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Citizens Bancorp Investment, Inc. CBTN

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36.00 USD 0.00 (+0.00%)

At closeNov 2, 2026, 4:00 PM EST

35.20 Day range 36.00
30.25 52-week range 37.65
YTD
+18.77%
1 year
+18.03%

Financial health

FMP rating

A4 / 5 overall

  • DCF 4
  • Return on Equity 4
  • Return on Assets 4
  • Debt / Equity 3
  • P/E 4
  • P/B 3

Valuation

P/E 8.4×
FY 2018: 23.4×FY 2019: 25.1×FY 2020: 25.9×FY 2021: 15.8×FY 2022: 12.6×FY 2023: 12.7×FY 2024: 9.8×FY 2025: 8.4×
FY 2018 5y median 12.6× FY 2025
P/S 1.7×
FY 2018: 7.2×FY 2019: 7.1×FY 2020: 6.0×FY 2021: 4.3×FY 2022: 3.8×FY 2023: 2.4×FY 2024: 2.9×FY 2025: 1.7×
FY 2018 5y median 2.9× FY 2025
P/B 1.0×
FY 2018: 2.8×FY 2019: 2.4×FY 2020: 2.2×FY 2021: 1.9×FY 2022: 2.0×FY 2023: 1.4×FY 2024: 1.1×FY 2025: 1.0×
FY 2018 5y median 1.4× FY 2025
P/FCF 7.7×
FY 2018: 18.1×FY 2019: 24.7×FY 2020: 17.0×FY 2021: 14.7×FY 2022: 12.0×FY 2023: 12.1×FY 2024: 0.0×FY 2025: 7.7×
FY 2018 5y median 12.0× FY 2025
EV/EBITDA 9.3×
FY 2018: 9.9×FY 2019: 9.6×FY 2020: 10.1×FY 2021: 3.0×FY 2022: 14.9×FY 2023: 11.3×FY 2024: 13.0×FY 2025: 9.3×
FY 2018 5y median 11.3× FY 2025
EV/Sales 2.5×
FY 2018: 9.1×FY 2019: 8.2×FY 2020: 3.1×FY 2021: 1.1×FY 2022: 5.8×FY 2023: 2.9×FY 2024: 5.0×FY 2025: 2.5×
FY 2018 5y median 2.9× FY 2025
FCF Yield 13.1%
FY 2018: 5.5%FY 2019: 4.1%FY 2020: 5.9%FY 2021: 6.8%FY 2022: 8.3%FY 2023: 8.2%FY 2024: 0.0%FY 2025: 13.1%
FY 2018 5y median 8.2% FY 2025

Profitability

Gross Margin 63.4%
FY 2018: 100.0%FY 2019: 0.1%FY 2020: 80.7%FY 2021: 89.3%FY 2022: 88.3%FY 2023: 67.2%FY 2024: 100.0%FY 2025: 63.4%
FY 2018 5y median 88.3% FY 2025
Operating Margin 25.7%
FY 2018: 40.5%FY 2019: 36.8%FY 2020: 27.9%FY 2021: 34.3%FY 2022: 36.9%FY 2023: 23.5%FY 2024: 100.0%FY 2025: 25.7%
FY 2018 5y median 34.3% FY 2025
Net Margin 20.4%
FY 2018: 30.7%FY 2019: 28.4%FY 2020: 23.0%FY 2021: 27.5%FY 2022: 29.8%FY 2023: 19.3%FY 2024: 29.5%FY 2025: 20.4%
FY 2018 5y median 27.5% FY 2025
ROE 12.2%
FY 2018: 11.7%FY 2019: 9.8%FY 2020: 8.5%FY 2021: 12.3%FY 2022: 15.9%FY 2023: 10.9%FY 2024: 11.1%FY 2025: 12.2%
FY 2018 5y median 12.2% FY 2025
ROIC 6.9%
FY 2018: 1.4%FY 2019: 1.2%FY 2020: 1.3%FY 2021: 9.4%FY 2022: 9.1%FY 2023: 6.8%FY 2024: 2.1%FY 2025: 6.9%
FY 2018 5y median 6.9% FY 2025
ROA 1.2%
FY 2018: 1.3%FY 2019: 1.2%FY 2020: 0.8%FY 2021: 1.1%FY 2022: 1.3%FY 2023: 0.9%FY 2024: 1.0%FY 2025: 1.2%
FY 2018 5y median 1.1% FY 2025

Growth (YoY)

Revenue 90.4%
FY 2018: 0.0%FY 2019: 1.0%FY 2020: 19.4%FY 2021: 28.8%FY 2022: 2.9%FY 2023: 21.7%FY 2024: -27.7%FY 2025: 90.4%
FY 2018 FY 2025
Operating Income -51.0%
FY 2018: 0.0%FY 2019: -8.2%FY 2020: -9.4%FY 2021: 58.2%FY 2022: 10.6%FY 2023: -22.7%FY 2024: 208.0%FY 2025: -51.0%
FY 2018 FY 2025
EPS (diluted) 31.5%
FY 2018: 0.0%FY 2019: -6.8%FY 2020: -3.1%FY 2021: 51.4%FY 2022: 11.1%FY 2023: -21.2%FY 2024: 11.4%FY 2025: 31.5%
FY 2018 FY 2025
Free Cash Flow 0.0%
FY 2018: 0.0%FY 2019: -26.7%FY 2020: 45.0%FY 2021: 8.9%FY 2022: 8.3%FY 2023: -21.6%FY 2024: -100.0%FY 2025: 0.0%
FY 2018 FY 2025

Financial Health

Current Ratio 0.3×
FY 2018: 0.0×FY 2019: 0.0×FY 2020: -11.8×FY 2021: 0.5×FY 2022: 0.3×FY 2023: 0.3×FY 2024: 0.0×FY 2025: 0.3×
FY 2018 5y median 0.3× FY 2025
Quick Ratio 0.3×
FY 2018: 0.0×FY 2019: 0.0×FY 2020: -11.8×FY 2021: 0.5×FY 2022: 0.3×FY 2023: 0.3×FY 2024: 0.0×FY 2025: 0.3×
FY 2018 5y median 0.3× FY 2025
Debt / Equity 0.7×
FY 2018: 0.9×FY 2019: 0.5×FY 2020: 0.4×FY 2021: 0.3×FY 2022: 1.3×FY 2023: 0.6×FY 2024: 1.0×FY 2025: 0.7×
FY 2018 5y median 0.7× FY 2025
Net Debt / EBITDA 3.0×
FY 2018: 2.1×FY 2019: 1.2×FY 2020: -9.6×FY 2021: -8.8×FY 2022: 5.2×FY 2023: 1.7×FY 2024: 5.5×FY 2025: 3.0×
FY 2018 5y median 3.0× FY 2025
Interest Coverage 0.7×
FY 2018: 0.0×FY 2019: 0.0×FY 2020: 1.7×FY 2021: 3.9×FY 2022: 3.8×FY 2023: 0.7×FY 2024: 1.5×FY 2025: 0.7×
FY 2018 5y median 1.5× FY 2025

Dividends

Dividend Yield 2.5%
FY 2018: 0.9%FY 2019: 1.1%FY 2020: 1.2%FY 2021: 1.3%FY 2022: 1.6%FY 2023: 2.2%FY 2024: 2.7%FY 2025: 2.5%
FY 2018 5y median 2.2% FY 2025
Payout Ratio 21.0%
FY 2018: 21.5%FY 2019: 27.2%FY 2020: 30.3%FY 2021: 21.0%FY 2022: 20.2%FY 2023: 27.3%FY 2024: 26.4%FY 2025: 21.0%
FY 2018 5y median 21.0% FY 2025

Annual · latest fiscal year ends 2025-12-31