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COMPANY SUMMARY
Citizens Bancorp operates as the bank holding company for Citizens Bank that provides various banking products and services to small to medium-sized businesses, professionals, and individuals. It offers checking, individual retirement, savings, money market, and time deposit accounts; and certificates of deposit (CD). The company offers commercial real estate, agriculture and agribusiness, and commercial and business loans; government guaranteed lending; personal lines of credit; reverse credit lines; and savings or CD secured, home equity lines of credit, auto/recreational vehicle, and other personal loans. In addition, it provides order checks; credit cards; merchant, ACH origination, wire transfer, electronic federal tax payment, positive pay, internet and mobile banking, online bill pay, and remote deposit capture services. The company was founded in 1957 and is headquartered in Corvallis, Oregon.
Financial Summary
| Share Statistics | CZBC | Industry Median |
Percentile (All Stocks) |
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| Market Cap (Mil) | $87.8 | $716.9 | 21% |
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| Shares Out (Mil) | 4.7 | 15.7 | 13% |
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| Institutional Ownership | na | 83.0% | na |
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| Float (Mil) | 5.7 | 21.2 | 13% |
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| Beta | 0.08 | 0.48 | 8% |
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| Avg Daily Volume (000s) | 2 | 53 | 9% |
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| Price Change (52-week) |
26.2% | 96.7% | 66% |
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| Growth | CZBC | Industry Median |
Percentile (All Stocks) |
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| Sales (5yr) | 4.4% | 7.6% | 33% |
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| Net Income (5yr) | (9.4%) | 11.1% | 29% |
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| EPS (5yr) | (9.6%) | 10.1% | 21 |
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| Dividends (5yr) | (11.1%) | 3.6% | 60% |
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| Cash Flow (5yr) | (26.2%) | (17.0%) | 24% |
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| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
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| # of Estimates | na | na | na | |
| Current EPS | na | na | na | |
| Month Ago EPS | na | na | na | |
| # Rev Up | na | na | na | |
| # Rev Down | na | na | na | |
| Three Months Ago EPS | na | na | na | |
| Year/Year Chg | na | na | na | |
| Financials | CZBC | Industry Median |
Percentile (All Stocks) |
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| Sales (TTM) (Mil) | $29 | $190 | 16% |
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| Net Income (TTM) (Mil) | $3 | $51 | 42% |
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| EPS (TTM) | $0.416 | $2.500 | 52% |
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| Operating Cash Flow (TTM) (Mil) | na | $34 | na |
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| Net Cash Flow (TTM) (Mil) | na | $1 | na |
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| Long-Term Debt (Q1) (Mil) | $1 | $100 | 16% |
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| Enterprise Value (Q1) (Mil) | na | $0 | na |
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| Valuation | CZBC | Industry Median |
Percentile (All Stocks) |
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| P/B | 1.02 | 1.27 | 23% |
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| P/E | 37.3 | 12.9 | 76% |
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| Dividend Yield | 1.3% | 2.2% | 70% |
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| PEG (5yr hist) | na | 1.1 | na |
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| Ratios | CZBC | Industry Median |
Percentile (All Stocks) |
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| Gross Margin | na | 68.8% | na |
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| Net Margin | 7.4% | 28.9% | 56% |
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| ROA | 0.3% | 1.0% | 40% |
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| ROE | 2.8% | 11.1% | 40% |
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| Liabilities to Assets | 89.5% | 89.8% | 85% |
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| F-Score | 2 | 4 | 7% |
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Citizens Bancorp did not pass any screens on 7/31/2026.
