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Citizens Bancorp (CZBC)
OTCMKTS · Delayed Price · Currency is USD
16.00
+0.34 (2.17%)
Aug 4, 2026, 1:55 PM EST

Citizens Bancorp Financials Overview

Millions USD. Fiscal year is Jan - Dec.

Revenue & Profits
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Revenue
28.4829.0830.0132.9835.0734.4
Revenue Growth
-3.33%-3.10%-8.99%-5.96%1.92%46.10%
Net Income
1.962.343.175.798.589.72
Earnings Per Share
0.350.420.571.031.521.73
EPS Growth
-26.32%-26.40%-44.98%-32.26%-12.19%151.12%

Cash & Debt
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash & Investments
74.8679.8948.25162.17155.73115.32
Total Debt
22.8226.6115.57179.5729.5344.53
Net Cash (Debt)
52.0553.2832.69-17.4126.270.79
Net Cash Growth
-36.30%63.02%--78.27%-53.67%
Net Cash Per Share
9.389.485.82-3.0922.3212.59

Cash Flow & CapEx
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '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 YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Profit Margin
6.88%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 YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingAug '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%3.22%3.12%3.89%3.68%

Valuation
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingAug '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
45.3024.3917.8711.367.689.73
P/FCF Ratio
-7.7226.345.605.047.82
PS Ratio
3.181.961.892.001.882.75