Citizens Bancorp Statistics
Total Valuation
CZBC has a market cap or net worth of 78.68 million.
| Market Cap | 78.68M |
| Enterprise Value | n/a |
Important Dates
The last earnings date was Wednesday, April 29, 2026.
| Earnings Date | Apr 29, 2026 |
| Ex-Dividend Date | Dec 12, 2025 |
Share Statistics
CZBC has 5.62 million shares outstanding. The number of shares has increased by 0.21% in one year.
| Current Share Class | 5.62M |
| Shares Outstanding | 5.62M |
| Shares Change (YoY) | +0.21% |
| Shares Change (QoQ) | -17.40% |
| Owned by Insiders (%) | n/a |
| Owned by Institutions (%) | 1.82% |
| Float | 5.30M |
Valuation Ratios
The trailing PE ratio is 33.62.
| PE Ratio | 33.62 |
| Forward PE | n/a |
| PS Ratio | 2.71 |
| PB Ratio | 0.90 |
| P/TBV Ratio | 0.92 |
| P/FCF Ratio | 10.65 |
| P/OCF Ratio | 10.16 |
| 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 | 3.60 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 3.09%.
| Return on Equity (ROE) | 3.09% |
| Return on Assets (ROA) | 0.30% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Weighted Average Cost of Capital (WACC) | 3.29% |
| 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 184,000 in taxes.
| Income Tax | 184,000 |
| Effective Tax Rate | 6.89% |
Stock Price Statistics
The stock price has increased by +37.83% in the last 52 weeks. The beta is 0.03, so CZBC's price volatility has been lower than the market average.
| Beta (5Y) | 0.03 |
| 52-Week Price Change | +37.83% |
| 50-Day Moving Average | 11.32 |
| 200-Day Moving Average | 10.83 |
| Relative Strength Index (RSI) | 82.24 |
| Average Volume (20 Days) | 640 |
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) | 0.59 |
Income Statement
In the last 12 months, CZBC had revenue of 29.08 million and earned 2.34 million in profits. Earnings per share was 0.42.
| Revenue | 29.08M |
| Gross Profit | 29.08M |
| Operating Income | 3.02M |
| Pretax Income | 2.67M |
| Net Income | 2.34M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | 0.42 |
Balance Sheet
The company has 79.89 million in cash and 26.61 million in debt, giving a net cash position of 53.28 million or 9.47 per share.
| Cash & Cash Equivalents | 79.89M |
| Total Debt | 26.61M |
| Net Cash | 53.28M |
| Net Cash Per Share | 9.47 |
| Equity (Book Value) | 87.63M |
| Book Value Per Share | 15.24 |
| Working Capital | -649.01M |
Cash Flow
In the last 12 months, operating cash flow was 7.75 million and capital expenditures -357,000, giving a free cash flow of 7.39 million.
| Operating Cash Flow | 7.75M |
| Capital Expenditures | -357,000 |
| Depreciation & Amortization | n/a |
| Net Borrowing | 11.23M |
| Free Cash Flow | 7.39M |
| FCF Per Share | 1.31 |
Margins
| Gross Margin | n/a |
| Operating Margin | 10.37% |
| Pretax Margin | 9.19% |
| Profit Margin | 8.56% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 25.42% |
Dividends & Yields
This stock pays an annual dividend of 0.20, which amounts to a dividend yield of 1.43%.
| Dividend Per Share | 0.20 |
| Dividend Yield | 1.43% |
| Dividend Growth (YoY) | -37.50% |
| Years of Dividend Growth | n/a |
| Payout Ratio | 62.86% |
| Buyback Yield | -0.21% |
| Shareholder Yield | 1.22% |
| Earnings Yield | 2.97% |
| FCF Yield | 9.39% |
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 | 4 |