OTC · Banks - Regional

Citizens Bancorp Investment, Inc. (CBTN) Stock

$36.00 +0.56% OTC: CBTN Financial Services

Citizens Bancorp Investment, Inc. is a Tennessee-based financial institution offering a comprehensive range of banking and financial services.

Valuation

MetricValue
Price$36.00
Market Cap$213.19M
P/E Ratio9.81
P/B Ratio1.19
P/S Ratio2.03
EPS (TTM)$3.67
52-Week High$37.65
52-Week Low$28.00
Dividend Yield2.22%

Financials & Margins

MetricValue
ROE13.34%
ROA1.26%
ROCE9.37%
Gross Margin63.50%
Operating Margin25.51%
Net Margin20.64%
Debt/Equity0.50
Current Ratio0.31

Annual Financials (USD)

Metric20212022202320242025
Revenue$61.0M$63.0M$76.0M$55.0M$105.0M
Operating Profit$21.0M$23.0M$18.0M$55.0M$27.0M
Net Profit$17.0M$19.0M$15.0M$16.0M$21.0M
EPS$2.80$3.11$2.45$2.73$3.59
Op Margin34.3%36.9%23.5%100.0%25.7%

Balance Sheet (USD)

Metric20212022202320242025
Total Assets$1.5B$1.5B$1.6B$1.7B$1.8B
Total Liabilities$1.3B$1.4B$1.4B$1.5B$1.6B
Cash$234.0M$25.0M$43.0M$23.0M$40.0M
Borrowings$37.0M$153.0M$74.0M$141.0M$124.0M

Cash Flow (USD)

Metric20212022202320242025
Operating Cash Flow$19.0M$20.0M$16.0M$0$25.0M
Investing Cash Flow$-111.0M$-252.0M$-40.0M$0$-68.0M
Financing Cash Flow$154.0M$-19.0M$52.0M$0$77.0M
Net Cash Flow$41.0M$-209.0M$17.0M$0$14.0M
Free Cash Flow$18.0M$20.0M$15.0M$0$23.0M

Valuation & Return Ratios

MetricValue
PEG Ratio-6.36
EV / EBITDA
FCF Yield
Quick Ratio
Interest Coverage
Return 1Y31.85%
Return 3Y14.18%
Return 5Y

Ownership

Insiders Held0.00%
Institutions Held0.06%
Institutions Float Held0.06%
Institutional HolderSharesReport Date
Siena Capital Partners GP, LLC2,8672026-03-31

Peer Comparison

TickerPriceChangeP/EMarket CapDiv Yield
CCFNMuncy Columbia Financial Corporation $28.74 -0.21% 11.30 $305.00M 2.16%
FFMHFirst Farmers and Merchants Corporation $59.00 +0.00% 11.99 $233.63M 1.97%
FIEBFirst IC Corporation $20.49 +0.00% 7.53 $185.84M 0.00%
FXLGFS Bancorp $48.25 +0.00% 8.79 $199.35M 2.90%
HONTHonat Bancorp, Inc. $140.50 +0.90% 11.56 $201.01M 2.14%

About Citizens Bancorp Investment, Inc.

Citizens Bancorp Investment, Inc. is a Tennessee-based financial institution offering a comprehensive range of banking and financial services. Its core offerings include essential deposit accounts like checking and savings, alongside certificates of deposit (CDs) and individual retirement accounts (IRAs). Clients also benefit from modern conveniences such as credit and debit cards, overdraft facilities, instant transaction processing, and accessible digital banking through online and mobile platforms. The company further provides tailored cash management and various personal and business solutions designed for both individual and commercial customers. Beyond these, the institution facilitates diverse lending options, including personal, mortgage, construction, agricultural, commercial, and officers' loans. Wealth management services are also a key component of their portfolio. With a network of 22 banking offices, the company predominantly serves Bedford, Clay, Coffee, DeKalb, Franklin, Jackson, Macon, Overton, Putnam, Smith, Sumner, and Wilson counties, as well as neighboring areas throughout Middle Tennessee. Citizens Bancorp Investment, Inc. was founded in 1909 and is headquartered in Lafayette, Tennessee.

Citizens Bancorp Investment, Inc. is headquartered in US.

Citizens Bancorp Investment, Inc. (CBTN) stock trades at $36.00 with a market capitalization of $213.19M. The stock is valued at a price-to-earnings (P/E) ratio of 9.81, price-to-book of 1.19, price-to-sales of 2.03. Over the past 52 weeks the stock has ranged between $28.00 and $37.65, and currently trades 4.4% below its 52-week high. It pays a dividend yielding 2.22%.

On profitability, Citizens Bancorp Investment, Inc. generates a return on equity (ROE) of 13.34%, above the typical market average, return on capital employed of 9.37%, an operating margin of 25.51%, a net profit margin of 20.64%.

Official website: www.wellworth.bank

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