Citizens & Northern Corp Dossier
Valuation
How Intrinsic Value compares with model outputs
Intrinsic Value $17.89median of 2 methodsbased on filings through 30 Jun 2026
Market Price $25.19Price as of 1 Oct 2026
Valuation methods vs. Market Price
$0$10$20$30$40$50
DCF
$42.98
DNI
$24.34
P/S
Not available
abstainedP/E
$17.30◇ $16.50
P/B
$18.48◇ $15.47
PEG
$10.57
$0$10$20$30$40$50
Market Price ($25.19) Intrinsic Value ($17.89) peer-implied value
Company vs. peer median Members
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Assumptions
| Parameter | Value |
|---|---|
| Years 1–5: analyst growth pathFive-year total matches analyst consensus exactly. Year 1: 25.5% (near-term consensus, capped) · years 2–5: -5.5%/yr (balance of the path). | 0.0% per year |
Years 6–10: glide to demonstrated growthPer-year ratesYr 6-3.8%Yr 7-2.1%Yr 8-0.4%Yr 91.3%Yr 103.0% | -5.5% → 3.0% |
Years 11–20: glide to long-run ratePer-year ratesYr 113.0%Yr 123.0%Yr 133.0%Yr 143.0%Yr 153.0%Yr 163.0%Yr 173.0%Yr 183.0%Yr 193.0%Yr 203.0% | 3.0% → 3.0% |
| Beyond year 20: terminal growthPerpetual long-run rate | 3.0% |
| Historical EPS growth (multi-year median)median of 3 windows (5/6/7y) | 0.0% |
| Discount rate (cost of equity) | 7.6% |
| Volatility vs market (adjusted beta) | 0.60 |
Valuation Detail Members
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Assumptions Sandbox Members
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Best value in each row is highlighted. Figures are periodic snapshots from the same filings used across each dossier; a dash means the figure is not available.