How does FSDK's PB Ratio compare to its peers?

Insufficient data to calculate FSDK's Price-To-Book Ratio vs. peers for valuation analysis.

How does FSDK's PB Ratio compare vs other companies in the US Banks Industry?

Insufficient data to calculate FSDK's Price-To-Book Ratio vs. industry for valuation analysis.

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

Insufficient data to calculate FSDK's Price-To-Book Fair Ratio for valuation analysis.

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

Insufficient data to calculate FSDK's fair value for valuation analysis.

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

Insufficient data to show price forecast.

FSDK Stock Overview

Provides personal and business banking products and services. More details

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

Risk Analysis

Shares are highly illiquid

Has not reported any financial data

Does not have a meaningful market cap ($21M)

My Notes

Capture your thoughts, links and company narrative

The First Citizens National Bank of Upper Sandusky Competitors

Mauch Chunk Trust Financial

OTCPK:MCHT

US$22.0m

Grand River Commerce

OTCPK:GNRV

US$20.1m

Victory Bancorp

OTCPK:VTYB

US$21.8m

First Sound Bank

OTCPK:FSWA

US$21.5m

Price History & Performance

Summary of share price highs, lows and changes for First Citizens National Bank of Upper Sandusky
Historical stock prices
Current Share Price	US$64.20
52 Week High	US$66.00
52 Week Low	US$64.20
Beta	0
1 Month Change	n/a
3 Month Change	n/a
1 Year Change	n/a
3 Year Change	-11.37%
5 Year Change	-41.64%
Change since IPO	237.89%

Recent News & Updates

No updates

Recent updates

No updates

Shareholder Returns

	FSDK	US Banks	US Market
7D	0%	-1.8%	-2.1%
1Y	n/a	30.3%	21.3%

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

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

Price Volatility

Is FSDK's price volatile compared to industry and market?
FSDK volatility
FSDK Average Weekly Movement	n/a
Banks Industry Average Movement	5.2%
Market Average Movement	6.4%
10% most volatile stocks in US Market	18.8%
10% least volatile stocks in US Market	3.2%

Stable Share Price: FSDK's share price has been volatile over the past 3 months compared to the US market.

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

About the Company

Founded	Employees	CEO	Website
1860	n/a	Mark Johnson	www.firstcitizensnational.com

The First Citizens National Bank of Upper Sandusky provides personal and business banking products and services. The company offers checking, savings, money market, certificates of deposit, health savings, and individual retirement accounts; and home mortgage loans, home equity loans, home equity lines of credit, auto loans, cash reserve loans, personal loans, and business and agriculture loans, as well as credit and debit cards. It also provides online and mobile banking, telephone banking, check reorder, remote deposit capture, wire transfer, foreign currency exchange, safe deposit boxes, notary, overdraft protection, estatements, overdraft protection, cash management, and investment services.

The First Citizens National Bank of Upper Sandusky Fundamentals Summary

How do First Citizens National Bank of Upper Sandusky's earnings and revenue compare to its market cap?
FSDK fundamental statistics
Market cap	US$20.60m
Earnings (TTM)	US$0
Revenue (TTM)	n/a

n/a

P/E Ratio

n/a

P/S Ratio

Is FSDK overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

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

Last Reported Earnings

n/a

Next Earnings Date

n/a

Earnings per share (EPS)	0
Gross Margin	0.00%
Net Profit Margin	0.00%
Debt/Equity Ratio	0.0%

How did FSDK perform over the long term?

See historical performance and comparison

Dividends

3.7%

Current Dividend Yield

n/a

Payout Ratio

Does FSDK pay a reliable dividends?

See FSDK dividend history and benchmarks

When do you need to buy FSDK by to receive an upcoming dividend?
First Citizens National Bank of Upper Sandusky dividend dates
Ex Dividend Date	Dec 31 2024
Dividend Pay Date	Jan 15 2025
Days until Ex dividend	12 days
Days until Dividend pay date	3 days

Does FSDK pay a reliable dividends?

See FSDK dividend history and benchmarks

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/01/10 13:46
End of Day Share Price	2024/12/24 00:00
Earnings	N/A
Annual Earnings	N/A

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 here.

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 .

Analyst Sources

The First Citizens National Bank of Upper Sandusky 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.

Analyst	Institution