OTC · Banks - Regional

Citizens Bancorp (CZBC) Stock

$15.51 +3.19% OTC: CZBC Financial Services

Citizens Bancorp, the parent company of Citizens Bank, delivers a comprehensive array of financial products and services catering to both individual consumers and corporate clients. Its offerings include various checking and savings accounts for personal and business use.

Valuation

MetricValue
Price$15.51
Market Cap$87.23M
P/E Ratio35.09
P/B Ratio1.09
P/S Ratio2.56
EPS (TTM)$0.44
52-Week High$16.00
52-Week Low$9.42
Dividend Yield1.29%

Financials & Margins

MetricValue
ROE3.03%
ROA0.32%
ROCE2.25%
Gross Margin86.92%
Operating Margin8.22%
Net Margin7.59%
Debt/Equity0.31
Current Ratio0.11

Annual Financials (USD)

Metric20212022202320242025
Revenue$30.0M$33.0M$40.0M$39.0M$33.0M
Operating Profit$14.0M$12.0M$8.0M$4.0M$3.0M
Net Profit$10.0M$9.0M$6.0M$3.0M$2.0M
EPS$1.73$1.52$1.03$0.57$0.42
Op Margin44.9%36.8%19.7%10.7%8.0%

Balance Sheet (USD)

Metric20212022202320242025
Total Assets$1.1B$1.1B$1.0B$807.0M$833.0M
Total Liabilities$972.0M$996.0M$948.0M$734.0M$746.0M
Cash$115.0M$156.0M$162.0M$48.0M$13.0M
Borrowings$0$0$180.0M$0$27.0M

Cash Flow (USD)

Metric20212022202320242025
Operating Cash Flow$11.0M$14.0M$13.0M$3.0M$8.0M
Investing Cash Flow$-176.0M$5.0M$48.0M$94.0M$15.0M
Financing Cash Flow$83.0M$39.0M$-214.0M$-50.0M$-1.0M
Net Cash Flow$-81.0M$40.0M$6.0M$-114.0M$0
Free Cash Flow$11.0M$13.0M$12.0M$2.0M$7.0M

Valuation & Return Ratios

MetricValue
PEG Ratio-2.28
EV / EBITDA
FCF Yield
Quick Ratio
Interest Coverage
Return 1Y59.22%
Return 3Y43.64%
Return 5Y

Ownership

Insiders Held0.00%
Institutions Held1.82%
Institutions Float Held1.82%
Institutional HolderSharesReport Date
Siena Capital Partners GP, LLC102,2582026-03-31

Peer Comparison

TickerPriceChangeP/EMarket CapDiv Yield
BBBKBaker Boyer Bancorp $42.50 +0.00% 15.74 $56.06M 5.18%
CBWACommencement Bancorp Inc. $18.70 +0.54% 9.89 $70.45M 0.00%
CCBCChino Commercial Bancorp $17.70 -0.28% 9.27 $56.85M 0.00%
FRSBFirst Resource Bancorp Inc. $25.76 +0.35% 7.88 $79.49M 0.54%
HBSIHighlands Bankshares, Inc. $48.00 +0.52% 10.06 $64.18M 4.00%

About Citizens Bancorp

Citizens Bancorp, the parent company of Citizens Bank, delivers a comprehensive array of financial products and services catering to both individual consumers and corporate clients. Its offerings include various checking and savings accounts for personal and business use. The institution provides diverse lending solutions, such as consumer loans like personal lines of credit, credit cards, loans secured by deposits, home equity lines, financing for property enhancements, and vehicle loans (for automobiles and recreational vehicles). For businesses, it extends credit through real estate loans, agricultural financing, equipment and inventory loans, working capital lines, letters of credit, and government-backed programs. Residential mortgage options are also available. Furthermore, Citizens Bank offers modern banking conveniences, including online and mobile banking platforms, merchant services, bill payment, check ordering, and remote deposit capture. The company operates 15 branches situated across Benton, Clackamas, Lane, Linn, Marion, Polk, Washington, and Yamhill counties within Oregon. Founded in 1957, Citizens Bancorp maintains its primary office in Corvallis, Oregon.

Citizens Bancorp is headquartered in US.

Citizens Bancorp (CZBC) stock trades at $15.51 with a market capitalization of $87.23M. The stock is valued at a price-to-earnings (P/E) ratio of 35.09, price-to-book of 1.09, price-to-sales of 2.56. Over the past 52 weeks the stock has ranged between $9.42 and $16.00, and currently trades 3.1% below its 52-week high. It pays a dividend yielding 1.29%.

On profitability, Citizens Bancorp generates a return on equity (ROE) of 3.03%, return on capital employed of 2.25%, an operating margin of 8.22%, a net profit margin of 7.59%.

Official website: www.citizensebank.com

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