Citizens Bancorp Past Earnings Performance
Past criteria checks 1/6
Citizens Bancorp's earnings have been declining at an average annual rate of -6.7%, while the Banks industry saw earnings growing at 7.1% annually. Revenues have been growing at an average rate of 3.5% per year. Citizens Bancorp's return on equity is 4.9%, and it has net margins of 12.1%.
Key information
-6.7%
Earnings growth rate
-6.9%
EPS growth rate
| Banks Industry Growth | 11.2% |
| Revenue growth rate | 3.5% |
| Return on equity | 4.9% |
| Net Margin | 12.1% |
| Last Earnings Update | 30 Sep 2024 |
Recent past performance updates
No updates
Recent updates
No updates
Revenue & Expenses Breakdown
How Citizens Bancorp makes and spends money. Based on latest reported earnings, on an LTM basis.
Earnings and Revenue History
| Date | Revenue | Earnings | G+A Expenses | R&D Expenses |
|---|---|---|---|---|
| 30 Sep 24 | 31 | 4 | 23 | 0 |
| 30 Jun 24 | 32 | 4 | 23 | 0 |
| 31 Mar 24 | 32 | 5 | 22 | 0 |
| 31 Dec 23 | 33 | 6 | 22 | 0 |
| 30 Sep 23 | 34 | 7 | 22 | 0 |
| 30 Jun 23 | 36 | 9 | 21 | 0 |
| 31 Mar 23 | 36 | 9 | 21 | 0 |
| 31 Dec 22 | 35 | 9 | 20 | 0 |
| 30 Sep 22 | 32 | 7 | 20 | 0 |
| 30 Jun 22 | 31 | 6 | 19 | 0 |
| 31 Mar 22 | 34 | 9 | 19 | 0 |
| 31 Dec 21 | 34 | 10 | 18 | 0 |
| 30 Sep 21 | 35 | 11 | 18 | 0 |
| 30 Jun 21 | 33 | 10 | 18 | 0 |
| 31 Mar 21 | 26 | 6 | 16 | 0 |
| 31 Dec 20 | 24 | 4 | 16 | 0 |
| 30 Sep 20 | 24 | 4 | 16 | 0 |
| 30 Jun 20 | 25 | 5 | 16 | 0 |
| 31 Mar 20 | 29 | 7 | 17 | 0 |
| 31 Dec 19 | 33 | 10 | 17 | 0 |
| 30 Sep 19 | 32 | 10 | 16 | 0 |
| 30 Jun 19 | 32 | 10 | 16 | 0 |
| 31 Mar 19 | 31 | 9 | 16 | 0 |
| 31 Dec 18 | 30 | 9 | 15 | 0 |
| 30 Sep 18 | 29 | 7 | 15 | 0 |
| 30 Jun 18 | 28 | 6 | 15 | 0 |
| 31 Mar 18 | 27 | 6 | 15 | 0 |
| 31 Dec 17 | 27 | 5 | 15 | 0 |
| 30 Sep 17 | 26 | 6 | 14 | 0 |
| 30 Jun 17 | 25 | 5 | 14 | 0 |
| 31 Mar 17 | 24 | 5 | 14 | 0 |
| 31 Dec 16 | 24 | 5 | 14 | 0 |
| 31 Mar 16 | 21 | 4 | 14 | 0 |
| 31 Dec 15 | 21 | 3 | 14 | 0 |
| 31 Mar 15 | 22 | 4 | 13 | 0 |
| 31 Dec 14 | 21 | 4 | 13 | 0 |
| 30 Sep 14 | 21 | 4 | 13 | 0 |
| 30 Jun 14 | 21 | 4 | 13 | 0 |
| 31 Mar 14 | 20 | 3 | 13 | 0 |
| 31 Dec 13 | 21 | 4 | 13 | 0 |
Quality Earnings: CZBC has high quality earnings.
Growing Profit Margin: CZBC's current net profit margins (12.1%) are lower than last year (19.7%).
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: CZBC's earnings have declined by 6.7% per year over the past 5 years.
Accelerating Growth: CZBC's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: CZBC had negative earnings growth (-45.3%) over the past year, making it difficult to compare to the Banks industry average (-12.3%).
Return on Equity
High ROE: CZBC's Return on Equity (4.9%) is considered low.