Citizens Bancorp Statistics
Total Valuation
CZBC has a market cap or net worth of 90.66 million.
| Market Cap | 90.66M |
| Enterprise Value | n/a |
Important Dates
The next estimated earnings date is Friday, October 30, 2026.
| Earnings Date | Oct 30, 2026 |
| Ex-Dividend Date | Dec 12, 2025 |
Share Statistics
CZBC has 5.67 million shares outstanding. The number of shares has decreased by -1.18% in one year.
| Current Share Class | 5.67M |
| Shares Outstanding | 5.67M |
| Shares Change (YoY) | -1.18% |
| Shares Change (QoQ) | -19.54% |
| Owned by Insiders (%) | n/a |
| Owned by Institutions (%) | 1.80% |
| Float | n/a |
Valuation Ratios
The trailing PE ratio is 45.30.
| PE Ratio | 45.30 |
| Forward PE | n/a |
| PS Ratio | 3.18 |
| PB Ratio | 1.04 |
| P/TBV Ratio | 1.06 |
| 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 2.52%.
| Return on Equity (ROE) | 2.52% |
| Return on Assets (ROA) | 0.25% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Weighted Average Cost of Capital (WACC) | 3.72% |
| 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 145,000 in taxes.
| Income Tax | 145,000 |
| Effective Tax Rate | 6.44% |
Stock Price Statistics
The stock price has increased by +62.93% in the last 52 weeks. The beta is 0.07, so CZBC's price volatility has been lower than the market average.
| Beta (5Y) | 0.07 |
| 52-Week Price Change | +62.93% |
| 50-Day Moving Average | 14.21 |
| 200-Day Moving Average | 11.28 |
| Relative Strength Index (RSI) | 79.69 |
| Average Volume (20 Days) | 2,014 |
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) | 0.26 |
Income Statement
In the last 12 months, CZBC had revenue of 28.48 million and earned 1.96 million in profits. Earnings per share was 0.35.
| Revenue | 28.48M |
| Gross Profit | 28.48M |
| Operating Income | 2.60M |
| Pretax Income | 2.25M |
| Net Income | 1.96M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | 0.35 |
Balance Sheet
The company has 74.86 million in cash and 22.82 million in debt, with a net cash position of 52.05 million or 9.18 per share.
| Cash & Cash Equivalents | 74.86M |
| Total Debt | 22.82M |
| Net Cash | 52.05M |
| Net Cash Per Share | 9.18 |
| Equity (Book Value) | 87.24M |
| Book Value Per Share | 17.41 |
| Working Capital | -646.46M |
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 | 9.12% |
| Pretax Margin | 7.91% |
| Profit Margin | 7.40% |
| 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 1.25%.
| Dividend Per Share | 0.20 |
| Dividend Yield | 1.25% |
| Dividend Growth (YoY) | -37.50% |
| Years of Dividend Growth | n/a |
| Payout Ratio | n/a |
| Buyback Yield | 1.18% |
| Shareholder Yield | 2.46% |
| Earnings Yield | 2.16% |
| 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 |