Citizens Bancorp Investment, Inc. (CBTN)
Full history for every metric is available with a Kvantra account
No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 39 | 55 | 57 | 52 | 19 | 68 | 54 | - |
| Operating profit | $m | 27 | 22 | ||||||
| Net profit | $m | 11 | 17 | 19 | 15 | 16 | 21 | 18 | - |
| EPS reported | $ | 3.59 | 2.98 | ||||||
| Operating cashflow per share | $ | 4.16 | 0.00 | ||||||
| Capex per share | $ | 0.21 | 0.00 | ||||||
| FCF per share | $ | 3.96 | 0.00 | ||||||
| Free cash flow | $m | 23 | - | ||||||
| Net debt | $m | -314 | -372 | ||||||
| Book value equity | $m | 175 | 183 | ||||||
| Book value per share | $ | 29.47 | 30.48 | ||||||
| Number of shares | m | 5.95 | 5.99 | ||||||
| DPS (TTM paid) | $ | 0.76 | 0.79 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 8.44 | - | ||||||
| P/B LTM | x | 1.02 | 0.98 | ||||||
| P/S LTM | x | 2.64 | 3.33 | ||||||
| P/FCF LTM | x | 7.66 | 0.00 | ||||||
| EV/EBITDA LTM | x | 9.35 | 12.24 | ||||||
| EV/Sales LTM | x | 2.52 | 2.28 | ||||||
| Earnings Yield LTM | % | +11.85% | +11.01% | ||||||
| FCF Yield | % | +13.05% | 0.00% | ||||||
| Quality | |||||||||
| ROE | % | +12.19% | +13.34% | ||||||
| ROIC | % | +6.88% | +7.61% | ||||||
| Operating margin | % | +25.72% | +26.50% | ||||||
| Gross margin | % | +63.35% | +64.04% | ||||||
| FCF/Sales | % | +22.37% | 0.00% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +31.50% | +9.16% | ||||||
| Sales Growth YoY | % | +262.12% | +186.82% | ||||||
| Net Income Growth YoY | % | +31.67% | +9.56% | ||||||
| FCF Growth | % | - | - | ||||||
| Operating Profit Growth | % | -51.04% | -60.73% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +2.50% | +2.23% | ||||||
| Dividend Growth | % | +5.56% | +9.72% | ||||||
| Payout Ratio | % | +20.99% | +20.98% | ||||||
| FCF/Debt | x | 0.19 | - | ||||||
| Net Debt/EBITDA | x | 3.00 | 1.24 | ||||||
| EBIT/Net interest | x | 0.74 | 0.78 | ||||||
| Net debt/market cap | % | +69.34% | +53.40% | ||||||
| Net debt/Equity | x | -1.79 | -2.04 | ||||||
| Gross debt/equity | x | 0.71 | 0.61 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
Citizens Bancorp Investment, Inc. is a Tennessee-based financial institution offering a comprehensive range of banking and financial services. Its core offerings include essential deposit accounts like checking and savings, alongside certificates of deposit (CDs) and individual retirement accounts (IRAs). Clients also benefit from modern conveniences such as credit and debit cards, overdraft facilities, instant transaction processing, and accessible digital banking through online and mobile platforms. The company further provides tailored cash management and various personal and business solutions designed for both individual and commercial customers. Beyond these, the institution facilitates diverse lending options, including personal, mortgage, construction, agricultural, commercial, and officers' loans. Wealth management services are also a key component of their portfolio. With a network of 22 banking offices, the company predominantly serves Bedford, Clay, Coffee, DeKalb, Franklin, Jackson, Macon, Overton, Putnam, Smith, Sumner, and Wilson counties, as well as neighboring areas throughout Middle Tennessee. Citizens Bancorp Investment, Inc. was founded in 1909 and is headquartered in Lafayette, Tennessee.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Citizens Bancorp Investment, Inc. (CBTN)
No price history available.
Not enough data to calculate KvantraRank
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
Citizens Bancorp Investment, Inc. is a Tennessee-based financial institution offering a comprehensive range of banking and financial services. Its core offerings include essential deposit accounts like checking and savings, alongside certificates of deposit (CDs) and individual retirement accounts (IRAs). Clients also benefit from modern conveniences such as credit and debit cards, overdraft facilities, instant transaction processing, and accessible digital banking through online and mobile platforms. The company further provides tailored cash management and various personal and business solutions designed for both individual and commercial customers. Beyond these, the institution facilitates diverse lending options, including personal, mortgage, construction, agricultural, commercial, and officers' loans. Wealth management services are also a key component of their portfolio. With a network of 22 banking offices, the company predominantly serves Bedford, Clay, Coffee, DeKalb, Franklin, Jackson, Macon, Overton, Putnam, Smith, Sumner, and Wilson counties, as well as neighboring areas throughout Middle Tennessee. Citizens Bancorp Investment, Inc. was founded in 1909 and is headquartered in Lafayette, Tennessee.
Unlock all fundamental data
Sign up for FreeUnlock all fundamental data
Sign up for Free