ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Citizens & Northern Corp. ?
1
High Profitability with a Net Interest Margin of 8.07%
2
The Bank has a high Capital Adequacy Ratio of 14.40% signifying high buffers against its risk based assets
3
Flat results in Jun 25
- OPERATING CASH FLOW(Y) Lowest at USD 30.07 MM
- ROCE(HY) Lowest at 1.03%
- GROSS NPA (%)(Q) Highest at 1.32%
4
With ROA of 0.85%, it has a very attractive valuation with a 1.04 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 12.47%, its profits have risen by 16% ; the PEG ratio of the company is 0.7
Real-Time Research ReportHow 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, Medium Return
Absolute
Risk Adjusted
Volatility
Citizens & Northern Corp.
12.47%
0.92
26.72%
S&P 500
15.37%
0.77
19.87%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
13.90%
EBIT Growth (5y)
6.07%
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
66.39%
Pledged Shares
0
Institutional Holding
35.66%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
11
Industry P/E
Price to Book Value
1.04
EV to EBIT
11.49
EV to EBITDA
10.58
EV to Capital Employed
1.03
EV to Sales
2.70
PEG Ratio
0.73
Dividend Yield
5.83%
ROCE (Latest)
8.99%
ROE (Latest)
9.48%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Mildly Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Mildly Bearish
Dow Theory
Mildly Bullish
Mildly Bullish
OBV
Mildly Bullish
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend6What is working for the Company
ROCE(HY)
Highest at 1.03%
NII(Q)
Highest at USD 21.14 MM
-8What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at USD 30.07 MM
ROCE(HY)
Lowest at 1.03%
GROSS NPA (%)
(Q
EPS(Q)
Lowest at USD 0.4
Here's what is working for Citizens & Northern Corp.
NII
Highest at USD 21.14 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (USD MM)
Here's what is not working for Citizens & Northern Corp.
Operating Cash Flow
Lowest at USD 30.07 MM and Fallen
In each year in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (USD MM)
Non Performing Loans (%)
Highest at 1.32%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are increasing
Non Performing Loans (%)
EPS
Lowest at USD 0.4
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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