Citizens Bancorp (CZBC) Stock Overview

Operates as the bank holding company for Citizens Bank that provides various banking products and services to small to medium-sized businesses, professionals, and individuals. More details

CZBC fundamental analysis
Snowflake Score
Valuation	1/6
Future Growth	0/6
Past Performance	1/6
Financial Health	6/6
Dividends	2/6

Rewards

Trading at 11.7% below our estimate of its fair value

Risk Analysis

Earnings have declined by 15.8% per year over past 5 years

Profit margins (7.2%) are lower than last year (12.1%)

Unstable dividend track record

Does not have a meaningful market cap ($57M)

CZBC Community Fair Values

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Citizens Bancorp Competitors

Price History & Performance

Summary of share price highs, lows and changes for Citizens Bancorp
Historical stock prices
Current Share Price	US$10.15
52 Week High	US$10.34
52 Week Low	US$9.42
Beta	0.11
1 Month Change	3.05%
3 Month Change	2.68%
1 Year Change	0.099%
3 Year Change	-13.40%
5 Year Change	-34.52%
Change since IPO	-18.12%

Recent News & Updates

No updates

Recent updates

No updates

Shareholder Returns

	CZBC	US Banks	US Market
7D	0.5%	-1.0%	-0.5%
1Y	0.1%	26.6%	16.9%

Return vs Industry: CZBC underperformed the US Banks industry which returned 26.6% over the past year.

Return vs Market: CZBC underperformed the US Market which returned 16.9% over the past year.

Price Volatility

Is CZBC's price volatile compared to industry and market?
CZBC volatility
CZBC Average Weekly Movement	2.5%
Banks Industry Average Movement	3.8%
Market Average Movement	6.4%
10% most volatile stocks in US Market	16.4%
10% least volatile stocks in US Market	2.9%

Stable Share Price: CZBC has not had significant price volatility in the past 3 months compared to the US market.

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

About the Company

Founded	Employees	CEO	Website
1957	n/a	K. Zimmerman	www.citizensebank.com

Citizens Bancorp operates as the bank holding company for Citizens Bank that provides various banking products and services to small to medium-sized businesses, professionals, and individuals. It offers checking, individual retirement, savings, money market, and time deposit accounts; and certificates of deposit (CD). The company offers commercial real estate, agriculture and agribusiness, and commercial and business loans; government guaranteed lending; personal lines of credit; reverse credit lines; and savings or CD secured, property improvement, auto/recreational vehicle, and other personal loans.

Citizens Bancorp Fundamentals Summary

How do Citizens Bancorp's earnings and revenue compare to its market cap?
CZBC fundamental statistics
Market cap	US$57.08m
Earnings (TTM)	US$2.10m
Revenue (TTM)	US$29.14m

27.1x

P/E Ratio

0.7x

P/B Ratio

Is CZBC overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
CZBC income statement (TTM)
Revenue	US$29.14m
Cost of Revenue	US$0
Gross Profit	US$29.14m
Other Expenses	US$27.04m
Earnings	US$2.10m

Last Reported Earnings

Sep 30, 2025

Next Earnings Date

n/a

Earnings per share (EPS)	0.37
Gross Margin	100.00%
Net Profit Margin	7.22%
Debt/Equity Ratio	38.2%

How did CZBC perform over the long term?

See historical performance and comparison

Dividends

2.0%

Current Dividend Yield

57%

Payout Ratio

Does CZBC pay a reliable dividends?

See CZBC dividend history and benchmarks

When do you need to buy CZBC by to receive an upcoming dividend?
Citizens Bancorp dividend dates
Ex Dividend Date	Dec 12 2025
Dividend Pay Date	Jan 09 2026
Days until Ex dividend	20 days
Days until Dividend pay date	8 days

Does CZBC pay a reliable dividends?

See CZBC dividend history and benchmarks

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/12/31 20:42
End of Day Share Price	2025/12/29 00:00
Earnings	2025/09/30
Annual Earnings	2024/12/31

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 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.