Definitive Analysis
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Definitive Analysis

Financial Statements

Company Industry Sector

Fundamentals

Margins Returns Growth Rates Metrics/Ratios

Valuations

Projections DCF DDM EPV Multiples Valuations

Miscellaneous

Indicators Charts WACC Beta Predictability

Mode

Company Industry Sector

Ticker

Industry

Sector

Citizens & Northern Corporation (CZNC)

Company Dividend Discount ModelIndustry: Banks - RegionalSector: Financial Services

Valuation Snapshot

Stable Growth$42.37 - $117.67$65.69
Multi-Stage$36.40 - $39.79$38.06
Blended Fair Value$51.88
Current Price$19.81
Upside161.87%
DecisionBuy

Dividend History & Growth Metrics (10Y)

Metric5Y CAGR10Y CAGR2024202320222021202020192018201720162015
DPS2.04%3.15%1.011.011.031.040.940.910.760.720.720.73
YoY Growth---0.25%-1.87%-0.69%10.42%3.05%19.54%5.39%0.30%-1.18%-1.29%
Dividend Yield--5.02%5.59%4.83%4.26%3.96%4.57%2.95%3.14%3.10%3.68%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)
Net Income To Common (M)27.14
(-) Cash Dividends Paid (M)15.64
(=) Cash Retained (M)11.50
MetricLOWBASEHIGH
Required Retention Ratio20.0%12.5%7.5%
(=) Cash Required (M)5.433.392.04
Cash Retained (M)11.5011.5011.50
(-) Cash Required (M)-5.43-3.39-2.04
(=) Excess Retained (M)6.078.109.46
(/) Shares Outstanding (M)15.3815.3815.38
(=) Excess Retained per Share0.390.530.62
LTM Dividend per Share1.021.021.02
(+) Excess Retained per Share0.390.530.62
(=) Adjusted Dividend1.411.541.63
WACC / Discount Rate7.72%7.72%7.72%
Growth Rate4.24%5.24%6.24%
Fair Value$42.37$65.69$117.67
Upside / Downside113.86%231.61%493.99%

Multi-Stage Model: Projections

(USD in Millions)
MetricTTMDec-27Dec-28Dec-29Dec-30Dec-31Terminal
Net Income (M)27.1428.5630.0531.6333.2935.0336.08
Payout Ratio57.64%64.11%70.58%77.06%83.53%90.00%92.50%
Projected Dividends (M)15.6418.3121.2124.3727.8131.5333.38

Multi-Stage Valuation

MetricLOWBASEHIGH
WACC / Discount Rate7.72%7.72%7.72%
Growth Rate4.24%5.24%6.24%
Year 1 PV (M)16.8417.0017.16
Year 2 PV (M)17.9418.2818.63
Year 3 PV (M)18.9519.5020.06
Year 4 PV (M)19.8820.6521.45
Year 5 PV (M)20.7321.7422.80
PV of Terminal Value (M)465.27488.02511.65
Equity Value (M)559.61585.20611.75
Shares Outstanding (M)15.3815.3815.38
Fair Value$36.40$38.06$39.79
Upside / Downside83.72%92.13%100.84%

High-Yield Dividend Screener

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