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 increased by 2.55% in one year.
| Current Share Class | 5.67M |
| Shares Outstanding | 5.67M |
| Shares Change (YoY) | +2.55% |
| Shares Change (QoQ) | +27.85% |
| Owned by Insiders (%) | n/a |
| Owned by Institutions (%) | 1.80% |
| Float | n/a |
Valuation Ratios
The trailing PE ratio is 35.03.
| PE Ratio | 35.03 |
| Forward PE | n/a |
| PS Ratio | 3.11 |
| PB Ratio | 1.09 |
| P/TBV Ratio | 1.11 |
| 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 | 0.18 |
| Debt / EBITDA | n/a |
| Debt / FCF | n/a |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 3.27%.
| Return on Equity (ROE) | 3.27% |
| Return on Assets (ROA) | 0.33% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Weighted Average Cost of Capital (WACC) | 4.04% |
| 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 179,000 in taxes.
| Income Tax | 179,000 |
| Effective Tax Rate | 6.06% |
Stock Price Statistics
The stock price has increased by +62.44% in the last 52 weeks. The beta is 0.08, so CZBC's price volatility has been lower than the market average.
| Beta (5Y) | 0.08 |
| 52-Week Price Change | +62.44% |
| 50-Day Moving Average | 15.15 |
| 200-Day Moving Average | 11.77 |
| Relative Strength Index (RSI) | 61.08 |
| Average Volume (20 Days) | 1,533 |
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) | 0.32 |
Income Statement
In the last 12 months, CZBC had revenue of 29.12 million and earned 2.63 million in profits. Earnings per share was 0.46.
| Revenue | 29.12M |
| Gross Profit | 29.12M |
| Operating Income | 3.30M |
| Pretax Income | 2.96M |
| Net Income | 2.63M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | 0.46 |
Balance Sheet
The company has 102.42 million in cash and 14.83 million in debt, with a net cash position of 87.59 million or 15.46 per share.
| Cash & Cash Equivalents | 102.42M |
| Total Debt | 14.83M |
| Net Cash | 87.59M |
| Net Cash Per Share | 15.46 |
| Equity (Book Value) | 83.47M |
| Book Value Per Share | 13.02 |
| Working Capital | -636.42M |
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 | 11.33% |
| Pretax Margin | 10.15% |
| Profit Margin | 9.53% |
| 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 | 56.63% |
| FCF Payout Ratio | n/a |
| Buyback Yield | -2.55% |
| Shareholder Yield | -1.30% |
| Earnings Yield | 2.85% |
| 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 |