CZNC Intrinsic Valuation and Fundamental Analysis - Citizens & Northern Corp - Alpha Spread

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Price: 23.34 USD -2.1% Market Closed

Market Cap: $418.3m

Intrinsic Value

The intrinsic value for Citizens & Northern Corp (CZNC) under the Base Case is 27.09 USD. Compared with the current market price of 23.34 USD, the stock appears Undervalued by 14% .

Multiples-Based Value

Multiples-Based Value

DCF suggests undervaluation, while multiples suggest overvaluation.

Why combine DCF with multiples? What is Intrinsic Value?

CZNC Intrinsic Value

Undervaluation 14%

Intrinsic Value

Price $23.34

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Base Case

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20% below Intrinsic Value $21.68

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Intrinsic Value $27.09

Current Price $23.34

Margin of Safety 20% $21.68

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Relative Valuation

Wall St Estimates

The intrinsic value for Citizens & Northern Corp (CZNC) under the Base Case is 27.09 USD.

Compared with the current market price of 23.34 USD, the stock appears Undervalued by 14% .

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