CITIZENS & NORTHERN CORPORATION (CZNC) scores 48 out of 100 on boothcheck's 11-model valuation framework. Verdict: Avoid The estimated fair value is 24.99, representing a 12% margin of safety. Quantitative score: 48/100. Qualitative score: 70/100.
Analysis includes bear, base, and bull fair value targets using DCF, Graham, regression, and 8 other valuation models.