Citizens & Northern Corp. (CZNC) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

ACNB Corp.

CapStar Financial Holdings, Inc.

Peoples Financial Services Corp.

First Bank (Hamilton, New Jersey)

Carter Bankshares, Inc.

Sierra Bancorp

Citizens & Northern Corp.

West Bancorporation, Inc.

MVB Financial Corp.

Bank of Marin Bancorp

Sterling Bancorp, Inc. (Michigan)

Why is Citizens & Northern Corp. ?

High Profitability with a Net Interest Margin of 6.38%

The Bank has a high Capital Adequacy Ratio of 14.40% signifying high buffers against its risk based assets

Positive results in Dec 25

GROSS NPA (%)(Q) Lowest at 1.07%
NII(Q) Highest at USD 28.47 MM
DIVIDEND PAYOUT RATIO(Y) Highest at 111.46%

With ROA of 0.95%, it has a very attractive valuation with a 1.18 Price to Book Value

The stock is trading at a discount compared to its peers' average historical valuations
Over the past year, while the stock has generated a return of 6.59%, its profits have risen by 15.9% ; the PEG ratio of the company is 13.5

High Institutional Holdings at 31.03%

These investors have better capability and resources to analyse fundamentals of companies than most retail investors.

Real-Time Research Report

Verdict Report

How much should you hold?

Overall Portfolio exposure to Citizens & Northern Corp. should be less than 10%
Overall Portfolio exposure to Regional Banks should be less than 30%

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)

When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock

Is Citizens & Northern Corp. for you?

Low Risk, High Return

Absolute

Risk Adjusted

Volatility

Citizens & Northern Corp.

14.03%

1.25

24.53%

S&P 500

30.29%

0.62

19.30%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

12.53%

EBIT Growth (5y)

4.34%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

76.85%

Pledged Shares

Institutional Holding

31.03%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

1.18

EV to EBIT

15.82

EV to EBITDA

14.96

EV to Capital Employed

1.13

EV to Sales

3.93

PEG Ratio

13.53

Dividend Yield

4.23%

ROCE (Latest)

7.13%

ROE (Latest)

8.73%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bearish

Bullish

RSI

No Signal

Bollinger Bands

Mildly Bullish

Bullish

Moving Averages

Bullish (Daily)

KST

Mildly Bearish

Bullish

Dow Theory

No Trend

Mildly Bearish

OBV

Mildly Bullish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

12What is working for the Company

GROSS NPA (%)

NII(Q)

Highest at USD 28.47 MM

DIVIDEND PAYOUT RATIO(Y)

Highest at 111.46%

NET SALES(Q)

Highest at USD 41.4 MM

OPERATING PROFIT(Q)

Highest at USD 12.24 MM

PRE-TAX PROFIT(Q)

Highest at USD 12.28 MM

NET PROFIT(Q)

Highest at USD 10.17 MM

-4What is not working for the Company

OPERATING CASH FLOW(Y)

Lowest at USD 20.07 MM

EPS(Q)

Lowest at USD 0.25

Here's what is working for Citizens & Northern Corp.

Non Performing Loans (%)

Lowest at 1.07%

in the last four Semi-Annual periods

MOJO Watch

Proportion of stressed loans given by the bank are falling

Non Performing Loans (%)

NII

Highest at USD 28.47 MM

in the last five periods

MOJO Watch

The bank's income from core business is increasing

NII (USD MM)

Net Sales

Highest at USD 41.4 MM

in the last five periods

MOJO Watch

Near term sales trend is positive

Net Sales (USD MM)

Net Sales

At USD 41.4 MM has Grown at 26.29%

over average net sales of the previous four periods of USD 32.79 MM

MOJO Watch

Near term sales trend is positive

Net Sales (USD MM)

Operating Profit

Highest at USD 12.24 MM

in the last five periods

MOJO Watch

Near term Operating Profit trend is positive

Operating Profit (USD MM)

Pre-Tax Profit

Highest at USD 12.28 MM

in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (USD MM)

Pre-Tax Profit

At USD 12.28 MM has Grown at 42.74%

over average net sales of the previous four periods of USD 8.61 MM

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (USD MM)

Net Profit

Highest at USD 10.17 MM

in the last five periods

MOJO Watch

Near term Net Profit trend is positive

Net Profit (USD MM)

Net Profit

At USD 10.17 MM has Grown at 46.55%

over average net sales of the previous four periods of USD 6.94 MM

MOJO Watch

Near term Net Profit trend is positive

Net Profit (USD MM)

Dividend Payout Ratio

Highest at 111.46%

in the last five years

MOJO Watch

Company is distributing higher proportion of profits generated as dividend

DPR (%)

Here's what is not working for Citizens & Northern Corp.

Operating Cash Flow

Lowest at USD 20.07 MM

in the last three years

MOJO Watch

The company's cash revenues from business operations are falling

Operating Cash Flows (USD MM)

EPS

Lowest at USD 0.25

in the last five periods

MOJO Watch

Declining profitability; company has created lower earnings for shareholders

EPS (USD)

Capital Adequacy Ratio

Lowest at 12.18%

in the last five periods

MOJO Watch

The Bank's capital base vs its risk assets is deteriorating.

CAR (%)