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

Carter Bankshares, Inc.

CapStar Financial Holdings, Inc.

ACNB Corp.

Peoples Financial Services Corp.

West Bancorporation, Inc.

MVB Financial Corp.

Sierra Bancorp

First Bank (Hamilton, New Jersey)

Bank of Marin Bancorp

Citizens & Northern Corp.

Sterling Bancorp, Inc. (Michigan)

Why is Citizens & Northern Corp. ?

GROSS NPA (%)(Q) Highest at 1.76%
OPERATING PROFIT(Q) Lowest at USD 0.31 MM
OPERATING PROFIT MARGIN(Q) Lowest at 0.76 %

With ROA of 0.70%, it has a expensive valuation with a 1.19 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 17.08%, its profits have risen by 15.8% ; the PEG ratio of the company is 13.6

Real-Time Research Report

Verdict Report

How 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

Is Citizens & Northern Corp. for you?

Medium Risk, Medium Return

Absolute

Risk Adjusted

Volatility

Citizens & Northern Corp.

17.08%

1.21

23.92%

S&P 500

25.41%

1.92

13.25%

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)

3.84%

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

32.54%

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

1.19

EV to EBIT

15.79

EV to EBITDA

14.26

EV to Capital Employed

1.14

EV to Sales

3.75

PEG Ratio

13.60

Dividend Yield

4.22%

ROCE (Latest)

7.21%

ROE (Latest)

8.72%

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

5What is working for the Company

OPERATING CASH FLOW(Y)

Highest at USD 38.26 MM

DIVIDEND PAYOUT RATIO(Y)

Highest at 1,818.18%

-16What is not working for the Company

GROSS NPA (%)

OPERATING PROFIT(Q)

Lowest at USD 0.31 MM

OPERATING PROFIT MARGIN(Q)

Lowest at 0.76 %

PRE-TAX PROFIT(Q)

Lowest at USD 0.34 MM

NET PROFIT(Q)

Lowest at USD 0.27 MM

EPS(Q)

Lowest at USD 0.02

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

Operating Cash Flow

Highest at USD 38.26 MM

in the last three years

MOJO Watch

The company has generated higher cash revenues from business operations

Operating Cash Flows (USD MM)

Dividend Payout Ratio

Highest at 1,818.18%

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.

Pre-Tax Profit

At USD 0.34 MM has Fallen at -96.34%

over average net sales of the previous four periods of USD 9.15 MM

MOJO Watch

Near term Pre-Tax Profit trend is very negative

Pre-Tax Profit (USD MM)

Net Profit

At USD 0.27 MM has Fallen at -96.34%

over average net sales of the previous four periods of USD 7.45 MM

MOJO Watch

Near term Net Profit trend is very negative

Net Profit (USD MM)

Non Performing Loans (%)

Highest at 1.76% and Grown

In each half year in the last four Semi-Annual periods

MOJO Watch

Proportion of stressed loans given by the bank are increasing

Non Performing Loans (%)

Operating Profit

Lowest at USD 0.31 MM

in the last five periods

MOJO Watch

Near term Operating Profit trend is negative

Operating Profit (USD MM)

Operating Profit Margin

Lowest at 0.76 %

in the last five periods

MOJO Watch

Company's profit margin has deteriorated

Operating Profit to Sales

Pre-Tax Profit

Lowest at USD 0.34 MM

in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is negative

Pre-Tax Profit (USD MM)

Net Profit

Lowest at USD 0.27 MM

in the last five periods

MOJO Watch

Near term Net Profit trend is negative

Net Profit (USD MM)

EPS

Lowest at USD 0.02

in the last five periods

MOJO Watch

Declining profitability; company has created lower earnings for shareholders

EPS (USD)

Capital Adequacy Ratio

Lowest at 11.84%

in the last five periods

MOJO Watch

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

CAR (%)