Cash Flow Trend

Based on historical returns, we believe that Citizens & Northern Corporation can grow its free cash at a rate of about 1%. That's positive!

Free Cash Flow trendline for CZNC
Free Cash Flow trendline for Citizens & Northern Corporation

Inside the CZNC Numbers

CZNC Price
(Citizens & Northern Corporation stock price per share)
$24.77
[?] CZNC Fair Price
(based on intrinsic value)
$24.63
[?] CZNC Safety Price (based on a variable margin of safety) $16.01
[?] PE Ratio versus Sector 44% higher than other Financial stocks
[?] PE Ratio versus Industry 0% lower than other Regional - Mid-Atlantic Banks stocks
[?] Cash Yield 6.52%
[?] Free Cash Flow Jitter 39%
[?] Dividend Yield 4%

Is Citizens & Northern Corporation Stock on Sale?

We believe that Citizens & Northern Corporation may be worth examining further. It's making money, which is a very positive sign. Is it on sale?

Citizens & Northern Corporation looks overpriced right now. If you're looking for a bargain in the stock market, you should probably look elsewhere for a great deal. This might still be a great stock to own—but it's not on sale right now.

Should You Buy CZNC Stock?

Does Citizens & Northern Corporation have a coherent story? Does it have a plan to continue to make money? Is it worth your time? Only you can decide where to go from here. Our investment guide helps you ask the right questions, including how to buy stocks. Use these research links for more information.