Citizens Bancorp (CZBC)

Citizens Bancorp Ratios and Metrics

Market cap in millions USD. Fiscal year is January - December.

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 12, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Market Capitalization	77	57	57	66	66	94
Market Cap Growth	16.38%	0.68%	-13.86%	-0.13%	-30.24%	10.55%
Last Close Price	13.64	10.15	9.94	11.22	10.81	14.95
PE Ratio	32.78	24.39	17.87	11.36	7.68	9.73
PS Ratio	2.64	1.96	1.89	2.00	1.88	2.75
PB Ratio	0.88	0.65	0.77	0.92	1.12	0.99
P/FCF Ratio	10.38	7.72	26.34	5.60	5.04	7.82
P/OCF Ratio	9.90	7.37	19.82	4.99	4.86	7.53
Debt / Equity Ratio	0.30	0.30	0.21	2.52	0.50	0.47
Debt / FCF Ratio	3.60	3.60	7.23	15.27	2.26	3.68
Net Debt / Equity Ratio	-0.61	-0.61	-0.44	0.24	-2.15	-0.74
Net Debt / FCF Ratio	-7.21	-7.21	-15.18	1.48	-9.65	-5.86
Return on Equity (ROE)	3.09%	3.09%	4.66%	9.47%	11.81%	10.72%
Return on Assets (ROA)	0.30%	0.30%	0.37%	0.59%	0.86%	1.01%
Earnings Yield	3.05%	4.36%	5.95%	9.35%	13.81%	10.92%
FCF Yield	9.63%	12.95%	3.80%	17.87%	19.83%	12.79%
Dividend Yield	1.47%	1.97%	3.22%	3.12%	3.89%	3.68%
Payout Ratio	62.86%	62.86%	42.16%	34.69%	29.88%	13.75%
Buyback Yield / Dilution	-0.20%	-0.21%	0.45%	0.31%	-0.55%	-0.49%
Total Shareholder Return	1.26%	1.76%	3.67%	3.43%	3.33%	3.19%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.