Citizens Bancorp Statistics
Total Valuation
CZBC has a market cap or net worth of 55.40 million.
| Market Cap | 55.40M |
| Enterprise Value | n/a |
Important Dates
The next estimated earnings date is Thursday, October 30, 2025.
| Earnings Date | Oct 30, 2025 |
| Ex-Dividend Date | Dec 13, 2024 |
Share Statistics
CZBC has 5.62 million shares outstanding. The number of shares has decreased by -0.09% in one year.
| Current Share Class | 5.62M |
| Shares Outstanding | 5.62M |
| Shares Change (YoY) | -0.09% |
| Shares Change (QoQ) | +10.44% |
| Owned by Insiders (%) | n/a |
| Owned by Institutions (%) | 1.82% |
| Float | 5.30M |
Valuation Ratios
The trailing PE ratio is 20.55.
| PE Ratio | 20.55 |
| Forward PE | n/a |
| PS Ratio | 1.88 |
| PB Ratio | 0.69 |
| P/TBV Ratio | 0.71 |
| P/FCF Ratio | n/a |
| P/OCF Ratio | n/a |
| PEG Ratio | n/a |
Enterprise Valuation
| EV / Earnings | n/a |
| EV / Sales | n/a |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | n/a |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | n/a |
| Debt / EBITDA | n/a |
| Debt / FCF | n/a |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 3.80%.
| Return on Equity (ROE) | 3.80% |
| Return on Assets (ROA) | 0.33% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Revenue Per Employee | n/a |
| Profits Per Employee | n/a |
| Employee Count | n/a |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, CZBC has paid 546,000 in taxes.
| Income Tax | 546,000 |
| Effective Tax Rate | 15.88% |
Stock Price Statistics
The stock price has decreased by -8.37% in the last 52 weeks. The beta is 0.12, so CZBC's price volatility has been lower than the market average.
| Beta (5Y) | 0.12 |
| 52-Week Price Change | -8.37% |
| 50-Day Moving Average | 9.81 |
| 200-Day Moving Average | 10.08 |
| Relative Strength Index (RSI) | 64.42 |
| Average Volume (20 Days) | 822 |
Short Selling Information
| Short Interest | n/a |
| Short Previous Month | n/a |
| Short % of Shares Out | n/a |
| Short % of Float | n/a |
| Short Ratio (days to cover) | 0.17 |
Income Statement
In the last 12 months, CZBC had revenue of 29.46 million and earned 2.69 million in profits. Earnings per share was 0.48.
| Revenue | 29.46M |
| Gross Profit | 29.46M |
| Operating Income | 3.87M |
| Pretax Income | 3.44M |
| Net Income | 2.69M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | 0.48 |
Balance Sheet
The company has 99.42 million in cash and 17.72 million in debt, giving a net cash position of 81.70 million or 14.53 per share.
| Cash & Cash Equivalents | 99.42M |
| Total Debt | 17.72M |
| Net Cash | 81.70M |
| Net Cash Per Share | 14.53 |
| Equity (Book Value) | 80.28M |
| Book Value Per Share | 12.35 |
| Working Capital | -639.01M |
Cash Flow
| Operating Cash Flow | n/a |
| Capital Expenditures | n/a |
| Free Cash Flow | n/a |
| FCF Per Share | n/a |
Margins
| Gross Margin | n/a |
| Operating Margin | 13.15% |
| Pretax Margin | 11.67% |
| Profit Margin | 9.82% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | n/a |
Dividends & Yields
This stock pays an annual dividend of 0.32, which amounts to a dividend yield of 3.25%.
| Dividend Per Share | 0.32 |
| Dividend Yield | 3.25% |
| Dividend Growth (YoY) | -8.57% |
| Years of Dividend Growth | n/a |
| Payout Ratio | n/a |
| Buyback Yield | 0.09% |
| Shareholder Yield | 3.34% |
| Earnings Yield | 4.86% |
| FCF Yield | n/a |
Fair Value
There are several formulas that can be used to estimate the intrinsic value of a stock.
| Lynch Fair Value | |
| Lynch Upside | |
| Graham Number | |
| Graham Upside |
Stock Splits
The last stock split was on July 7, 2014. It was a forward split with a ratio of 1.1.
| Last Split Date | Jul 7, 2014 |
| Split Type | Forward |
| Split Ratio | 1.1 |
Scores
| Altman Z-Score | n/a |
| Piotroski F-Score | 2 |