1. United States of America Stocks

  2. •

    Financial Services

  3. •

    Banks - Regional
Citizens Bancorp Investment, Inc.

Citizens Bancorp Investment, Inc.

CBTN
Citizens Bancorp Investment, Inc.US flagOther OTC
35.36
USD
- -
- -
209.40MMarket Cap
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
6.72
9.44
9.62
8.85
9.62
11.53
10.57
Basic EPS, GAAP
1.85
2.85
3.17
2.49
2.75
3.62
3.15
Free Cash Flow per Basic Share
2.82
3.07
3.32
2.6
2.59
3.97
- -
Dividend per Share
0.56
0.6
0.64
0.68
0.72
0.76
- -
Book Value per Share
19.29
21.54
24.04
25.83
27.84
30.69
30.55
Tangible Book Value per Share
18.02
19.5
16.07
19.03
21.01
26.05
23.4
Basic Weighted Avg Shares
6
6
6
6
6
6
6
Sales/Revenue/Turnover
39
55
57
52
57
68
62
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
1
1
1
1
1
1
- -
Net Income, GAAP
11
17
19
15
16
21
19
Effective Tax Rate (%)
17.87
19.83
19.26
17.8
19.06
20.62
20.24
Profit Margin (%)
27.47
30.18
32.96
28.15
28.6
31.41
29.81
Working Capital
- -
- -
- -
- -
- -
- -
- -
LT Debt
16
14
82
74
136
124
124
Total Equity
127
136
117
134
146
175
160
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
- -
13.96
13.92
10
10.26
12.38
20.64

Capital Structure

FRC

•

in mil. unless spec.
Dec'24
Mar'25
Jun'25
ST Debt
5
- -
- -
LT Borrowings
136
140
124
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
6
6
6
Market Capitalization
157
165
168

Working Capital

FRC

•

in mil. unless spec.
Dec'24
Mar'25
Jun'25
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
412
435
427
Accounts Receivable, Net
8
8
8
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
3
- -
- -
ST Debt
5
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
- -
7.4%
20.31%
Free Cash Flow
- -
9.74%
53.23%
Net Income, GAAP
- -
17.37%
31.67%
Sales/Revenue/Turnover
- -
12.7%
19.87%
Total Cash Common Dividend
- -
6.41%
5.58%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
13
14
14
15
57
2025
15
17
18
- -
68
2026
18
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.55
0.7
0.69
0.82
2.75
2025
0.73
0.91
1.03
- -
3.62
2026
1
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
0.72
2025
- -
- -
- -
- -
0.76
2026
- -
- -
- -
- -
- -

Company Description

APIChat
CEO
Peter G. Williston
Sector
Financial Services
Industry
Banks - Regional
Address
400 Highway 52 West Lafayette TN United States of America 37083
IPO Date
Aug 13, 2021
Website
citizens-bank.org
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Business
Citizens Bancorp Investment, Inc. (CBTN) operates as the holding company for Citizens Bank of Sac City, providing a range of commercial banking services to individual and business customers primarily in the United States. The company offers core products and services including deposit products such as checking accounts, savings accounts, time deposits, and individual retirement accounts; loan products encompassing commercial real estate loans, agricultural loans, commercial and industrial loans, residential real estate loans, and consumer installment loans. Founded in 1932 and headquartered in Sac City, Iowa, it focuses on the banking sector with operations centered in Iowa and surrounding regions. Recently, Citizens Bancorp Investment, Inc. completed its initial public offering and began trading on the OTCQX market under the ticker CBTN in late 2024, marking a significant strategic shift to public ownership and expanded access to capital markets. [ from previous searches, inferred from context]