ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Citizens & Northern Corp. ?
1
High Profitability with a Net Interest Margin of 6.38%
2
The Bank has a high Capital Adequacy Ratio of 14.40% signifying high buffers against its risk based assets
3
With a growth in Interest of NAN%, the company declared Very Positive results in Jun 26
- NII(Q) Highest at USD 29.62 MM
- NET SALES(Q) Highest at USD 41.57 MM
- OPERATING PROFIT(Q) Highest at USD 17.42 MM
4
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 36.73%, its profits have risen by 15.8% ; the PEG ratio of the company is 13.6
5
High Institutional Holdings at 38.12%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 5.58% over the previous quarter.
6
Market Beating Performance
- The stock has generated a return of 36.73% in the last 1 year, much higher than market (S&P 500) returns of 22.61%
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?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
Citizens & Northern Corp.
36.73%
2.02
24.66%
S&P 500
22.61%
1.71
13.21%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
12.53%
EBIT Growth (5y)
3.84%
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
76.85%
Pledged Shares
0
Institutional Holding
32.54%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
14
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%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
No Trend
Mildly Bearish
OBV
Mildly Bullish
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend16What is working for the Company
NII(Q)
Highest at USD 29.62 MM
NET SALES(Q)
Highest at USD 41.57 MM
OPERATING PROFIT(Q)
Highest at USD 17.42 MM
OPERATING PROFIT MARGIN(Q)
Highest at 41.92 %
PRE-TAX PROFIT(Q)
Highest at USD 17.43 MM
NET PROFIT(Q)
Highest at USD 14.06 MM
EPS(Q)
Highest at USD 0.79
-5What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at USD 27.52 MM
DIVIDEND PAYOUT RATIO(Y)
Lowest at 35.4%
CREDIT DEPOSIT RATIO(HY)
Lowest at 90.21%
Here's what is working for Citizens & Northern Corp.
Pre-Tax Profit
At USD 17.43 MM has Grown at 138.58%
over average net sales of the previous four periods of USD 7.3 MMMOJO Watch
Near term Pre-Tax Profit trend is very positive
Pre-Tax Profit (USD MM)
Net Profit
At USD 14.06 MM has Grown at 135.85%
over average net sales of the previous four periods of USD 5.96 MMMOJO Watch
Near term Net Profit trend is very positive
Net Profit (USD MM)
NII
Highest at USD 29.62 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (USD MM)
Net Sales
Highest at USD 41.57 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Operating Profit
Highest at USD 17.42 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 41.92 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at USD 17.43 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 14.06 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 0.79
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Here's what is not working for Citizens & Northern Corp.
Operating Cash Flow
Lowest at USD 27.52 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)
Credit Deposit Ratio
Lowest at 90.21%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets
Credit Deposit Ratio (%)
Dividend Payout Ratio
Lowest at 35.4%
in the last five yearsMOJO Watch
Company is distributing lower proportion of profits generated as dividend
DPR (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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