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CZBC

Citizens Bancorp

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Price alert · CZBC

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16.00 USD 0.00 0.00%
As of Oct 30, 2026
15.40 Day range 16.00
9.54 52-week range 16.20
YTD
+57.64%
1 year
+65.29%
Open
15.50
Prev close
16.00
Mkt cap
89.99M
Vol
800
Avg vol
490
EPS
0.36
P/E
44.44
More statistics
Low
15.40
High
16.00

5D chart

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Financial health

Altman Z-Score

0.24 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

5 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

B-2 / 5 overall

  • DCF 3
  • Return on Equity 2
  • Return on Assets 1
  • Debt / Equity 4
  • P/E 1
  • P/B 3

Valuation

P/E 24.2×
FY 2016: 15.7×FY 2017: 16.5×FY 2018: 11.0×FY 2019: 10.7×FY 2020: 22.5×FY 2021: 9.7×FY 2022: 7.7×FY 2023: 11.5×FY 2024: 17.8×FY 2025: 24.2×
FY 2016 5y median 11.5× FY 2025
P/S 1.7×
FY 2016: 3.1×FY 2017: 3.1×FY 2018: 3.3×FY 2019: 3.1×FY 2020: 2.8×FY 2021: 3.1×FY 2022: 2.0×FY 2023: 1.7×FY 2024: 1.5×FY 2025: 1.7×
FY 2016 5y median 1.7× FY 2025
P/B 0.7×
FY 2016: 1.1×FY 2017: 1.2×FY 2018: 1.3×FY 2019: 1.2×FY 2020: 0.9×FY 2021: 1.0×FY 2022: 1.1×FY 2023: 0.9×FY 2024: 0.8×FY 2025: 0.7×
FY 2016 5y median 0.9× FY 2025
P/FCF 7.7×
FY 2016: 16.3×FY 2017: 74.8×FY 2018: 12.1×FY 2019: 12.8×FY 2020: 9.1×FY 2021: 8.9×FY 2022: 5.1×FY 2023: 5.6×FY 2024: 26.4×FY 2025: 7.7×
FY 2016 5y median 7.7× FY 2025
EV/EBITDA 21.2×
FY 2016: 4.5×FY 2017: 7.2×FY 2018: 6.8×FY 2019: 3.6×FY 2020: -19.1×FY 2021: -1.5×FY 2022: -7.1×FY 2023: 9.9×FY 2024: 1.8×FY 2025: 21.2×
FY 2016 5y median 1.8× FY 2025
EV/Sales 2.1×
FY 2016: 1.5×FY 2017: 2.6×FY 2018: 2.8×FY 2019: 1.5×FY 2020: -3.5×FY 2021: -0.7×FY 2022: -2.7×FY 2023: 2.1×FY 2024: 0.2×FY 2025: 2.1×
FY 2016 5y median 0.2× FY 2025
FCF Yield 12.9%
FY 2016: 6.1%FY 2017: 1.3%FY 2018: 8.3%FY 2019: 7.8%FY 2020: 11.0%FY 2021: 11.2%FY 2022: 19.7%FY 2023: 17.8%FY 2024: 3.8%FY 2025: 12.9%
FY 2016 5y median 12.9% FY 2025

Profitability

Gross Margin 86.9%
FY 2016: 100.0%FY 2017: 100.0%FY 2018: 100.0%FY 2019: 98.4%FY 2020: 98.3%FY 2021: 98.5%FY 2022: 98.6%FY 2023: 81.9%FY 2024: 78.6%FY 2025: 86.9%
FY 2016 5y median 86.9% FY 2025
Operating Margin 8.0%
FY 2016: 31.4%FY 2017: 36.2%FY 2018: 40.4%FY 2019: 41.1%FY 2020: 16.6%FY 2021: 44.9%FY 2022: 36.8%FY 2023: 19.7%FY 2024: 10.7%FY 2025: 8.0%
FY 2016 5y median 19.7% FY 2025
Net Margin 7.4%
FY 2016: 19.5%FY 2017: 19.0%FY 2018: 29.7%FY 2019: 30.9%FY 2020: 13.3%FY 2021: 34.0%FY 2022: 27.6%FY 2023: 15.3%FY 2024: 8.7%FY 2025: 7.4%
FY 2016 5y median 15.3% FY 2025
ROE 2.8%
FY 2016: 7.2%FY 2017: 7.5%FY 2018: 11.8%FY 2019: 11.6%FY 2020: 4.2%FY 2021: 10.8%FY 2022: 15.5%FY 2023: 8.6%FY 2024: 4.6%FY 2025: 2.8%
FY 2016 5y median 8.6% FY 2025
ROIC 0.3%
FY 2016: 2.8%FY 2017: 3.0%FY 2018: 5.1%FY 2019: 7.9%FY 2020: 2.7%FY 2021: 6.8%FY 2022: 9.2%FY 2023: 3.6%FY 2024: 3.4%FY 2025: 0.3%
FY 2016 5y median 3.6% FY 2025
ROA 0.3%
FY 2016: 0.7%FY 2017: 0.7%FY 2018: 1.2%FY 2019: 1.3%FY 2020: 0.4%FY 2021: 1.0%FY 2022: 0.9%FY 2023: 0.6%FY 2024: 0.4%FY 2025: 0.3%
FY 2016 5y median 0.6% FY 2025

Growth (YoY)

Revenue -13.8%
FY 2016: 8.4%FY 2017: 12.8%FY 2018: 10.4%FY 2019: 8.1%FY 2020: -8.7%FY 2021: -1.9%FY 2022: 8.6%FY 2023: 22.1%FY 2024: -3.7%FY 2025: -13.8%
FY 2016 FY 2025
Operating Income -35.8%
FY 2016: 35.6%FY 2017: 30.0%FY 2018: 23.1%FY 2019: 10.2%FY 2020: -63.1%FY 2021: 164.9%FY 2022: -11.0%FY 2023: -34.7%FY 2024: -47.5%FY 2025: -35.8%
FY 2016 FY 2025
EPS (diluted) -26.3%
FY 2016: 37.3%FY 2017: 8.7%FY 2018: 71.0%FY 2019: 3.5%FY 2020: -61.0%FY 2021: 150.7%FY 2022: -12.1%FY 2023: -32.2%FY 2024: -44.7%FY 2025: -26.3%
FY 2016 FY 2025
Free Cash Flow 243.3%
FY 2016: -17.3%FY 2017: -74.8%FY 2018: 613.7%FY 2019: -4.0%FY 2020: 16.4%FY 2021: 11.8%FY 2022: 23.1%FY 2023: -9.5%FY 2024: -81.8%FY 2025: 243.3%
FY 2016 FY 2025

Financial Health

Current Ratio 0.6×
FY 2016: 0.1×FY 2017: 0.1×FY 2018: 0.1×FY 2019: 0.1×FY 2020: 0.2×FY 2021: 0.1×FY 2022: 0.2×FY 2023: 0.2×FY 2024: 0.1×FY 2025: 0.6×
FY 2016 5y median 0.2× FY 2025
Quick Ratio 0.6×
FY 2016: 0.1×FY 2017: 0.1×FY 2018: 0.1×FY 2019: 0.1×FY 2020: 0.2×FY 2021: 0.1×FY 2022: 0.2×FY 2023: 0.2×FY 2024: 0.1×FY 2025: 0.6×
FY 2016 5y median 0.2× FY 2025
Debt / Equity 0.3×
FY 2016: 0.6×FY 2017: 0.5×FY 2018: 0.4×FY 2019: 0.0×FY 2020: 0.0×FY 2021: 0.0×FY 2022: 0.0×FY 2023: 2.5×FY 2024: 0.0×FY 2025: 0.3×
FY 2016 5y median 0.0× FY 2025
Net Debt / EBITDA 4.1×
FY 2016: -5.0×FY 2017: -1.3×FY 2018: -1.1×FY 2019: -3.6×FY 2020: -34.3×FY 2021: -8.1×FY 2022: -12.3×FY 2023: 2.1×FY 2024: -10.1×FY 2025: 4.1×
FY 2016 5y median -8.1× FY 2025
Interest Coverage 0.7×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 0.0×FY 2019: 25.2×FY 2020: 9.5×FY 2021: 29.5×FY 2022: 26.3×FY 2023: 1.1×FY 2024: 0.5×FY 2025: 0.7×
FY 2016 5y median 1.1× FY 2025

Dividends

Dividend Yield 2.7%
FY 2016: 1.5%FY 2017: 1.4%FY 2018: 1.3%FY 2019: 1.8%FY 2020: 2.6%FY 2021: 1.5%FY 2022: 4.1%FY 2023: 3.2%FY 2024: 2.5%FY 2025: 2.7%
FY 2016 5y median 2.7% FY 2025
Payout Ratio 62.9%
FY 2016: 22.9%FY 2017: 22.6%FY 2018: 14.6%FY 2019: 17.7%FY 2020: 55.2%FY 2021: 13.7%FY 2022: 29.9%FY 2023: 34.7%FY 2024: 42.2%FY 2025: 62.9%
FY 2016 5y median 34.7% FY 2025

Annual · latest fiscal year ends 2025-12-31