Citizens Bancorp Statistics
Total Valuation
CZBC has a market cap or net worth of 83.24 million.
| Market Cap | 83.24M |
| Enterprise Value | n/a |
Important Dates
The next estimated earnings date is Thursday, July 23, 2026.
| Earnings Date | Jul 23, 2026 |
| Ex-Dividend Date | Dec 12, 2025 |
Share Statistics
CZBC has 5.67 million shares outstanding. The number of shares has increased by 2.35% in one year.
| Current Share Class | 5.67M |
| Shares Outstanding | 5.67M |
| Shares Change (YoY) | +2.35% |
| Shares Change (QoQ) | +30.00% |
| Owned by Insiders (%) | n/a |
| Owned by Institutions (%) | 1.80% |
| Float | 5.35M |
Valuation Ratios
The trailing PE ratio is 34.49.
| PE Ratio | 34.49 |
| Forward PE | n/a |
| PS Ratio | 2.87 |
| PB Ratio | 0.96 |
| P/TBV Ratio | 0.98 |
| 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 3.11%.
| Return on Equity (ROE) | 3.11% |
| Return on Assets (ROA) | 0.32% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Weighted Average Cost of Capital (WACC) | 3.57% |
| Revenue Per Employee | n/a |
| Profits Per Employee | n/a |
| Employee Count | 169 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, CZBC has paid 216,000 in taxes.
| Income Tax | 216,000 |
| Effective Tax Rate | 7.73% |
Stock Price Statistics
The stock price has increased by +46.17% in the last 52 weeks. The beta is 0.09, so CZBC's price volatility has been lower than the market average.
| Beta (5Y) | 0.09 |
| 52-Week Price Change | +46.17% |
| 50-Day Moving Average | 11.92 |
| 200-Day Moving Average | 10.91 |
| Relative Strength Index (RSI) | 86.79 |
| Average Volume (20 Days) | 1,276 |
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) | 0.40 |
Income Statement
In the last 12 months, CZBC had revenue of 29.02 million and earned 2.43 million in profits. Earnings per share was 0.43.
| Revenue | 29.02M |
| Gross Profit | 29.02M |
| Operating Income | 3.14M |
| Pretax Income | 2.80M |
| Net Income | 2.43M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | 0.43 |
Balance Sheet
The company has 72.24 million in cash and 26.90 million in debt, with a net cash position of 45.34 million or 8.00 per share.
| Cash & Cash Equivalents | 72.24M |
| Total Debt | 26.90M |
| Net Cash | 45.34M |
| Net Cash Per Share | 8.00 |
| Equity (Book Value) | 86.83M |
| Book Value Per Share | 13.94 |
| Working Capital | -636.91M |
Cash Flow
| Operating Cash Flow | n/a |
| Capital Expenditures | n/a |
| Depreciation & Amortization | n/a |
| Net Borrowing | n/a |
| Free Cash Flow | n/a |
| FCF Per Share | n/a |
Margins
| Gross Margin | n/a |
| Operating Margin | 10.82% |
| Pretax Margin | 9.64% |
| Profit Margin | 8.89% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | n/a |
Dividends & Yields
This stock pays an annual dividend of 0.20, which amounts to a dividend yield of 1.36%.
| Dividend Per Share | 0.20 |
| Dividend Yield | 1.36% |
| Dividend Growth (YoY) | -37.50% |
| Years of Dividend Growth | n/a |
| Payout Ratio | n/a |
| Buyback Yield | -2.35% |
| Shareholder Yield | -0.99% |
| Earnings Yield | 2.92% |
| 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 |