CBTN Stock Overview

Provides various banking products and services in Tennessee. More details

CBTN fundamental analysis
Snowflake Score
Valuation	0/6
Future Growth	0/6
Past Performance	0/6
Financial Health	0/6
Dividends	1/6

Risk Analysis

Latest financial reports are more than a year old

Shares are highly illiquid

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Citizens Bancorp Investment, Inc. Competitors

United Security Bancshares

NasdaqGS:UBFO

US$170.8m

BV Financial

NasdaqCM:BVFL

US$171.8m

BCB Bancorp

NasdaqGM:BCBP

US$169.8m

STAR Financial Group

OTCPK:SFIG.A

US$172.6m

Price History & Performance

Summary of share price highs, lows and changes for Citizens Bancorp Investment
Historical stock prices
Current Share Price	US$29.00
52 Week High	US$36.00
52 Week Low	US$21.76
Beta	0
1 Month Change	0%
3 Month Change	16.00%
1 Year Change	n/a
3 Year Change	-35.56%
5 Year Change	n/a
Change since IPO	-39.58%

Recent News & Updates

No updates

Recent updates

No updates

Shareholder Returns

	CBTN	US Banks	US Market
7D	-6.5%	-4.4%	-2.2%
1Y	n/a	33.4%	18.3%

Return vs Industry: Insufficient data to determine how CBTN performed against the US Banks industry.

Return vs Market: Insufficient data to determine how CBTN performed against the US Market.

Price Volatility

Is CBTN's price volatile compared to industry and market?
CBTN volatility
CBTN Average Weekly Movement	n/a
Banks Industry Average Movement	3.9%
Market Average Movement	6.0%
10% most volatile stocks in US Market	17.8%
10% least volatile stocks in US Market	3.1%

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

Founded	Employees	CEO	Website
1909	n/a	Pete Williston	www.citizens-bank.org

Citizens Bancorp Investment, Inc. provides various banking products and services in Tennessee. The company offers checking and savings accounts, certificates of deposits and individual retirement accounts, credit and debit cards, overdrafts, real-time processing, 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, as well as wealth management services.

Citizens Bancorp Investment, Inc. Fundamentals Summary

How do Citizens Bancorp Investment's earnings and revenue compare to its market cap?
CBTN fundamental statistics
Market cap	US$171.12m
Earnings (TTM)	US$18.64m
Revenue (TTM)	US$55.24m

0.0x

P/E Ratio

0.0x

P/B Ratio

Is CBTN overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
CBTN income statement (TTM)
Revenue	US$55.24m
Cost of Revenue	US$0
Gross Profit	US$55.24m
Other Expenses	US$36.60m
Earnings	US$18.64m

Last Reported Earnings

Dec 31, 2022

Next Earnings Date

n/a

Earnings per share (EPS)	0
Gross Margin	0.00%
Net Profit Margin	0.00%
Debt/Equity Ratio	0.0%

How did CBTN perform over the long term?

See historical performance and comparison

Dividends

2.5%

Current Dividend Yield

n/a

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/02/23 19:45
End of Day Share Price	2025/02/21 00:00
Earnings	2022/12/31
Annual Earnings	2022/12/31

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.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* 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.