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    Banks - Regional
Citizens Bancorp

Citizens Bancorp

CZBC
Citizens BancorpUS flagOther OTC
15.00
USD
+0.23
- -
84.36MMarket Cap
Citizens Bancorp
CZBC
(Other OTC)

Recent

price

15.00

P/E

ratio

- -

div

yld

- -

ROIC.AI

2019
2020
2021
2022
2023
2024
2025
TTM
FRC
6.04
5.43
5.32
5.75
5.85
5.43
5.23
3.54
Revenue per Share
1.86
0.71
1.8
1.58
1.07
0.58
0.43
0.35
Basic EPS, GAAP
1.72
1.98
2.15
2.31
2.09
0.38
1.31
- -
Free Cash Flow per Basic Share
0.34
0.4
0.25
0.48
0.38
0.25
0.28
- -
Dividend per Share
15.63
15.95
17.18
18.35
19
19.4
19.65
17.94
Book Value per Share
15.95
16.95
16.64
10.03
12.31
12.75
15.24
13.66
Tangible Book Value per Share
6
6
6
6
6
6
6
6
Basic Weighted Avg Shares
33
30
30
33
33
30
29
22
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
1
1
1
1
1
1
1
- -
Depreciation Expense
10
4
10
9
6
3
2
2
Net Income, GAAP
24.8
20.35
24.4
25.02
22.39
18.92
6.89
7.73
Effective Tax Rate (%)
31.45
13.49
34.49
27.99
18.66
11.06
8.47
9.92
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
90
97
96
59
71
73
88
87
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
4.52
10.89
8.94
5.72
3.02
2.2
1.97
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
2
2
Shares Outstanding
6
6
6
Market Capitalization
60
61
85

Working Capital

FRC

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
- -
80
72
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
- -
0.78%
19.25%
Free Cash Flow
- -
33.8%
243.29%
Net Income, GAAP
- -
7.18%
-26.24%
Sales/Revenue/Turnover
- -
-0.53%
-3.61%
Total Cash Common Dividend
- -
4.89%
14.06%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
8
8
8
7
30
2025
7
7
- -
8
29
2026
7
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.13
0.13
0.17
- -
0.58
2025
0.09
0.09
- -
- -
0.43
2026
0.1
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
0.25
2025
- -
- -
- -
- -
0.28
2026
- -
- -
- -
- -
- -
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Business
Citizens Bancorp operates as the bank holding company for Citizens Bank, providing a comprehensive range of retail and commercial banking products and services. Its core offerings include commercial and consumer deposit accounts such as demand and time deposits; real estate, commercial, and consumer loans; mortgage lending; and small to medium-sized business banking solutions. The company also delivers treasury management, wealth management, investment advisory, and capital markets services including syndicated loans, corporate finance, mergers and acquisitions advisory, and debt and equity capital markets capabilities. Additionally, Citizens Bancorp offers point-of-sale financing, digital deposit products, commercial real estate financing, and various treasury solutions designed to meet domestic and international client needs. Citizens Bancorp operates primarily across 14 states in the United States, with a footprint that includes branches, ATMs, and wealth centers serving a broad range of clientele including individuals, small to medium-sized businesses, and corporate clients. The company was founded in the mid-20th century and is headquartered in Missouri. Its subsidiary, Citizens Bank, is fully integrated within its operations. In recent years, the company has executed significant strategic expansions and operational changes. Notably, in 2022, Citizens Bancorp merged with Texas National Bank to broaden their presence in East Texas, enhancing their combined assets to over $1 billion. Additionally, in 2025, Southern Missouri Bancorp announced plans to acquire Citizens Bancorp, intending to expand operations across Missouri, Arkansas, Illinois, and Kansas, which will significantly increase the combined company's asset base and branch network. These recent strategic moves illustrate Citizens Bancorp's intent to expand its regional banking footprint and strengthen its product offerings for its diverse client base. The company continues to focus on enhancing its service capabilities, including digital banking innovations and comprehensive financial solutions tailored to business and personal banking needs within its geographic areas of operation. This positions Citizens Bancorp as a growing regional banking institution with a robust portfolio of banking and financial services supported by ongoing mergers, acquisitions, and operational enhancements.