Citizens Bancorp (OTCPK:CZBC) - Stock Price, News & Analysis

CZBC Stock Overview

Operates as the bank holding company for Citizens Bank that engages in the provision of various banking products and services to individuals and businesses. More details

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

Rewards

Trading at 50.6% below our estimate of its fair value

Risk Analysis

Earnings have declined by 6.7% per year over past 5 years

Shares are highly illiquid

Does not have a meaningful market cap ($59M)

Profit margins (12.1%) are lower than last year (19.7%)

+ 1 more risk

Citizens Bancorp Competitors

Uwharrie Capital

OTCPK:UWHR

US$59.5m

Central Plains Bancshares

NasdaqCM:CPBI

US$59.7m

1ST SUMMIT BANCORP of Johnstown

OTCPK:FSMK

US$60.6m

Oak Ridge Financial Services

OTCPK:BKOR

US$56.9m

Price History & Performance

Summary of all time highs, changes and price drops for Citizens Bancorp
Historical stock prices
Current Share Price	US$10.44
52 Week High	US$12.50
52 Week Low	US$10.02
Beta	0.33
11 Month Change	-0.57%
3 Month Change	-2.70%
1 Year Change	n/a
33 Year Change	-37.49%
5 Year Change	-43.60%
Change since IPO	-15.78%

Recent News & Updates

No updates

Recent updates

No updates

Shareholder Returns

	CZBC	US Banks	US Market
7D	0%	3.5%	2.0%
1Y	n/a	59.4%	32.4%

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

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

Price Volatility

Is CZBC's price volatile compared to industry and market?
CZBC volatility
CZBC Average Weekly Movement	n/a
Banks Industry Average Movement	5.1%
Market Average Movement	6.3%
10% most volatile stocks in US Market	15.9%
10% least volatile stocks in US Market	3.1%

Stable Share Price: CZBC's share price has been volatile over 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 engages in the provision of various banking products and services to individuals and businesses. It provides deposit services, which includes checking, savings, money market, and time deposit accounts; lending services comprising commercial and consumer loans; and technology products, such as internet banking, online bill pay, and mobile banking services. The company was founded in 1957 and is headquartered in Corvallis, Oregon.

Citizens Bancorp Fundamentals Summary

How do Citizens Bancorp's earnings and revenue compare to its market cap?
CZBC fundamental statistics
Market cap	US$58.53m
Earnings (TTM)	US$3.72m
Revenue (TTM)	US$30.84m

15.7x

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$30.84m
Cost of Revenue	US$0
Gross Profit	US$30.84m
Other Expenses	US$27.11m
Earnings	US$3.72m

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	0.66
Gross Margin	100.00%
Net Profit Margin	12.08%
Debt/Equity Ratio	24.6%

How did CZBC perform over the long term?

See historical performance and comparison

Dividends

3.4%

Current Dividend Yield

34%

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 13 2024
Dividend Pay Date	Jan 10 2025
Days until Ex dividend	15 days
Days until Dividend pay date	43 days

Does CZBC pay a reliable dividends?

See CZBC dividend history and benchmarks