Citizens Bancorp (CZBC)
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No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 30 | 30 | 33 | 33 | 30 | 29 | 30 | - |
| Operating profit | $m | 3 | 2 | ||||||
| Net profit | $m | 4 | 10 | 9 | 6 | 3 | 2 | 2 | - |
| EPS reported | $ | 0.42 | 0.37 | ||||||
| Operating cashflow per share | $ | 1.38 | 0.00 | ||||||
| Capex per share | $ | 0.06 | 0.00 | ||||||
| FCF per share | $ | 1.31 | 0.00 | ||||||
| Free cash flow | $m | 7 | 0 | ||||||
| Net debt | $m | 13 | 8 | ||||||
| Book value equity | $m | 88 | 87 | ||||||
| Book value per share | $ | 15.58 | 15.82 | ||||||
| Number of shares | m | 5.62 | 5.51 | ||||||
| DPS (TTM paid) | $ | 0.20 | 0.20 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 24.17 | 36.09 | ||||||
| P/B LTM | x | 0.65 | 0.65 | ||||||
| P/S LTM | x | 1.94 | 1.92 | ||||||
| P/FCF LTM | x | 7.72 | 0.00 | ||||||
| EV/EBITDA LTM | x | 21.24 | 31.38 | ||||||
| EV/Sales LTM | x | 2.11 | 2.90 | ||||||
| Earnings Yield LTM | % | +4.14% | +2.77% | ||||||
| FCF Yield | % | +12.95% | 0.00% | ||||||
| Quality | |||||||||
| ROE | % | +2.84% | +2.42% | ||||||
| ROIC | % | +0.30% | +0.26% | ||||||
| Operating margin | % | +7.99% | +6.61% | ||||||
| Gross margin | % | +86.94% | +84.99% | ||||||
| FCF/Sales | % | +22.10% | 0.00% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | -26.32% | -35.09% | ||||||
| Sales Growth YoY | % | -3.61% | -2.36% | ||||||
| Net Income Growth YoY | % | -26.24% | -37.50% | ||||||
| FCF Growth | % | +243.29% | -100.00% | ||||||
| Operating Profit Growth | % | -35.77% | -45.84% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +2.74% | +1.23% | ||||||
| Dividend Growth | % | -37.50% | -37.50% | ||||||
| Payout Ratio | % | +66.22% | 0.00% | ||||||
| FCF/Debt | x | 0.28 | 0.00 | ||||||
| Net Debt/EBITDA | x | 4.09 | 3.47 | ||||||
| EBIT/Net interest | x | 0.66 | 0.52 | ||||||
| Net debt/market cap | % | +45.45% | +25.04% | ||||||
| Net debt/Equity | x | 0.15 | 0.09 | ||||||
| Gross debt/equity | x | 0.30 | 0.26 | ||||||
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, the parent company of Citizens Bank, delivers a comprehensive array of financial products and services catering to both individual consumers and corporate clients. Its offerings include various checking and savings accounts for personal and business use. The institution provides diverse lending solutions, such as consumer loans like personal lines of credit, credit cards, loans secured by deposits, home equity lines, financing for property enhancements, and vehicle loans (for automobiles and recreational vehicles). For businesses, it extends credit through real estate loans, agricultural financing, equipment and inventory loans, working capital lines, letters of credit, and government-backed programs. Residential mortgage options are also available. Furthermore, Citizens Bank offers modern banking conveniences, including online and mobile banking platforms, merchant services, bill payment, check ordering, and remote deposit capture. The company operates 15 branches situated across Benton, Clackamas, Lane, Linn, Marion, Polk, Washington, and Yamhill counties within Oregon. Founded in 1957, Citizens Bancorp maintains its primary office in Corvallis, Oregon.
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.
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, the parent company of Citizens Bank, delivers a comprehensive array of financial products and services catering to both individual consumers and corporate clients. Its offerings include various checking and savings accounts for personal and business use. The institution provides diverse lending solutions, such as consumer loans like personal lines of credit, credit cards, loans secured by deposits, home equity lines, financing for property enhancements, and vehicle loans (for automobiles and recreational vehicles). For businesses, it extends credit through real estate loans, agricultural financing, equipment and inventory loans, working capital lines, letters of credit, and government-backed programs. Residential mortgage options are also available. Furthermore, Citizens Bank offers modern banking conveniences, including online and mobile banking platforms, merchant services, bill payment, check ordering, and remote deposit capture. The company operates 15 branches situated across Benton, Clackamas, Lane, Linn, Marion, Polk, Washington, and Yamhill counties within Oregon. Founded in 1957, Citizens Bancorp maintains its primary office in Corvallis, Oregon.
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