Citizens Bancorp Valuation

Is CZBC undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

2/6

Valuation Score 2/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of CZBC when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: CZBC ($10.44) is trading below our estimate of fair value ($21.13)

Significantly Below Fair Value: CZBC is trading below fair value by more than 20%.


Key Valuation Metric

Which metric is best to use when looking at relative valuation for CZBC?

Key metric: As CZBC is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for CZBC. This is calculated by dividing CZBC's market cap by their current earnings.
What is CZBC's PE Ratio?
PE Ratio15.7x
EarningsUS$3.72m
Market CapUS$58.53m

Price to Earnings Ratio vs Peers

How does CZBC's PE Ratio compare to its peers?

The above table shows the PE ratio for CZBC vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average13.9x
UWHR Uwharrie Capital
6.4xn/aUS$58.5m
CPBI Central Plains Bancshares
16.2xn/aUS$59.1m
FSMK 1ST SUMMIT BANCORP of Johnstown
22.9xn/aUS$60.6m
BKOR Oak Ridge Financial Services
10.1xn/aUS$56.1m
CZBC Citizens Bancorp
15.7xn/aUS$58.5m

Price-To-Earnings vs Peers: CZBC is expensive based on its Price-To-Earnings Ratio (15.7x) compared to the peer average (13.9x).


Price to Earnings Ratio vs Industry

How does CZBC's PE Ratio compare vs other companies in the US Banks Industry?

4 CompaniesPrice / EarningsEstimated GrowthMarket Cap
FRCB First Republic Bank
0.02xn/aUS$27.98m
BKGM BankGuam Holding
1xn/aUS$18.48m
SBNY Signature Bank
0.002xn/aUS$2.18m
BCBH.F Caribbean Investment Holdings
0.00001xn/aUS$132.00
No more companies available in this PE range
CZBC 15.7xIndustry Avg. 13.3xNo. of Companies93PE0816243240+
4 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: CZBC is expensive based on its Price-To-Earnings Ratio (15.7x) compared to the US Banks industry average (13.3x).


Price to Earnings Ratio vs Fair Ratio

What is CZBC's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

CZBC PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio15.7x
Fair PE Ration/a

Price-To-Earnings vs Fair Ratio: Insufficient data to calculate CZBC's Price-To-Earnings Fair Ratio for valuation analysis.


Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

Analyst Forecast: Insufficient data to show price forecast.


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