ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Citizens Bancorp (Oregon) ?
1
With a Operating Losses, the company has a Weak Long Term Fundamental Strength
- Poor long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at 11.00%
- A low provision coverage ratio signifies the bank has not recognized and created adeqaute reserves to cover its non perfoming loans
2
With a fall in Interest of NAN%, the company declared Very Negative results in Dec 22
- The company has declared negative results in Jan 70 after 2 consecutive negative quarters
- DPR(Y) Lowest at 27.69 %
3
With ROA of 0.46%, it has a does not qualify valuation with a 1.04 Price to Book Value
- Over the past year, while the stock has generated a return of 13.30%, its profits have fallen by -11.8%
Real-Time Research ReportHow much should you sell?
- All quantity irrespective of whether you are making profits or losses
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to re-enter? - We will constantly monitor the company and review our call based on new data
No Data Found
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
1.42%
EBIT Growth (5y)
-8.02%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
56.60%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
19
Industry P/E
Price to Book Value
0.67
EV to EBIT
-8.12
EV to EBITDA
-8.12
EV to Capital Employed
19.70
EV to Sales
-0.89
PEG Ratio
NA
Dividend Yield
NA
ROCE (Latest)
-242.60%
ROE (Latest)
3.60%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Mildly Bullish
RSI
Bearish
Bearish
Bollinger Bands
Bullish
Bullish
Moving Averages
Mildly Bearish (Daily)
KST
Bullish
Mildly Bullish
Dow Theory
Mildly Bullish
Mildly Bullish
OBV
Mildly Bullish
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend0What is working for the Company
NO KEY POSITIVE TRIGGERS
-21What is not working for the Company
NET SALES(HY)
At USD 15.4 MM has Grown at -15.89%
OPERATING PROFIT(Q)
Lowest at USD 0.43 MM
OPERATING PROFIT MARGIN(Q)
Lowest at 5.46 %
PRE-TAX PROFIT(Q)
Lowest at USD 0.43 MM
NET PROFIT(Q)
Lowest at USD 0.4 MM
EPS(Q)
Lowest at USD 0.07
Here's what is not working for Citizens Bancorp (Oregon)
Pre-Tax Profit
At USD 0.43 MM has Fallen at -50%
over average net sales of the previous four periods of USD 0.86 MMMOJO Watch
Near term Pre-Tax Profit trend is very negative
Pre-Tax Profit (USD MM)
Net Profit
At USD 0.4 MM has Fallen at -45.13%
over average net sales of the previous four periods of USD 0.72 MMMOJO Watch
Near term Net Profit trend is very negative
Net Profit (USD MM)
Net Sales
At USD 15.4 MM has Grown at -15.89%
Year on Year (YoY)MOJO Watch
Near term sales trend is negative
Net Sales (USD MM)
Operating Profit
Lowest at USD 0.43 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is negative
Operating Profit (USD MM)
Operating Profit Margin
Lowest at 5.46 %
in the last five periodsMOJO Watch
Company's profit margin has deteriorated
Operating Profit to Sales
Pre-Tax Profit
Lowest at USD 0.43 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is negative
Pre-Tax Profit (USD MM)
Net Profit
Lowest at USD 0.4 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is negative
Net Profit (USD MM)
EPS
Lowest at USD 0.07
in the last five periodsMOJO Watch
Declining profitability; company has created lower earnings for shareholders
EPS (USD)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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