Citizens Bancorp

CZBC

CZBCCitizens Bancorp US flag

Other OTC

15.00

USD

+0.23

- -

84.36MMarket Cap

Income Statement (USD)

API ChatGPT

	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Sales/Revenue/Turnover	33	30	30	33	33	30	29
+ Sales & Services Revenue	33	30	30	33	33	30	29
- Cost of Revenue	- -	- -	- -	- -	- -	- -	- -
+ Cost of Goods & Services	- -	- -	- -	- -	- -	- -	- -
Gross Profit	- -	- -	- -	- -	- -	- -	- -
+ Other Operating Income	-19	-18	-21	-23	-25	-26	-26
- Operating Expenses	19	18	21	23	25	26	26
+ Selling, General & Admin	- -	- -	- -	- -	1	1	1
+ Research & Development	- -	- -	- -	- -	- -	- -	- -
+ Other Operating Expense	18	18	20	22	24	25	26
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -
- Non-Operating (Income) Loss	-14	-5	-14	-12	-8	-4	-3
+ Interest Expense, Net	- -	- -	- -	- -	- -	- -	- -
+ Interest Expense	- -	- -	- -	- -	- -	- -	- -
- Interest Income	- -	- -	- -	- -	- -	- -	- -
+ Other Non-Op (Income) Loss	-14	-5	-14	-12	-8	-4	-3
Pretax Income	14	5	14	12	8	4	3
- Income Tax Expense (Benefit)	3	1	3	3	2	1	- -
- (Income) Loss from Affiliates	- -	- -	- -	- -	- -	- -	- -
Income (Loss) from Cont Ops	10	4	10	9	6	3	2
- Net Extraordinary Losses (Gains)	- -	- -	- -	- -	- -	- -	- -
+ Discontinued Operations	- -	- -	- -	- -	- -	- -	- -
+ Extraord. & Accounting Changes	- -	- -	- -	- -	- -	- -	- -
Income (Loss) Incl. MI	10	4	10	9	6	3	2
- Minority Interest	- -	- -	- -	- -	- -	- -	- -
Net Income, GAAP	10	4	10	9	6	3	2
- Preferred Dividends	- -	- -	- -	- -	- -	- -	- -
- Other Adjustments	- -	- -	- -	- -	- -	- -	- -
Net Income Avail to Common, GAAP	10	4	10	9	6	3	2
EBIT	- -	- -	- -	- -	- -	- -	- -
EBITDA	- -	- -	- -	- -	- -	- -	- -
EBITDA Margin (%)	- -	- -	- -	- -	- -	- -	- -
EBITA	-1	-1	-1	-1	-1	-1	-1
Gross Margin (%)	100	100	100	100	100	100	100
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -
Profit Margin (%)	31.45	13.49	34.49	27.99	18.66	11.06	8.47
Sales per Employee	- -	- -	- -	- -	- -	- -	- -
Dividend per Share	0.34	0.4	0.25	0.48	0.38	0.25	0.28
Depreciation Expense	1	1	1	1	1	1	1
Basic Weighted Avg Shares	6	6	6	6	6	6	6
Basic EPS, GAAP	1.86	0.71	1.8	1.58	1.07	0.58	0.43
Basic EPS from Cont Ops	1.9	0.73	1.83	1.61	1.09	0.6	0.44
Diluted Weighted Avg Shares	6	6	6	6	6	6	6
Diluted EPS, GAAP	1.86	0.71	1.8	1.58	1.07	0.58	0.43
Diluted EPS from Cont Ops	1.9	0.73	1.83	1.61	1.09	0.6	0.44

Balance Sheet (USD)

API ChatGPT

	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2019	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	52	196	115	156	162	48	80
+ Cash & Cash Equivalents	52	196	115	156	162	48	80
+ ST Investments	- -	- -	- -	- -	- -	- -	- -
+ Accounts & Notes Receiv	3	4	4	4	4	4	4
+ Accounts Receivable, Net	- -	- -	- -	- -	- -	- -	- -
+ Notes Receivable, Net	- -	- -	- -	- -	- -	- -	- -
+ Loans Receivable, Net	- -	- -	- -	- -	- -	- -	- -
+ Other Receivable, Net	3	4	4	4	4	4	4
+ Inventories	- -	- -	- -	- -	- -	- -	- -
+ Raw Materials	- -	- -	- -	- -	- -	- -	- -
+ Work In Process	- -	- -	- -	- -	- -	- -	- -
+ Finished Goods	- -	- -	- -	- -	- -	- -	- -
+ Inventory Adjustments	- -	- -	- -	- -	- -	- -	- -
+ Other Inventory	- -	- -	- -	- -	- -	- -	- -
+ Other ST Assets	-56	-200	-119	-160	-167	-52	-84
+ 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	13	13	12	12	14	14	14
+ Property, Plant & Equip	23	23	23	24	25	26	24
- Accumulated Depreciation	10	11	11	11	11	12	11
+ LT Investments & Receivables	286	314	552	464	66	58	52
+ LT Investments	286	314	552	464	66	58	52
+ LT Receivables	- -	- -	- -	- -	- -	- -	- -
+ Other LT Assets	-299	-326	-564	-476	-80	-73	-65
+ Total Intangible Assets	- -	- -	- -	- -	- -	- -	- -
+ Goodwill	- -	- -	- -	- -	- -	- -	- -
+ Other Intangible Assets	- -	- -	- -	- -	- -	- -	- -
+ LT Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -
+ LT Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Assets	-299	-326	-564	-476	-80	-73	-65
Total Assets	790	984	1,067	1,055	1,020	807	832
+ Payables & Accruals	- -	- -	- -	- -	- -	- -	- -
+ Accounts Payable	- -	- -	- -	- -	- -	- -	- -
+ Accrued Taxes	- -	- -	- -	- -	- -	- -	- -
+ Interest & Dividends Payable	- -	- -	- -	- -	- -	- -	- -
+ Other Payables & Accruals	- -	- -	- -	- -	- -	- -	- -
+ ST Debt	- -	- -	- -	- -	- -	- -	- -
+ ST Borrowings	- -	- -	- -	- -	- -	- -	- -
+ ST Finance Leases	- -	- -	- -	- -	- -	- -	- -
+ Other ST Liabilities	- -	- -	- -	- -	- -	- -	- -
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -
+ Misc ST Liabilities	- -	- -	- -	- -	- -	- -	- -
Total Current Liabilities	- -	- -	- -	- -	- -	- -	- -
+ LT Debt	- -	- -	- -	- -	- -	- -	- -
+ LT Borrowings	- -	- -	- -	- -	- -	- -	- -
+ LT Finance Leases	- -	- -	- -	- -	- -	- -	- -
+ Other LT Liabilities	- -	- -	- -	- -	- -	- -	- -
+ Accrued Liabilities	- -	- -	- -	- -	- -	- -	- -
+ Pension Liabilities	- -	- -	- -	- -	- -	- -	- -
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Liabilities	- -	- -	- -	- -	- -	- -	- -
Total Noncurrent Liabilities	- -	- -	- -	- -	- -	- -	- -
Total Liabilities	700	887	972	996	948	734	744
+ Preferred Equity and Hybrid Capital	2	2	2	2	2	2	2
+ Share Capital & APIC	43	44	45	45	45	45	46
+ Common Stock	43	44	45	45	45	45	46
+ Additional Paid in Capital	- -	- -	- -	- -	- -	- -	- -
- Treasury Stock	- -	- -	- -	- -	- -	- -	- -
+ Retained Earnings	43	45	52	58	62	64	65
+ Other Equity	- -	- -	- -	- -	- -	- -	- -
Equity Before Minority Interest	90	97	96	59	71	73	88
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -
Total Equity	90	97	96	59	71	73	88
Total Liabilities & Equity	790	984	1,067	1,055	1,020	807	832
Shares Outstanding	6	6	6	6	6	6	6
Number of Employees	- -	- -	- -	- -	- -	- -	- -
Capital Leases - Total	- -	- -	- -	- -	- -	- -	- -
Net Debt	-52	-196	-115	-156	-162	-48	-80
Net Debt to Equity	-57.73	-202.39	-120.73	-265.49	-227.32	-65.66	-91.17
Tangible Common Equity Ratio	11.15	9.65	8.77	5.38	6.81	8.86	10.3
Current Ratio	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -

Cash Flow Statement (USD)

API ChatGPT

	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

+ Net Income	10	4	10	9	6	3	2
+ Depreciation & Amortization	- -	- -	- -	- -	- -	- -	- -
+ Non-Cash Items	1	8	2	5	8	-1	5
+ Stock-Based Compensation	- -	- -	- -	- -	- -	- -	- -
+ Deferred Income Taxes	- -	-2	- -	1	- -	- -	- -
+ Asset Impairment Charge	- -	- -	- -	- -	- -	- -	- -
+ Other Non-Cash Adj	1	10	3	4	7	-1	5
+ Chg in Non-Cash Work Cap	- -	- -	- -	- -	-1	- -	- -
+ (Inc) Dec in Accts Receiv	- -	- -	- -	- -	-1	- -	- -
+ (Inc) Dec in Inventories	- -	- -	- -	- -	- -	- -	- -
+ (Inc) Dec in Prepaid Assets	- -	- -	- -	- -	- -	- -	- -
+ Inc (Dec) in Accts Payable	- -	- -	- -	- -	- -	- -	- -
+ Inc (Dec) in Other	- -	- -	- -	- -	- -	- -	- -
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -
Cash from Operating Activities	11	12	13	14	13	3	8
+ Change in Fixed & Intang	- -	- -	- -	- -	- -	- -	- -
+ Disp in Fixed & Intang	- -	- -	- -	- -	- -	- -	- -
+ Disp of Fixed Prod Assets	- -	- -	- -	- -	- -	- -	- -
+ Disp of Intangible Assets	- -	- -	- -	- -	- -	- -	- -
+ Acq of Fixed & Intang	-1	- -	- -	- -	-1	-1	- -
+ Acq of Fixed Prod Assets	-1	- -	- -	- -	-1	-1	- -
+ Acq of Intangible Assets	- -	- -	- -	- -	- -	- -	- -
+ Cash (Repurchase) of Equity	- -	- -	- -	- -	-1	- -	- -
+ Increase in Capital Stock	- -	- -	- -	- -	- -	- -	- -
+ Decrease in Capital Stock	- -	- -	- -	- -	-1	- -	- -
+ Net Change in LT Investment	-4	-24	-255	23	78	65	5
+ Dec in LT Investment	134	107	84	84	78	65	49
+ Inc in LT Investment	-138	-131	-339	-61	- -	- -	-45
+ Net Cash From Acq & Div	- -	- -	- -	- -	- -	- -	- -
+ Cash from Divestitures	- -	- -	- -	- -	- -	- -	- -
+ Cash for Acq of Subs	- -	- -	- -	- -	- -	- -	- -
+ Cash for JVs	- -	- -	- -	- -	- -	- -	- -
+ Other Investing Activities	-6	-27	79	-17	-27	30	11
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -
Cash from Investing Activities	-11	-52	-176	6	50	95	16
+ Dividends Paid	-2	-2	-1	-3	-2	-1	-2
+ Net Cash From Debt	- -	- -	- -	- -	160	-160	- -
+ Cash From Debt	- -	- -	- -	- -	201	100	- -
+ Repayments of Debt	- -	- -	- -	- -	-41	-260	- -
+ Other Financing Activities	6	187	84	24	-213	-50	10
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -
Cash from Financing Activities	4	184	83	21	-56	-211	8
Effect of Foreign Exchange Rates	- -	- -	- -	- -	- -	- -	- -
Net Changes in Cash	3	144	-81	40	6	-114	32
EBITDA	- -	- -	- -	- -	- -	- -	- -
EBITDA Margin (%)	- -	- -	- -	- -	- -	- -	- -
Free Cash Flow	10	11	12	13	12	2	7
Net Cash Paid for Acquisitions	- -	- -	- -	- -	- -	- -	- -
Free Cash Flow to Firm	10	11	12	13	12	2	7
Free Cash Flow to Equity	- -	11	12	13	172	-158	7
Free Cash Flow per Basic Share	1.72	1.98	2.15	2.31	2.09	0.38	1.31
Price/Free Cash Flow	8.84	7.23	7.26	4.72	4.55	15.94	7.04
Cash Flow to Net Income	1.02	2.81	1.22	1.49	2.14	0.85	3.11
Capital Expenditures	-1	- -	- -	- -	-1	-1	- -