Three independent discounted-cash-flow-style models value Citizens & Northern Corporation every trading day. 1 of 3 currently price CZNC above its market price.
| Free Cash Flow model | $-6.78 |
| Excess Profit model | $36.60 |
| Residual Earnings model | $6.17 |
| Dividend Discount model | $24.22 |
| Piotroski F-Score | 5 / 9 |
| Return on invested capital | +6.6% |
| Net debt / EBITDA | -1.6× |
| Gross margin | +100.0% |
| Revenue CAGR | +14.5% |
| Cash conversion | 1.4× |
| Dividend yield | +4.4% |
| Buyback yield | -4.5% |
These are StockKitty's default assumptions. In the app, the models recompute live as you adjust growth, discount rates, and margins — and the AI explains the bull case, bear case, and quality picture.
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