Citizens Bancorp

CZBC

CZBCCitizens Bancorp US flag

Other OTC

16.00

USD

- -

89.99MMarket Cap

Profitability (USD)

Profitability Ratios 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

Return on Common Equity (%)	- -	4.34	10.74	11.92	9.56	4.63	3.07
Return on Assets (%)	- -	0.46	1.01	0.86	0.59	0.37	0.3
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100
EBITDA Margin (%)	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	41.83	16.94	45.63	37.33	24.04	13.64	9.09
Profit Margin (%)	31.45	13.49	34.49	27.99	18.66	11.06	8.47
Net Income to Common Margin (%)	30.74	13.06	33.86	27.55	18.29	10.69	8.22
Effective Tax Rate (%)	24.8	20.35	24.4	25.02	22.39	18.92	6.89
Dvd Payout Ratio (%)	15.77	53.75	12.13	28.75	33.37	40.15	61.77
Sustainable Growth Rate (%)	- -	2.01	9.44	8.49	6.37	2.77	1.18

Credit (USD)

Credit Ratios 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 Debt	- -	- -	- -	- -	- -	- -	- -
ST Debt	- -	- -	- -	- -	- -	- -	- -
LT Debt	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	11.15	9.65	8.77	5.38	6.81	8.86	10.3
Long-Term Debt/Equity (%)	- -	- -	- -	- -	- -	- -	- -
Long-Term Debt/Capital (%)	- -	- -	- -	- -	- -	- -	- -
Long-Term Debt/Total Assets (%)	- -	- -	- -	- -	- -	- -	- -
Total Debt/Equity (%)	- -	- -	- -	- -	- -	- -	- -
Total Debt/Capital (%)	- -	- -	- -	- -	- -	- -	- -
Total Debt/Total Assets (%)	- -	- -	- -	- -	- -	- -	- -
Net Debt to Equity	-57.73	-202.39	-120.73	-265.49	-227.32	-65.66	-91.17
Net Debt/Capital (%)	-136.6	197.67	582.51	160.42	178.54	-191.21	-1,032.17
EBITDA	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	-1	- -	- -	- -	-1	-1	- -
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

Liquidity Ratios 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

Cash Ratio	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	11.15	9.65	8.77	5.38	6.81	8.86	10.3
Long-Term Debt/Equity (%)	- -	- -	- -	- -	- -	- -	- -
Long-Term Debt/Capital (%)	- -	- -	- -	- -	- -	- -	- -
Long-Term Debt/Total Assets (%)	- -	- -	- -	- -	- -	- -	- -
Total Debt/Equity (%)	- -	- -	- -	- -	- -	- -	- -
Total Debt/Capital (%)	- -	- -	- -	- -	- -	- -	- -
Total Debt/Total Assets (%)	- -	- -	- -	- -	- -	- -	- -
CFO/Total Liabilities	1.52	1.3	1.29	1.36	1.39	0.39	1.04
CFO/CapEx	9.22	24.69	27.27	27.73	9.2	4.04	21.7
Altman's Z-Score	0.21	0.15	0.15	0.15	0.16	0.19	0.19

Working Capital (USD)

Working Capital Ratios 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

Accounts Receivable Turnover	- -	- -	- -	- -	- -	- -	- -
Days Sales Outstanding	- -	- -	- -	- -	- -	- -	- -
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)

Enterprise Value 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

Market Capitalization	107	88	95	66	66	57	57
- Cash & Cash Equivalents	52	196	115	156	162	48	80
+ Preferred Equity and Hybrid Capital	2	2	2	2	2	2	2
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	57	-106	-18	-88	-94	10	-21
Total Capital	90	97	96	59	71	73	88
Total Debt/Capital (%)	- -	- -	- -	- -	- -	- -	- -
Total Debt / EV	- -	- -	- -	- -	- -	- -	- -
EV/Sales	1.71	- -	- -	- -	- -	0.34	- -
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	5.34	- -	- -	- -	- -	3.63	- -
EV/Free Cash Flow to Firm	4.82	- -	- -	- -	- -	2.91	- -
Diluted Market Cap	104	87	94	66	67	57	57
Diluted Enterprise Value	54	-107	-19	-88	-94	11	-21
EV per Share	10.07	- -	- -	- -	- -	1.86	- -
TTM Sales	33	30	30	33	33	30	29
TTM EBITDA	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	11	12	13	14	13	3	8
TTM Free Cash Flow to Firm	12	12	13	14	15	4	8

Multiples (USD)

Valuation Multiples 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

Price/Free Cash Flow	8.84	7.23	7.26	4.72	4.55	15.94	7.04
EV/EBIT	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	57	-106	-18	-88	-94	10	-21
Low Price	17.76	11.75	15.5	10.51	10.1	9.98	9.42
EV/Sales	1.71	- -	- -	- -	- -	0.34	- -
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	10.18	21.84	9.33	7.4	11.04	17.45	23.61
Price/Earnings Average	10.2	21.06	9.47	8.75	11.12	18.75	23.2
Price/Earnings High	10.78	26.74	10.27	10.73	13.92	20.62	24.06
Price/Earnings Low	9.57	16.55	8.61	6.64	9.44	17.18	21.92
Price/Book Value	1.21	0.92	1.02	1.17	0.95	0.79	0.67
Price/Book Value Average	1.22	0.89	1.03	1.38	0.96	0.85	0.65
Price/Book Value High	1.28	1.13	1.12	1.69	1.2	0.94	0.68
Price/Book Value Low	1.14	0.7	0.94	1.05	0.81	0.78	0.62
Price/Tangible Book Value	1.21	0.92	1.02	1.17	0.95	0.79	0.67
Price/Tangible Book Value Average	1.22	0.89	1.03	1.38	0.96	0.85	0.65
Price/Tangible Book Value High	1.28	1.13	1.12	1.69	1.2	0.94	0.68
Price/Tangible Book Value Low	1.14	0.7	0.94	1.05	0.81	0.78	0.62
Price/Sales	3.13	2.85	3.16	2.04	2.02	1.87	1.94
Price/Sales Average	3.14	2.75	3.21	2.41	2.03	2.01	1.91
Price/Sales High	3.31	3.49	3.48	2.95	2.55	2.21	1.98
Price/Sales Low	2.94	2.16	2.91	1.83	1.73	1.84	1.8
Price/Cash Flow	9.8	7.52	7.53	4.89	5.04	19.89	7.37
Price/Cash Flow Average	9.81	7.25	7.64	5.78	5.08	21.37	7.24
Price/Cash Flow High	10.37	9.21	8.29	7.08	6.36	23.5	7.5
Price/Cash Flow Low	9.2	5.7	6.95	4.38	4.31	19.58	6.84
Price/Free Cash Flow Average	8.85	6.97	7.37	5.58	4.58	17.13	6.92
Price/Free Cash Flow High	9.35	8.85	7.99	6.84	5.74	18.84	7.17
Price/Free Cash Flow Low	8.3	5.48	6.7	4.23	3.89	15.69	6.54
EV/Sales Average	1.71	- -	- -	- -	- -	0.48	- -
EV/Sales High	1.89	- -	- -	- -	- -	0.68	- -
EV/Sales Low	1.51	- -	- -	- -	- -	0.31	- -
EV/EBITDA Average	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -
Last Price	18.9	15.5	16.8	11.72	11.81	10.14	10.15
High Price	20	18.98	18.49	16.99	14.9	11.98	10.34
Enterprise Value Average	57	-110	-17	-75	-94	15	-22
Enterprise Value High	63	-87	-9	-58	-77	21	-20
Enterprise Value Low	50	-128	-26	-94	-104	9	-25

Profitability (USD)

Profitability Ratios 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

Return on Common Equity (%)	- -	4.34	10.74	11.92	9.56	4.63	3.07
Return on Assets (%)	- -	0.46	1.01	0.86	0.59	0.37	0.3
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100
EBITDA Margin (%)	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	41.83	16.94	45.63	37.33	24.04	13.64	9.09
Profit Margin (%)	31.45	13.49	34.49	27.99	18.66	11.06	8.47
Net Income to Common Margin (%)	30.74	13.06	33.86	27.55	18.29	10.69	8.22
Effective Tax Rate (%)	24.8	20.35	24.4	25.02	22.39	18.92	6.89
Dvd Payout Ratio (%)	15.77	53.75	12.13	28.75	33.37	40.15	61.77
Sustainable Growth Rate (%)	- -	2.01	9.44	8.49	6.37	2.77	1.18

Credit (USD)

Credit Ratios 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 Debt	- -	- -	- -	- -	- -	- -	- -
ST Debt	- -	- -	- -	- -	- -	- -	- -
LT Debt	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	11.15	9.65	8.77	5.38	6.81	8.86	10.3
Long-Term Debt/Equity (%)	- -	- -	- -	- -	- -	- -	- -
Long-Term Debt/Capital (%)	- -	- -	- -	- -	- -	- -	- -
Long-Term Debt/Total Assets (%)	- -	- -	- -	- -	- -	- -	- -
Total Debt/Equity (%)	- -	- -	- -	- -	- -	- -	- -
Total Debt/Capital (%)	- -	- -	- -	- -	- -	- -	- -
Total Debt/Total Assets (%)	- -	- -	- -	- -	- -	- -	- -
Net Debt to Equity	-57.73	-202.39	-120.73	-265.49	-227.32	-65.66	-91.17
Net Debt/Capital (%)	-136.6	197.67	582.51	160.42	178.54	-191.21	-1,032.17
EBITDA	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	-1	- -	- -	- -	-1	-1	- -
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

Liquidity Ratios 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

Cash Ratio	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	11.15	9.65	8.77	5.38	6.81	8.86	10.3
Long-Term Debt/Equity (%)	- -	- -	- -	- -	- -	- -	- -
Long-Term Debt/Capital (%)	- -	- -	- -	- -	- -	- -	- -
Long-Term Debt/Total Assets (%)	- -	- -	- -	- -	- -	- -	- -
Total Debt/Equity (%)	- -	- -	- -	- -	- -	- -	- -
Total Debt/Capital (%)	- -	- -	- -	- -	- -	- -	- -
Total Debt/Total Assets (%)	- -	- -	- -	- -	- -	- -	- -
CFO/Total Liabilities	1.52	1.3	1.29	1.36	1.39	0.39	1.04
CFO/CapEx	9.22	24.69	27.27	27.73	9.2	4.04	21.7
Altman's Z-Score	0.21	0.15	0.15	0.15	0.16	0.19	0.19

Working Capital (USD)

Working Capital Ratios 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

Accounts Receivable Turnover	- -	- -	- -	- -	- -	- -	- -
Days Sales Outstanding	- -	- -	- -	- -	- -	- -	- -
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)

Enterprise Value 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

Market Capitalization	107	88	95	66	66	57	57
- Cash & Cash Equivalents	52	196	115	156	162	48	80
+ Preferred Equity and Hybrid Capital	2	2	2	2	2	2	2
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	57	-106	-18	-88	-94	10	-21
Total Capital	90	97	96	59	71	73	88
Total Debt/Capital (%)	- -	- -	- -	- -	- -	- -	- -
Total Debt / EV	- -	- -	- -	- -	- -	- -	- -
EV/Sales	1.71	- -	- -	- -	- -	0.34	- -
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	5.34	- -	- -	- -	- -	3.63	- -
EV/Free Cash Flow to Firm	4.82	- -	- -	- -	- -	2.91	- -
Diluted Market Cap	104	87	94	66	67	57	57
Diluted Enterprise Value	54	-107	-19	-88	-94	11	-21
EV per Share	10.07	- -	- -	- -	- -	1.86	- -
TTM Sales	33	30	30	33	33	30	29
TTM EBITDA	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	11	12	13	14	13	3	8
TTM Free Cash Flow to Firm	12	12	13	14	15	4	8

Multiples (USD)

Valuation Multiples 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

Price/Free Cash Flow	8.84	7.23	7.26	4.72	4.55	15.94	7.04
EV/EBIT	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	57	-106	-18	-88	-94	10	-21
Low Price	17.76	11.75	15.5	10.51	10.1	9.98	9.42
EV/Sales	1.71	- -	- -	- -	- -	0.34	- -
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	10.18	21.84	9.33	7.4	11.04	17.45	23.61
Price/Earnings Average	10.2	21.06	9.47	8.75	11.12	18.75	23.2
Price/Earnings High	10.78	26.74	10.27	10.73	13.92	20.62	24.06
Price/Earnings Low	9.57	16.55	8.61	6.64	9.44	17.18	21.92
Price/Book Value	1.21	0.92	1.02	1.17	0.95	0.79	0.67
Price/Book Value Average	1.22	0.89	1.03	1.38	0.96	0.85	0.65
Price/Book Value High	1.28	1.13	1.12	1.69	1.2	0.94	0.68
Price/Book Value Low	1.14	0.7	0.94	1.05	0.81	0.78	0.62
Price/Tangible Book Value	1.21	0.92	1.02	1.17	0.95	0.79	0.67
Price/Tangible Book Value Average	1.22	0.89	1.03	1.38	0.96	0.85	0.65
Price/Tangible Book Value High	1.28	1.13	1.12	1.69	1.2	0.94	0.68
Price/Tangible Book Value Low	1.14	0.7	0.94	1.05	0.81	0.78	0.62
Price/Sales	3.13	2.85	3.16	2.04	2.02	1.87	1.94
Price/Sales Average	3.14	2.75	3.21	2.41	2.03	2.01	1.91
Price/Sales High	3.31	3.49	3.48	2.95	2.55	2.21	1.98
Price/Sales Low	2.94	2.16	2.91	1.83	1.73	1.84	1.8
Price/Cash Flow	9.8	7.52	7.53	4.89	5.04	19.89	7.37
Price/Cash Flow Average	9.81	7.25	7.64	5.78	5.08	21.37	7.24
Price/Cash Flow High	10.37	9.21	8.29	7.08	6.36	23.5	7.5
Price/Cash Flow Low	9.2	5.7	6.95	4.38	4.31	19.58	6.84
Price/Free Cash Flow Average	8.85	6.97	7.37	5.58	4.58	17.13	6.92
Price/Free Cash Flow High	9.35	8.85	7.99	6.84	5.74	18.84	7.17
Price/Free Cash Flow Low	8.3	5.48	6.7	4.23	3.89	15.69	6.54
EV/Sales Average	1.71	- -	- -	- -	- -	0.48	- -
EV/Sales High	1.89	- -	- -	- -	- -	0.68	- -
EV/Sales Low	1.51	- -	- -	- -	- -	0.31	- -
EV/EBITDA Average	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -
Last Price	18.9	15.5	16.8	11.72	11.81	10.14	10.15
High Price	20	18.98	18.49	16.99	14.9	11.98	10.34
Enterprise Value Average	57	-110	-17	-75	-94	15	-22
Enterprise Value High	63	-87	-9	-58	-77	21	-20
Enterprise Value Low	50	-128	-26	-94	-104	9	-25

Shares Outstanding	6	6	6	6	6	6	6
Diluted Weighted Avg Shares	6	6	6	6	6	6	6
Basic Weighted Avg Shares	6	6	6	6	6	6	6
Revenue per Share	6.04	5.43	5.32	5.75	5.85	5.43	5.23
EBITDA per Share	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -
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 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
Dividend per Share	0.34	0.4	0.25	0.48	0.38	0.25	0.28
Cash Flow per Share	1.93	2.06	2.23	2.4	2.34	0.51	1.38
Free Cash Flow per Basic Share	1.72	1.98	2.15	2.31	2.09	0.38	1.31
Cash & Equivalents per Share	9.22	34.67	20.39	27.54	29.1	8.63	14.2
Book Value per Share	15.58	16.78	16.55	10.03	12.45	12.8	15.24
Tangible Book Value per Share	15.58	16.78	16.55	10.03	12.45	12.8	15.24

Citizens Bancorp

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)