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Citizens Bancorp (CZBC)
OTCMKTS · Delayed Price · Currency is USD
16.00
0.00 (0.00%)
At close: Oct 16, 2026

Citizens Bancorp Financials Overview

Millions USD. Fiscal year is Jan - Dec.

Revenue & Profits
Chart
Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Revenue
29.1229.0830.0132.9835.0734.4
Revenue Growth
-0.07%-3.10%-8.99%-5.96%1.92%46.10%
Net Income
2.632.343.175.798.589.72
Earnings Per Share
0.460.420.571.031.521.73
EPS Growth
21.80%-26.40%-44.98%-32.26%-12.19%151.12%

Cash & Debt
Chart
Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash & Investments
102.4279.8948.25162.17155.73115.32
Total Debt
14.8326.6115.57179.5729.5344.53
Net Cash (Debt)
87.5953.2832.69-17.4126.270.79
Net Cash Growth
14.38%63.02%--78.27%-53.67%
Net Cash Per Share
15.229.485.82-3.0922.3212.59

Cash Flow & CapEx
Chart
Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Cash Flow
-7.752.8613.213.5612.55
Capital Expenditures
--0.36-0.71-1.44-0.49-0.46
Free Cash Flow
-7.392.1511.7613.0712.09
Free Cash Flow Growth
-243.29%-81.70%-10.01%8.17%9.25%

Margins
Chart
Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Profit Margin
9.03%8.05%10.57%17.57%24.46%28.24%
FCF Margin
-25.41%7.17%35.67%37.28%35.13%

Dividends
Chart
Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingOct '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Dividend Per Share
0.2000.2000.3200.3500.4200.550
Dividend Per Share Growth
-37.50%-37.50%-8.57%-16.67%-23.64%52.78%
Dividend Yield
1.25%1.97%3.16%2.96%3.60%3.27%

Valuation
Chart
Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingOct '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
35.0324.3917.8711.367.689.73
P/FCF Ratio
-7.7226.345.605.047.82
PS Ratio
3.111.961.892.001.882.75