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    Banks - Regional
Citizens Bancorp Investment, Inc.

Citizens Bancorp Investment, Inc.

CBTN
Citizens Bancorp Investment, Inc.US flagOther OTC
36.00
USD
+0.20
- -
213.19MMarket Cap
Citizens Bancorp Investment, Inc.
CBTN
(Other OTC)

Recent

price

36.00

P/E

ratio

- -

div

yld

- -

ROIC.AI

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

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
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
0.98
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

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