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Citizens Bancorp Investment(OTC) CBTN

Market Cap$209.83MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (2021)-20%
5 Year-19%
1 Year+27%
1 Month-1%
$35.55
+0.14%
+0.05Today
Citizens Bancorp Investment last closing stock price
MetricPriceDate
Last closeUSD 35.552026-08-19
Citizens Bancorp Investment stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week+0.14%USD 35.502026-08-12
1 month-1.25%USD 36.002026-07-20
3 month-5.58%USD 37.652026-05-20
Year to date+18.7%USD 29.952025-12-26
1 year+27.06%USD 27.982025-08-18
3 year+15.55%USD 30.772023-08-14
5 year-18.57%USD 43.662021-08-16
Since inception-19.58%USD 44.202021-08-13

Citizens Bancorp Investment Financials at a Glance

Market Cap

$209.83MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$107.75M

Net Income (TTM)

$23.19M

EPS (TTM)

$3.92

P/E Ratio

9.07

Dividend

$0.59

Beta (Volatility)

0.01 (Low)

Price

$35.55

Volume

300

Open

$35.55

Previous Close

$35.55

Daily Range

$35.55 - $35.55

52-Week Range

$28.75 - $37.65

Estimated Earnings Date

Apr 30, 2025

CBTN News

No articles available.

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About Citizens Bancorp Investment

Citizens Bancorp Investment, Inc. is a Tennessee-based financial institution that provides a wide array of banking and financial services. Established in 1909, the company serves individual and commercial clients through a network of 22 banking offices across Middle Tennessee.

Products and Services
  • Essential deposit accounts, including checking and savings
  • Diverse lending options, such as personal, mortgage, and commercial loans
  • Wealth management services tailored for individual and business clients
Growth Outlook
  • Revenue increased to $27.6 million in Q2 2026, up from $26.9 million in Q1 2026
  • Net income for Q2 2026 reached $5.8 million, reflecting strong operational efficiency
  • Return on equity stands at 13.34%, indicating effective capital utilization
Financial Highlights
  • Trailing twelve months (TTM) revenue of $107.5 million, showcasing consistent growth
  • Net profit margin of 21.52% for Q2 2026, demonstrating robust profitability
  • Dividend yield of 2.20%, providing attractive returns to shareholders
Citizens Bancorp Investment, Inc. has established itself as a reliable player in the regional banking sector. The company's diverse product offerings cater to a wide range of customer needs, from essential banking services to comprehensive wealth management solutions. Recent financial performance indicates a positive trajectory, with increasing revenues and strong net income figures. The solid return on equity further underscores the company's effective management and operational efficiency. With a competitive dividend yield, Citizens Bancorp Investment, Inc. presents an appealing opportunity for potential investors looking for stability and growth in the financial services sector.
AI Generated • Jul 31, 2026

Industry

Banks

Sector

Financials

CEO

Richard Lee Greslick, Jr.

Website

www.wellworth.bank

Headquarters

Lafayette, TN 37083, US

CBTN Financials

Key Financial Metrics (TTM)

Gross Margin

64.04%

Operating Margin

26.50%

Net Income Margin

21.52%

Return on Equity

13.34%

Return on Capital

8.98%

Return on Assets

1.26%

Earnings Yield

11.03%

Dividend Yield

1.66%

Payout Ratio

0.00%

Stock Overview

Market Cap

$209.83MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

5.90M

Volume

300

Avg. Volume

145.032

Financials (TTM)

Gross Profit

$69.01M

Operating Income

$28.56M

EBITDA

$28.56M

Operating Cash Flow

$24.66M

Capital Expenditure

-$1.23M

Free Cash Flow

$23.43M

Cash & ST Invst.

$484.74M

Total Debt

$112.27M

Citizens Bancorp Investment Performance Analysis

Citizens Bancorp Investment annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 62,582,0000.2%
20232023-12-31USD 76,130,00021.6%
20242024-12-31USD 92,981,00022.1%
20252025-12-31USD 104,675,00012.6%
Citizens Bancorp Investment sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22025-06-307.0%
Q42025-12-31N/A
Q12026-03-310.3%
Q22026-06-302.4%
Citizens Bancorp Investment annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD 3.1110.7%
20232023-12-31USD 2.45-21.3%
20242024-12-31USD 2.7311.5%
20252025-12-31USD 3.5931.7%
Citizens Bancorp Investment sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22025-06-3026.4%
Q42025-12-31N/A
Q12026-03-31-2.9%
Q22026-06-30-2.0%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q2 2026YOY CHG

Revenue

$27.56M

+11.4%

Gross Profit

$17.54M

+15.7%

Gross Margin

63.65%

N/A

Market Cap

$209.83MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$41.97M

N/A

Employees

5

N/A

Net Income

$5.81M

+35.7%

EBITDA

$7.32M

+32.4%

Quarterly Fundamentals

Name
Q2 2026YOY CHG

Total Cash

$484.74M

+11.3%

Total Debt

$112.27M

-19.6%

Accounts Receivable

$8.61M

+4.2%

Inventory

$0.00

N/A

Long Term Debt

$112.27M

-19.6%

Short Term Debt

$0.00

N/A

Return on Assets

1.26%

N/A

Return on Invested Capital

9.37%

N/A

Free Cash Flow

N/A

N/A

Operating Cash Flow

N/A

N/A

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Questions About CBTN

What is the current price of Citizens Bancorp Investment?

Citizens Bancorp Investment is trading at $35.55 per share.

What is the 52-week range for Citizens Bancorp Investment?

Over the past 52 weeks, Citizens Bancorp Investment has traded between $28.75 and $37.65.

How much debt does Citizens Bancorp Investment have?

As of the most recent reporting period, Citizens Bancorp Investment reported total debt of $112.27M.

How much cash does Citizens Bancorp Investment have on hand?

Citizens Bancorp Investment does not have cash on hand data available.

What is Citizens Bancorp Investment’s dividend yield?

Citizens Bancorp Investment currently has a dividend yield of 1.66%.

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