Citizens Bancorp Investment, Inc.

CBTN

CBTNCitizens Bancorp Investment, Inc. US flag

Other OTC

35.36

USD

- -

209.40MMarket Cap

Profitability (USD)

API Chat

	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Return on Common Equity (%)	- -	13.96	13.92	10	10.26	12.38
Return on Assets (%)	- -	1.19	1.26	0.97	1.01	1.25
Return on Capital (%)	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100
EBITDA Margin (%)	2.74	2.43	2.33	2.49	2.33	1.98
Operating Margin (%)	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	33.44	37.64	40.82	34.24	35.33	39.58
Profit Margin (%)	27.47	30.18	32.96	28.15	28.6	31.41
Net Income to Common Margin (%)	27.47	30.18	32.96	28.15	28.6	31.41
Effective Tax Rate (%)	17.87	19.83	19.26	17.8	19.06	20.62
Dvd Payout Ratio (%)	30.34	21.05	20.19	27.3	26.16	20.98
Sustainable Growth Rate (%)	- -	11.02	11.11	7.27	7.58	9.78

Credit (USD)

API Chat

	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Total Debt	55	37	153	74	141	124
ST Debt	39	23	70	- -	5	- -
LT Debt	16	14	82	74	136	124
Total Debt/EBITDA	51.13	27.57	115.75	57.14	106.48	92.27
Net Debt/EBITDA	-127.45	-145.88	96.67	24.39	87.11	62.91
Total Debt/EBIT	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	8.47	8.54	9.51	9.81	9.84	10.29
Long-Term Debt/Equity (%)	12.71	10.47	70.42	55.38	93.07	70.97
Long-Term Debt/Capital (%)	9.56	8.72	28.02	32.8	44.44	40.73
Long-Term Debt/Total Assets (%)	1.2	0.96	5.54	4.79	8.13	7.07
Total Debt/Equity (%)	43.56	27.27	130.44	55.38	96.78	70.97
Total Debt/Capital (%)	32.78	22.71	51.91	32.8	46.2	40.73
Total Debt/Total Assets (%)	4.13	2.51	10.26	4.79	8.45	7.07
Net Debt to Equity	-108.58	-144.28	108.93	23.64	79.18	48.39
Net Debt/Capital (%)	564.39	280.21	47.41	17.25	41.27	31.9
EBITDA	1	1	1	1	1	1
EBITDA-CapEx	- -	1	1	- -	- -	- -
Operating Income (Loss)	- -	- -	- -	- -	- -	- -

Liquidity (USD)

API Chat

	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Cash Ratio	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	8.47	8.54	9.51	9.81	9.84	10.29
Long-Term Debt/Equity (%)	12.71	10.47	70.42	55.38	93.07	70.97
Long-Term Debt/Capital (%)	9.56	8.72	28.02	32.8	44.44	40.73
Long-Term Debt/Total Assets (%)	1.2	0.96	5.54	4.79	8.13	7.07
Total Debt/Equity (%)	43.56	27.27	130.44	55.38	96.78	70.97
Total Debt/Capital (%)	32.78	22.71	51.91	32.8	46.2	40.73
Total Debt/Total Assets (%)	4.13	2.51	10.26	4.79	8.45	7.07
CFO/Total Liabilities	1.47	1.39	1.48	1.16	1.07	1.56
CFO/CapEx	14.26	26.17	25.1	14.51	16.18	20.02
Altman's Z-Score	0.15	0.28	0.28	0.25	0.24	0.25

Working Capital (USD)

API Chat

	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Accounts Receivable Turnover	- -	10.33	10.3	7.72	7.28	7.86
Days Sales Outstanding	- -	35.33	35.44	47.29	50.13	46.44
Inventory Turnover	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

API Chat

	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Market Capitalization	- -	264	235	186	158	179
- Cash & Cash Equivalents	193	234	25	43	26	40
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -
+ Total Debt	55	37	153	74	141	124
Enterprise Value	-400	-303	-42	-160	-113	-28
Total Capital	168	164	294	227	305	306
Total Debt/Capital (%)	32.78	22.71	51.91	32.8	46.2	40.73
Total Debt / EV	-0.14	-0.12	-3.66	-0.47	-1.25	-4.46
EV/Sales	- -	- -	- -	- -	0.63	- -
EV/EBITDA	- -	- -	- -	- -	27.06	- -
EV/EBIT	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	2.2	- -
EV/Free Cash Flow to Firm	- -	- -	- -	- -	2.07	- -
Diluted Market Cap	- -	269	240	189	159	181
Diluted Enterprise Value	-138	72	368	221	275	265
EV per Share	- -	- -	- -	- -	6.07	- -
TTM Sales	39	55	57	52	57	68
TTM EBITDA	1	1	1	1	1	1
TTM Operating Income	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	18	19	20	16	16	25
TTM Free Cash Flow to Firm	19	19	21	18	17	26

Multiples (USD)

API Chat

	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Price/Free Cash Flow	- -	13.8	11.36	10.76	9.22	6.97
EV/EBIT	- -	- -	- -	- -	- -	- -
Enterprise Value	-400	-303	-42	-160	-113	-28
Low Price	- -	45	40	31.5	21.76	26.5
EV/Sales	- -	- -	- -	- -	0.63	- -
EV/EBITDA	- -	- -	- -	- -	27.06	- -
Price/Earnings	- -	15.79	12.62	12.65	9.73	8.37
Price/Earnings Average	- -	16.68	13.8	13.99	10.11	8
Price/Earnings High	- -	16.84	14.67	16.06	13.08	8.69
Price/Earnings Low	- -	15.79	12.62	12.65	7.91	7.31
Price/Book Value	- -	2.09	1.66	1.22	0.96	0.99
Price/Book Value Average	- -	2.21	1.82	1.35	1	0.94
Price/Book Value High	- -	2.23	1.93	1.55	1.29	1.03
Price/Book Value Low	- -	2.09	1.66	1.22	0.78	0.86
Price/Tangible Book Value	- -	2.31	2.49	1.66	1.27	1.16
Price/Tangible Book Value Average	- -	2.44	2.72	1.83	1.32	1.11
Price/Tangible Book Value High	- -	2.46	2.89	2.1	1.71	1.21
Price/Tangible Book Value Low	- -	2.31	2.49	1.66	1.04	1.02
Price/Sales	- -	4.76	4.16	3.56	2.78	2.63
Price/Sales Average	- -	5.03	4.55	3.94	2.89	2.51
Price/Sales High	- -	5.08	4.83	4.52	3.74	2.73
Price/Sales Low	- -	4.76	4.16	3.56	2.26	2.3
Price/Cash Flow	- -	14.1	11.57	11.29	9.69	7.25
Price/Cash Flow Average	- -	14.9	12.65	12.49	10.08	6.94
Price/Cash Flow High	- -	15.04	13.45	14.34	13.03	7.54
Price/Cash Flow Low	- -	14.1	11.57	11.29	7.88	6.34
Price/Free Cash Flow Average	- -	14.58	12.42	11.9	9.58	6.67
Price/Free Cash Flow High	- -	14.72	13.2	13.66	12.39	7.24
Price/Free Cash Flow Low	- -	13.8	11.36	10.76	7.49	6.09
EV/Sales Average	- -	1.49	6.8	4.55	4.92	3.76
EV/Sales High	- -	1.54	7.09	5.13	5.77	3.98
EV/Sales Low	- -	1.22	6.41	4.17	4.29	3.54
EV/EBITDA Average	-127.45	61.24	291.86	182.21	211.04	189.77
EV/EBITDA High	-127.45	63.22	304.13	205.62	247.42	200.73
EV/EBITDA Low	-127.45	50.15	275.13	167.11	184.01	178.85
EV/EBIT Average	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -
Last Price	- -	45	40	31.5	26.77	30.31
High Price	- -	48	46.5	40	36	31.5
Enterprise Value Average	-138	83	385	237	280	256
Enterprise Value High	-138	85	401	268	328	271
Enterprise Value Low	-138	68	363	217	244	241

Profitability (USD)

API Chat

	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Return on Common Equity (%)	- -	13.96	13.92	10	10.26	12.38
Return on Assets (%)	- -	1.19	1.26	0.97	1.01	1.25
Return on Capital (%)	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100
EBITDA Margin (%)	2.74	2.43	2.33	2.49	2.33	1.98
Operating Margin (%)	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	33.44	37.64	40.82	34.24	35.33	39.58
Profit Margin (%)	27.47	30.18	32.96	28.15	28.6	31.41
Net Income to Common Margin (%)	27.47	30.18	32.96	28.15	28.6	31.41
Effective Tax Rate (%)	17.87	19.83	19.26	17.8	19.06	20.62
Dvd Payout Ratio (%)	30.34	21.05	20.19	27.3	26.16	20.98
Sustainable Growth Rate (%)	- -	11.02	11.11	7.27	7.58	9.78

Credit (USD)

API Chat

	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Total Debt	55	37	153	74	141	124
ST Debt	39	23	70	- -	5	- -
LT Debt	16	14	82	74	136	124
Total Debt/EBITDA	51.13	27.57	115.75	57.14	106.48	92.27
Net Debt/EBITDA	-127.45	-145.88	96.67	24.39	87.11	62.91
Total Debt/EBIT	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	8.47	8.54	9.51	9.81	9.84	10.29
Long-Term Debt/Equity (%)	12.71	10.47	70.42	55.38	93.07	70.97
Long-Term Debt/Capital (%)	9.56	8.72	28.02	32.8	44.44	40.73
Long-Term Debt/Total Assets (%)	1.2	0.96	5.54	4.79	8.13	7.07
Total Debt/Equity (%)	43.56	27.27	130.44	55.38	96.78	70.97
Total Debt/Capital (%)	32.78	22.71	51.91	32.8	46.2	40.73
Total Debt/Total Assets (%)	4.13	2.51	10.26	4.79	8.45	7.07
Net Debt to Equity	-108.58	-144.28	108.93	23.64	79.18	48.39
Net Debt/Capital (%)	564.39	280.21	47.41	17.25	41.27	31.9
EBITDA	1	1	1	1	1	1
EBITDA-CapEx	- -	1	1	- -	- -	- -
Operating Income (Loss)	- -	- -	- -	- -	- -	- -

Liquidity (USD)

API Chat

	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Cash Ratio	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	8.47	8.54	9.51	9.81	9.84	10.29
Long-Term Debt/Equity (%)	12.71	10.47	70.42	55.38	93.07	70.97
Long-Term Debt/Capital (%)	9.56	8.72	28.02	32.8	44.44	40.73
Long-Term Debt/Total Assets (%)	1.2	0.96	5.54	4.79	8.13	7.07
Total Debt/Equity (%)	43.56	27.27	130.44	55.38	96.78	70.97
Total Debt/Capital (%)	32.78	22.71	51.91	32.8	46.2	40.73
Total Debt/Total Assets (%)	4.13	2.51	10.26	4.79	8.45	7.07
CFO/Total Liabilities	1.47	1.39	1.48	1.16	1.07	1.56
CFO/CapEx	14.26	26.17	25.1	14.51	16.18	20.02
Altman's Z-Score	0.15	0.28	0.28	0.25	0.24	0.25

Working Capital (USD)

API Chat

	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Accounts Receivable Turnover	- -	10.33	10.3	7.72	7.28	7.86
Days Sales Outstanding	- -	35.33	35.44	47.29	50.13	46.44
Inventory Turnover	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

API Chat

	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Market Capitalization	- -	264	235	186	158	179
- Cash & Cash Equivalents	193	234	25	43	26	40
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -
+ Total Debt	55	37	153	74	141	124
Enterprise Value	-400	-303	-42	-160	-113	-28
Total Capital	168	164	294	227	305	306
Total Debt/Capital (%)	32.78	22.71	51.91	32.8	46.2	40.73
Total Debt / EV	-0.14	-0.12	-3.66	-0.47	-1.25	-4.46
EV/Sales	- -	- -	- -	- -	0.63	- -
EV/EBITDA	- -	- -	- -	- -	27.06	- -
EV/EBIT	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	2.2	- -
EV/Free Cash Flow to Firm	- -	- -	- -	- -	2.07	- -
Diluted Market Cap	- -	269	240	189	159	181
Diluted Enterprise Value	-138	72	368	221	275	265
EV per Share	- -	- -	- -	- -	6.07	- -
TTM Sales	39	55	57	52	57	68
TTM EBITDA	1	1	1	1	1	1
TTM Operating Income	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	18	19	20	16	16	25
TTM Free Cash Flow to Firm	19	19	21	18	17	26

Multiples (USD)

API Chat

	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Price/Free Cash Flow	- -	13.8	11.36	10.76	9.22	6.97
EV/EBIT	- -	- -	- -	- -	- -	- -
Enterprise Value	-400	-303	-42	-160	-113	-28
Low Price	- -	45	40	31.5	21.76	26.5
EV/Sales	- -	- -	- -	- -	0.63	- -
EV/EBITDA	- -	- -	- -	- -	27.06	- -
Price/Earnings	- -	15.79	12.62	12.65	9.73	8.37
Price/Earnings Average	- -	16.68	13.8	13.99	10.11	8
Price/Earnings High	- -	16.84	14.67	16.06	13.08	8.69
Price/Earnings Low	- -	15.79	12.62	12.65	7.91	7.31
Price/Book Value	- -	2.09	1.66	1.22	0.96	0.99
Price/Book Value Average	- -	2.21	1.82	1.35	1	0.94
Price/Book Value High	- -	2.23	1.93	1.55	1.29	1.03
Price/Book Value Low	- -	2.09	1.66	1.22	0.78	0.86
Price/Tangible Book Value	- -	2.31	2.49	1.66	1.27	1.16
Price/Tangible Book Value Average	- -	2.44	2.72	1.83	1.32	1.11
Price/Tangible Book Value High	- -	2.46	2.89	2.1	1.71	1.21
Price/Tangible Book Value Low	- -	2.31	2.49	1.66	1.04	1.02
Price/Sales	- -	4.76	4.16	3.56	2.78	2.63
Price/Sales Average	- -	5.03	4.55	3.94	2.89	2.51
Price/Sales High	- -	5.08	4.83	4.52	3.74	2.73
Price/Sales Low	- -	4.76	4.16	3.56	2.26	2.3
Price/Cash Flow	- -	14.1	11.57	11.29	9.69	7.25
Price/Cash Flow Average	- -	14.9	12.65	12.49	10.08	6.94
Price/Cash Flow High	- -	15.04	13.45	14.34	13.03	7.54
Price/Cash Flow Low	- -	14.1	11.57	11.29	7.88	6.34
Price/Free Cash Flow Average	- -	14.58	12.42	11.9	9.58	6.67
Price/Free Cash Flow High	- -	14.72	13.2	13.66	12.39	7.24
Price/Free Cash Flow Low	- -	13.8	11.36	10.76	7.49	6.09
EV/Sales Average	- -	1.49	6.8	4.55	4.92	3.76
EV/Sales High	- -	1.54	7.09	5.13	5.77	3.98
EV/Sales Low	- -	1.22	6.41	4.17	4.29	3.54
EV/EBITDA Average	-127.45	61.24	291.86	182.21	211.04	189.77
EV/EBITDA High	-127.45	63.22	304.13	205.62	247.42	200.73
EV/EBITDA Low	-127.45	50.15	275.13	167.11	184.01	178.85
EV/EBIT Average	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -
Last Price	- -	45	40	31.5	26.77	30.31
High Price	- -	48	46.5	40	36	31.5
Enterprise Value Average	-138	83	385	237	280	256
Enterprise Value High	-138	85	401	268	328	271
Enterprise Value Low	-138	68	363	217	244	241

	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Shares Outstanding	6	6	6	6	6	6
Diluted Weighted Avg Shares	6	6	6	6	6	6
Basic Weighted Avg Shares	6	6	6	6	6	6
Revenue per Share	6.72	9.44	9.62	8.85	9.62	11.53
EBITDA per Share	0.18	0.23	0.22	0.22	0.22	0.23
Operating Income per Share	- -	- -	- -	- -	- -	- -
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 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
Dividend per Share	0.56	0.6	0.64	0.68	0.72	0.76
Cash Flow per Share	3.03	3.19	3.46	2.79	2.76	4.18
Free Cash Flow per Basic Share	2.82	3.07	3.32	2.6	2.59	3.97
Cash & Equivalents per Share	77.52	102.88	73.04	71.18	69.85	56.12
Book Value per Share	19.29	21.54	24.04	25.83	27.84	30.69
Tangible Book Value per Share	18.02	19.5	16.07	19.03	21.01	26.05

Citizens Bancorp Investment, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)