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Citizens Bancorp Investment, Inc.OTCPK:CBTN Stock Report

Market Cap US$207.3m
Share Price
US$35.23
US$46.78
24.7% undervalued intrinsic discount
1Y23.6%
7D-0.4%
1D
Portfolio Value
View

Citizens Bancorp Investment, Inc.

OTCPK:CBTN Stock Report

Market Cap: US$207.3m

Citizens Bancorp Investment (CBTN) Stock Overview

Provides various banking products and services. More details

CBTN fundamental analysis
Snowflake Score
Valuation4/6
Future Growth0/6
Past Performance5/6
Financial Health4/6
Dividends2/6

CBTN Community Fair Values

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Citizens Bancorp Investment, Inc. Competitors

Price History & Performance

Summary of share price highs, lows and changes for Citizens Bancorp Investment
Historical stock prices
Current Share PriceUS$35.23
52 Week HighUS$37.65
52 Week LowUS$28.00
Beta0.14
1 Month Change3.00%
3 Month Changen/a
1 Year Change23.60%
3 Year Change-2.15%
5 Year Changen/a
Change since IPO-26.61%

Recent News & Updates

No updates

Recent updates

No updates

Shareholder Returns

CBTNUS BanksUS Market
7D-0.4%3.9%-4.1%
1Y23.6%21.7%20.6%

Return vs Industry: CBTN exceeded the US Banks industry which returned 21.5% over the past year.

Return vs Market: CBTN exceeded the US Market which returned 22.3% over the past year.

Price Volatility

Is CBTN's price volatile compared to industry and market?
CBTN volatility
CBTN Average Weekly Movementn/a
Banks Industry Average Movement3.3%
Market Average Movement7.2%
10% most volatile stocks in US Market16.6%
10% least volatile stocks in US Market3.1%

Stable Share Price: CBTN's share price has been volatile over the past 3 months compared to the US market.

Volatility Over Time: Insufficient data to determine CBTN's volatility change over the past year.

About the Company

FoundedEmployeesCEOWebsite
1909n/aRich Greslickwww.citizens-bank.org

Citizens Bancorp Investment, Inc. provides various banking products and services. The company offers checking and savings accounts, certificates of deposits and individual retirement accounts, credit and debit cards, overdrafts, real-time processing, credit card member, and online and mobile banking services, as well as cash management, and personal and business services for individuals and businesses. It also provides personal, mortgage, construction, agriculture, commercial, and officers loans.

Citizens Bancorp Investment, Inc. Fundamentals Summary

How do Citizens Bancorp Investment's earnings and revenue compare to its market cap?
CBTN fundamental statistics
Market capUS$207.27m
Earnings (TTM)US$21.38m
Revenue (TTM)US$66.35m
9.8x
P/E Ratio
1.2x
P/B Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
CBTN income statement (TTM)
RevenueUS$66.35m
Cost of RevenueUS$0
Gross ProfitUS$66.35m
Other ExpensesUS$44.97m
EarningsUS$21.38m

Last Reported Earnings

Dec 31, 2025

Next Earnings Date

n/a

Earnings per share (EPS)3.61
Gross Margin100.00%
Net Profit Margin32.23%
Debt/Equity Ratio71.0%

How did CBTN perform over the long term?

See historical performance and comparison

Dividends

2.3%
Current Dividend Yield
26%
Payout Ratio

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2026/06/10 18:35
End of Day Share Price 2026/06/10 00:00
Earnings2025/12/31
Annual Earnings2025/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

Citizens Bancorp Investment, Inc. is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.