OTCPK:CZNB

Stock Analysis Report

Citizens Bancorp (Nevada City CA)

Executive Summary

Citizens Bancorp completed the sale of substantially all the assets of Citizens Bank of Northern California to Tri Counties Bank, Inc.

Snowflake

Fundamentals

Weak fundamentals or lack of information.

Risks

  • Citizens Bancorp (Nevada City CA) has significant price volatility in the past 3 months.
  • Citizens Bancorp (Nevada City CA)'s last earnings update was 3111 days ago.
  • Citizens Bancorp (Nevada City CA) is not covered by any analysts.

Share Price & News

How has Citizens Bancorp (Nevada City CA)'s share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

0%

OTCPK:CZNB

3.3%

US Banks

2.1%

US Market


1 Year Return

-50.0%

OTCPK:CZNB

-13.8%

US Banks

-0.04%

US Market

CZNB underperformed the Banks industry which returned -14.8% over the past year.

CZNB underperformed the Market in United States of America which returned 0.2% over the past year.


Share holder returns

CZNBIndustryMarket
7 Day0%3.3%2.1%
30 Day-75.0%-7.0%-3.2%
90 Day0%-2.3%2.8%
1 Year-50.0%-50.0%-11.3%-13.8%2.2%-0.04%
3 Year-16.7%-16.7%42.5%32.7%41.5%32.3%
5 Year-16.7%-16.7%54.2%37.6%55.0%37.8%

Price Volatility Vs. Market

How volatile is Citizens Bancorp (Nevada City CA)'s share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is Citizens Bancorp (Nevada City CA) undervalued based on future cash flows and its price relative to the stock market?


In this section, we usually try to help investors determine whether Citizens Bancorp (Nevada City CA) is trading at an attractive price based on the cash flow it is expected to produce in the future. But as Citizens Bancorp (Nevada City CA) has not provided consistent financial data, and the stock also has no analyst forecast or coverage, its intrinsic value cannot be reliably calculated by extrapolating past data or using analyst consensus cash flow predictions.

This is quite a rare situation as 89% of companies covered by Simply Wall St do have a valuation analysis.


Next Steps

  • Take a look at our analysis of CZNB’s management and see if the CEO’s compensation is within a reasonable range, who is on the board and if insiders have been trading lately.
  • When valuing a company like this, investors focus more on how they perceive the size of the opportunity, the company's ability to deliver and scale, and the strength of the team. While we are not analysing this type of data at the moment, if you don’t know where to start, we recommend reading through Citizens Bancorp (Nevada City CA) regulatory filings here.
  • Explore potentially undervalued companies in the Banks industry.

Future Growth

How is Citizens Bancorp (Nevada City CA) expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

1.8%

Forecasted Banks industry annual growth in earnings


In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Citizens Bancorp (Nevada City CA) has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.

This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.


Next Steps

  • Take a look at our analysis of CZNB’s management and see if the CEO’s compensation is within a reasonable range, who is on the board and if insiders have been trading lately.
  • While we do not consider unaudited financials to be a reliable enough to include in our analysis, you can access them on the OTC Markets Website. If you are looking for more of a qualitative research into the company, you can access Citizens Bancorp (Nevada City CA)'s filings and announcements here.
  • Explore growth companies in the Banks industry.

Past Performance

How has Citizens Bancorp (Nevada City CA) performed over the past 5 years?

0.2%

Historical Banks annual earnings growth


In this section we usually display a company’s past earnings and revenues to help investors visualise the trend through time. We also gauge the company’s performance by benchmarking its returns and growth to its industry peers and the wider market. However, Citizens Bancorp (Nevada City CA) has not provided sufficient past data to assess its track record.

This is quite a rare situation as 97% of companies covered by Simply Wall St do have historical data.


Next Steps

Financial Health

How is Citizens Bancorp (Nevada City CA)'s financial position? (This company is analysed differently as a bank or financial institution)


In this section we usually analyse Citizens Bancorp (Nevada City CA)'s finance health to determine how well-positioned it is against times of financial distress, in particular, its ability to manage its cash and debt levels. Citizens Bancorp (Nevada City CA) has not provided adequate balance sheet data, its financial health cannot be properly assessed as it.

This is quite a rare situation as 97% of companies covered by Simply Wall St do have financial information.


Next Steps

  • Take a look at our analysis of CZNB’s management and see if the CEO’s compensation is within a reasonable range, who is on the board and if insiders have been trading lately.
  • Investors tend to look at the financial health of a company this size in order to assess the sustainability of its current operations. While we do not consider unaudited financials to be a reliable enough to include in our analysis, you can access them on the OTC Markets Website.
  • Financial health is measured at one point in time, so the latest financial report is the best representation of the company’s current financial status. Check when Citizens Bancorp (Nevada City CA)'s financial data was last updated here.
  • Explore more healthy companies in the Banks industry.

Dividend

What is Citizens Bancorp (Nevada City CA)'s current dividend yield, its reliability and sustainability?


Dividend Yield and Payments Analysis

Unable to evaluate Citizens Bancorp (Nevada City CA)'s dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.

Unable to evaluate Citizens Bancorp (Nevada City CA)'s dividend against the top 25% market benchmark as the company has not reported any payouts.

Unable to perform a dividend volatility check as Citizens Bancorp (Nevada City CA) has not reported any payouts.

Unable to verify if Citizens Bancorp (Nevada City CA)'s dividend has been increasing as the company has not reported any payouts.


Current Payout to Shareholders

Unable to calculate sustainability of dividends as Citizens Bancorp (Nevada City CA) has not reported any payouts.


Future Payout to Shareholders

Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.


Next Steps

Management

What is the CEO of Citizens Bancorp (Nevada City CA)'s salary, the management and board of directors tenure and is there insider trading?

24.6yrs

Average board tenure


CEO

Citizens Bancorp (Nevada City CA) has no CEO, or we have no data on them.


Board Age and Tenure

24.6yrs

Average Tenure

77yo

Average Age

The average tenure for the Citizens Bancorp (Nevada City CA) board of directors is over 10 years, this suggests they are a seasoned and experienced board.


Insider Trading

No 3 month open market individual insider trading information.


Management Team

  • Rena Rua (58yo)

    Assistant Vice President and Corporate Secretary

    • Tenure: 0.0yrs

Board Members

  • Gary Tintle (67yo)

    Director

    • Tenure: 24.6yrs
  • John Casey (81yo)

    Director

    • Tenure: 24.6yrs
    • Compensation: US$13.50k
  • Kenneth Baker (77yo)

    Chairman and Chairman of Citizens Bank of Northern California

    • Tenure: 9.2yrs

Company Information

Citizens Bancorp (Nevada City, CA)'s company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Citizens Bancorp (Nevada City, CA)
  • Ticker: CZNB
  • Exchange: OTCPK
  • Founded: 1995
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$23.350k
  • Shares outstanding: 2.34m
  • Website: https://www.citizensbanknc.com

Number of Employees


Location

  • Citizens Bancorp (Nevada City, CA)
  • 305 Railroad Avenue
  • PO Box 1420
  • Nevada City
  • California
  • 95959
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
CZNBOTCPK (Pink Sheets LLC)YesCommon SharesUSUSDMar 1996

Biography

Citizens Bancorp completed the sale of substantially all the assets of Citizens Bank of Northern California to Tri Counties Bank, Inc. in September 2011. Previously, Citizens Bank of Northern California pr ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/22 23:34
End of Day Share Price2019/08/08 00:00
Earnings2010/09/30
Annual Earnings2009/12/31


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 here.