Citizens Bancorp is engaged in providing community banking services. It offers a wide variety of deposit products, commercial, residential, and consumer loans, and other traditional banking products and services. It also offers technology products such as internet banking, online bill pay, and mobile banking services that are designed to meet the needs of small and middle-market businesses and individuals.

Financial Strength

3/10

Name	Current	Vs Industry	Vs History
Cash-To-Debt	0.47
Equity-to-Asset	0.1
Debt-to-Equity	1.21
Debt-to-EBITDA	N/A	N/A	N/A
Interest Coverage	N/A	N/A	N/A
Piotroski F-Score	7/9	0 1 2 3 4 5 6 7 8 9
WACC vs ROIC		WACC ROIC

Growth Rank

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	2.6
	3-Year EPS without NRI Growth Rate	14.3
	3-Year FCF Growth Rate	2
	3-Year Book Growth Rate	-9.8

Momentum Rank

1/10

	Name	Current	Vs Industry		Vs History
	5-Day RSI	1.48
	9-Day RSI	10
	14-Day RSI	21.11
	6-1 Month Momentum %	0.48
	12-1 Month Momentum %	-11.69

Liquidity Ratio

	Name	Current	Vs Industry		Vs History

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	Dividend Yield %	3.35
	Dividend Payout Ratio	0.51
	3-Year Dividend Growth Rate	-0.9
	Forward Dividend Yield %	3.07
	5-Year Yield-on-Cost %	3.35
	3-Year Average Share Buyback Ratio	0.1
	Shareholder Yield %	3.35

Profitability Rank

2/10

	Name	Current	Vs Industry		Vs History
	Net Margin %	13.05
	FCF Margin %	37.77
	ROE %	5.76
	ROA %	0.42
	Years of Profitability over Past 10-Year	5

GF Value Rank

9/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	15.13
	PE Ratio without NRI	15.13
	Price-to-Owner-Earnings	10.7
	PS Ratio	1.83
	PB Ratio	0.75
	Price-to-Tangible-Book	0.75
	Price-to-Free-Cash-Flow	4.97
	Price-to-Operating-Cash-Flow	4.4
	EV-to-Revenue	3.61
	EV-to-FCF	9.56
	Price-to-Graham-Number	0.71
	FCF Yield %	20.33

Financials (Next Earnings Date:2025-02-01 Est.)

Annual Quarterly TTM

CZBC's 30-Y Financials

AAPL

Income Statement Breakdown FY

Annual Quarterly

No Enough Data

AAPL

Balance Sheet Breakdown

Annual Quarterly

No Enough Data

AAPL

Cashflow Statement Breakdown

Annual Quarterly

No Enough Data

Historical Operating Revenue by Business Segment

Value % YoY

Historical Operating Revenue by Geographic Region

Value % YoY

See Details

5-Step DuPont Analysis as of

Annual Quarterly

No Enough Data

Guru Trades

See Details

Insider Trades

See Details

Gurus Latest Trades with OTCPK:CZBC

No Available Data

Peter Lynch Chart

Y-axis scale:

Log Linear

Interactive Chart

Performance

Dividend

Log

Bar

Annualized Return %

Symbol	1 Week	1 Month	3 Months	6 Months	YTD	1 Year	3 Years	5 Years	10 Years

Total Annual Return %

Symbol	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015

Citizens Bancorp Executives

Details

GF Value: $11.8

CZBC

Valuation Chart

Year:

Warning Signs

Warning! GuruFocus detected 1 Severe warning sign with CZBC. Try a 7-Day Free Trial to check it out.

Analyst Estimate

Annual Quarterly

Key Statistics

	Name	Value
	Revenue (TTM) (Mil $)	31.328
	EPS (TTM) ($)	0.69
	Beta	0.13
	Volatility %	17.65
	14-Day RSI	21.11
	14-Day ATR ($)	0.018251
	20-Day SMA ($)	10.456
	12-1 Month Momentum %	-11.69
	52-Week Range ($)	10.02 - 12.5
	Shares Outstanding (Mil)	5.57

Piotroski F-Score Details

Year:

	Component	Result
	Piotroski F-Score	7
	Positive ROA
	Positive CFROA
	Higher ROA yoy
	CFROA > ROA
	Lower Leverage yoy
	Higher Current Ratio yoy
	Less Shares Outstanding yoy
	Higher Gross Margin yoy
	Higher Asset Turnover yoy

Citizens Bancorp Filings

10-K10-QForm 4Others

	Filing Date	Document Date	Form
No Filing Data

Citizens Bancorp Stock Events

Financials Calendars

	Event	Date	Price($)
No Event Data

Citizens Bancorp Frequently Asked Questions

What is Citizens Bancorp(CZBC)'s stock price today?

The current price of CZBC is $10.44. The 52 week high of CZBC is $12.50 and 52 week low is $10.02.

When is next earnings date of Citizens Bancorp(CZBC)?

The next earnings date of Citizens Bancorp(CZBC) is 2025-02-01 Est..

Does Citizens Bancorp(CZBC) pay dividends? If so, how much?

The Dividend Yield % of Citizens Bancorp(CZBC) is 3.35% (As of Today), Highest Dividend Payout Ratio of Citizens Bancorp(CZBC) was 0.52. The lowest was 0.28. And the median was 0.34. The Forward Dividend Yield % of Citizens Bancorp(CZBC) is 3.07%. For more information regarding to dividend, please check our Dividend Page.

Press Release

	Subject	Date
No Press Release

Headlines

No news.

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