Citizens Bancorp Investment, Inc.

CBTN

CBTNCitizens Bancorp Investment, Inc. US flag

Other OTC

36.00

USD

+0.20

- -

213.19MMarket Cap

Income Statement (USD)

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	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Sales/Revenue/Turnover	39	55	57	52	57	68
+ Sales & Services Revenue	39	55	57	52	57	68
- Cost of Revenue	- -	- -	- -	- -	- -	- -
+ Cost of Goods & Services	- -	- -	- -	- -	- -	- -
Gross Profit	- -	- -	- -	- -	- -	- -
+ Other Operating Income	- -	- -	- -	- -	- -	- -
- Operating Expenses	- -	- -	- -	- -	- -	- -
+ Selling, General & Admin	16	22	22	23	24	28
+ Research & Development	- -	- -	- -	- -	- -	- -
+ Other Operating Expense	-16	-22	-22	-23	-24	-28
Operating Income (Loss)	- -	- -	- -	- -	- -	- -
- Non-Operating (Income) Loss	-13	-21	-23	-18	-20	-27
+ Interest Expense, Net	- -	- -	- -	- -	- -	- -
+ Interest Expense	- -	- -	- -	- -	- -	- -
- Interest Income	- -	- -	- -	- -	- -	- -
+ Other Non-Op (Income) Loss	-13	-21	-23	-18	-20	-27
Pretax Income	13	21	23	18	20	27
- Income Tax Expense (Benefit)	2	4	4	3	4	6
- (Income) Loss from Affiliates	- -	- -	- -	- -	- -	- -
Income (Loss) from Cont Ops	11	17	19	15	16	21
- Net Extraordinary Losses (Gains)	- -	- -	- -	- -	- -	- -
+ Discontinued Operations	- -	- -	- -	- -	- -	- -
+ Extraord. & Accounting Changes	- -	- -	- -	- -	- -	- -
Income (Loss) Incl. MI	11	17	19	15	16	21
- Minority Interest	- -	- -	- -	- -	- -	- -
Net Income, GAAP	11	17	19	15	16	21
- Preferred Dividends	- -	- -	- -	- -	- -	- -
- Other Adjustments	- -	- -	- -	- -	- -	- -
Net Income Avail to Common, GAAP	11	17	19	15	16	21
EBIT	- -	- -	- -	- -	- -	- -
EBITDA	1	1	1	1	1	1
EBITDA Margin (%)	2.74	2.43	2.33	2.49	2.33	1.98
EBITA	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100
Operating Margin (%)	- -	- -	- -	- -	- -	- -
Profit Margin (%)	27.47	30.18	32.96	28.15	28.6	31.41
Sales per Employee	- -	- -	- -	- -	- -	- -
Dividend per Share	0.56	0.6	0.64	0.68	0.72	0.76
Depreciation Expense	1	1	1	1	1	1
Basic Weighted Avg Shares	6	6	6	6	6	6
Basic EPS, GAAP	1.85	2.85	3.17	2.49	2.75	3.62
Basic EPS from Cont Ops	1.85	2.85	3.17	2.49	2.75	3.62
Diluted Weighted Avg Shares	6	6	6	6	6	6
Diluted EPS, GAAP	1.85	2.8	3.11	2.45	2.73	3.59
Diluted EPS from Cont Ops	1.85	2.8	3.11	2.45	2.73	3.59

Balance Sheet (USD)

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	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Current Assets	- -	- -	- -	- -	- -	- -
+ Cash, Cash Equivalents & STI	455	604	430	420	412	331
+ Cash & Cash Equivalents	193	234	25	43	26	40
+ ST Investments	262	370	404	377	386	292
+ Accounts & Notes Receiv	6	5	7	9	9	10
+ Accounts Receivable, Net	6	5	6	7	8	9
+ Notes Receivable, Net	- -	- -	- -	- -	- -	- -
+ Loans Receivable, Net	- -	- -	- -	- -	- -	- -
+ Other Receivable, Net	- -	- -	1	1	1	1
+ Inventories	- -	- -	- -	- -	- -	- -
+ Raw Materials	- -	- -	- -	- -	- -	- -
+ Work In Process	- -	- -	- -	- -	- -	- -
+ Finished Goods	- -	- -	- -	- -	- -	- -
+ Inventory Adjustments	- -	- -	- -	- -	- -	- -
+ Other Inventory	- -	- -	- -	- -	- -	- -
+ Other ST Assets	-462	-609	-437	-428	-421	-341
+ Misc ST Assets	- -	- -	- -	- -	- -	- -
+ Prepaid Expenses	- -	- -	- -	- -	- -	- -
+ ST Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -
+ ST Assets Held-for-Sale	- -	- -	- -	- -	- -	- -
+ ST Deferred Tax Assets	- -	- -	- -	- -	- -	- -
Total Noncurrent Assets	- -	- -	- -	- -	- -	- -
+ Property, Plant & Equip, Net	21	21	20	20	20	19
+ Property, Plant & Equip	41	41	42	42	43	43
- Accumulated Depreciation	20	21	22	22	23	24
+ LT Investments & Receivables	266	374	408	381	390	295
+ LT Investments	266	374	408	381	390	295
+ LT Receivables	- -	- -	- -	- -	- -	- -
+ Other LT Assets	-287	-395	-428	-401	-410	-314
+ Total Intangible Assets	21	22	22	22	22	22
+ Goodwill	18	18	18	18	18	18
+ Other Intangible Assets	3	3	4	4	3	3
+ LT Deferred Tax Assets	- -	- -	- -	- -	- -	- -
+ LT Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -
+ Misc LT Assets	-308	-417	-451	-423	-431	-336
Total Assets	1,337	1,481	1,487	1,552	1,670	1,761
+ Payables & Accruals	2	1	1	3	3	3
+ Accounts Payable	2	1	1	3	3	3
+ Accrued Taxes	- -	- -	- -	- -	- -	- -
+ Interest & Dividends Payable	- -	- -	- -	- -	- -	- -
+ Other Payables & Accruals	- -	- -	- -	- -	- -	- -
+ ST Debt	39	23	70	- -	5	- -
+ ST Borrowings	39	23	70	- -	5	- -
+ ST Finance Leases	- -	- -	- -	- -	- -	- -
+ Other ST Liabilities	-41	-24	-71	-3	-9	-3
+ Deferred Revenue	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -
+ Misc ST Liabilities	-41	-24	-71	-3	-9	-3
Total Current Liabilities	- -	- -	- -	- -	- -	- -
+ LT Debt	16	14	82	74	136	124
+ LT Borrowings	16	14	82	74	136	124
+ LT Finance Leases	- -	- -	- -	- -	- -	- -
+ Other LT Liabilities	-16	-14	-82	-74	-136	-124
+ Accrued Liabilities	- -	- -	- -	- -	- -	- -
+ Pension Liabilities	- -	- -	- -	- -	- -	- -
+ Deferred Revenue	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -
+ Misc LT Liabilities	-16	-14	-82	-74	-136	-124
Total Noncurrent Liabilities	- -	- -	- -	- -	- -	- -
Total Liabilities	1,211	1,345	1,370	1,417	1,524	1,586
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -
+ Share Capital & APIC	8	8	9	9	9	9
+ Common Stock	- -	- -	- -	- -	- -	- -
+ Additional Paid in Capital	8	8	8	8	8	8
- Treasury Stock	- -	- -	- -	- -	- -	- -
+ Retained Earnings	113	126	141	152	164	181
+ Other Equity	6	2	-33	-26	-27	-14
Equity Before Minority Interest	127	136	117	134	146	175
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -
Total Equity	127	136	117	134	146	175
Total Liabilities & Equity	1,337	1,481	1,487	1,552	1,670	1,761
Shares Outstanding	6	6	6	6	6	6
Number of Employees	- -	- -	- -	- -	- -	- -
Capital Leases - Total	- -	- -	- -	- -	- -	- -
Net Debt	-138	-197	127	32	115	85
Net Debt to Equity	-108.58	-144.28	108.93	23.64	79.18	48.39
Tangible Common Equity Ratio	8.04	7.85	6.45	7.33	7.52	8.84
Current Ratio	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -

Cash Flow Statement (USD)

API ChatGPT

	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

+ Net Income	11	17	19	15	16	21
+ Depreciation & Amortization	1	1	1	1	1	1
+ Non-Cash Items	3	- -	2	- -	- -	- -
+ Stock-Based Compensation	- -	- -	- -	- -	- -	- -
+ Deferred Income Taxes	- -	1	- -	- -	- -	- -
+ Asset Impairment Charge	- -	- -	- -	- -	- -	- -
+ Other Non-Cash Adj	3	-1	2	- -	1	1
+ Chg in Non-Cash Work Cap	3	1	-2	- -	-2	2
+ (Inc) Dec in Accts Receiv	-1	1	-2	-1	-1	-1
+ (Inc) Dec in Inventories	- -	- -	- -	- -	- -	- -
+ (Inc) Dec in Prepaid Assets	- -	- -	- -	- -	- -	- -
+ Inc (Dec) in Accts Payable	- -	-1	-1	2	1	1
+ Inc (Dec) in Other	3	1	1	- -	-2	2
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -
Cash from Operating Activities	18	19	20	16	16	25
+ Change in Fixed & Intang	- -	- -	- -	- -	- -	- -
+ Disp in Fixed & Intang	- -	- -	- -	- -	- -	- -
+ Disp of Fixed Prod Assets	- -	- -	- -	- -	- -	- -
+ Disp of Intangible Assets	- -	- -	- -	- -	- -	- -
+ Acq of Fixed & Intang	-1	-1	-1	-1	-1	-1
+ Acq of Fixed Prod Assets	-1	-1	-1	-1	-1	-1
+ Acq of Intangible Assets	- -	- -	- -	- -	- -	- -
+ Cash (Repurchase) of Equity	- -	- -	- -	- -	- -	- -
+ Increase in Capital Stock	- -	- -	- -	- -	- -	- -
+ Decrease in Capital Stock	- -	- -	- -	- -	- -	- -
+ Net Change in LT Investment	-13	-115	-82	36	-10	5
+ Dec in LT Investment	77	84	53	36	46	81
+ Inc in LT Investment	-91	-199	-135	- -	-56	-77
+ Net Cash From Acq & Div	37	- -	- -	- -	- -	- -
+ Cash from Divestitures	37	- -	- -	- -	- -	- -
+ Cash for Acq of Subs	- -	- -	- -	- -	- -	- -
+ Cash for JVs	- -	- -	- -	- -	- -	- -
+ Other Investing Activities	-5	5	-169	-74	-124	-71
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -
Cash from Investing Activities	17	-110	-251	-39	-135	-67
+ Dividends Paid	-3	-4	-4	-4	-4	-4
+ Net Cash From Debt	-9	-18	45	-8	67	-17
+ Cash From Debt	13	- -	137	48	278	246
+ Repayments of Debt	-22	-18	-92	-56	-211	-263
+ Other Financing Activities	127	154	-19	52	39	77
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -
Cash from Financing Activities	115	133	22	40	102	56
Effect of Foreign Exchange Rates	- -	- -	- -	- -	- -	- -
Net Changes in Cash	150	41	-209	17	-17	14
EBITDA	1	1	1	1	1	1
EBITDA Margin (%)	2.74	2.43	2.33	2.49	2.33	1.98
Free Cash Flow	17	18	20	15	15	23
Net Cash Paid for Acquisitions	-37	- -	- -	- -	- -	- -
Free Cash Flow to Firm	17	18	20	15	15	23
Free Cash Flow to Equity	- -	- -	65	7	82	7
Free Cash Flow per Basic Share	2.82	3.07	3.32	2.6	2.59	3.97
Price/Free Cash Flow	- -	13.8	11.36	10.76	9.22	6.97
Cash Flow to Net Income	1.64	1.12	1.09	1.12	1	1.15
Capital Expenditures	-1	-1	-1	-1	-1	-1