Citizens Bancorp (CZBC)

Citizens Bancorp Ratios and Metrics

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

Fiscal Year	Current	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Feb 13, 2026	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Market Capitalization	65	57	66	66	94	85
Market Cap Growth	-3.44%	-13.86%	-0.13%	-30.24%	10.55%	-17.22%
Last Close Price	11.50	9.94	11.22	10.81	14.95	13.34
PE Ratio	30.67	17.87	11.36	7.68	9.73	22.20
PS Ratio	2.22	1.89	2.00	1.88	2.75	3.63
PB Ratio	0.75	0.77	0.92	1.12	0.99	0.88
P/FCF Ratio	-	26.34	5.60	5.04	7.82	7.73
P/OCF Ratio	-	19.82	4.99	4.86	7.53	7.41
Debt / Equity Ratio	0.38	0.21	2.52	0.50	0.47	0.45
Debt / FCF Ratio	-	7.23	15.27	2.26	3.68	3.91
Net Debt / Equity Ratio	-0.89	-0.44	0.24	-2.15	-0.74	-1.58
Net Debt / FCF Ratio	-	-15.18	1.48	-9.65	-5.86	-13.81
Return on Equity (ROE)	2.72%	4.66%	9.47%	11.81%	10.72%	4.38%
Return on Assets (ROA)	0.27%	0.37%	0.59%	0.86%	1.01%	0.46%
Earnings Yield	3.25%	5.95%	9.35%	13.81%	10.92%	4.80%
FCF Yield	-	3.80%	17.87%	19.83%	12.79%	12.94%
Dividend Yield	1.74%	3.22%	3.12%	3.89%	3.68%	2.70%
Payout Ratio	-	42.16%	34.69%	29.88%	13.75%	55.22%
Buyback Yield / Dilution	-0.41%	0.45%	0.31%	-0.55%	-0.49%	-1.28%
Total Shareholder Return	1.33%	3.67%	3.43%	3.33%	3.19%	1.42%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.