Citizens Bancorp logo

Citizens Bancorp(OTC) CZBC

Market Cap$90.38MMarket 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 (2005)+142%
5 Year+10%
1 Year+64%
1 Month-2%
$15.95
+0.06%
+0.01Today
Citizens Bancorp last closing stock price
MetricPriceDate
Last closeUSD 15.952026-10-06
Citizens Bancorp stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week+0%USD 15.952026-09-28
1 month-1.54%USD 16.202026-09-01
3 month+7.99%USD 14.772026-07-08
Year to date+57.14%USD 10.152025-12-29
1 year+64.4%USD 9.702025-10-06
3 year+44.14%USD 11.072023-08-31
5 year+10%USD 14.502021-09-22
Since inception+141.67%USD 6.602005-05-25

Citizens Bancorp Financials at a Glance

Market Cap

$90.38MMarket 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)

$34.09M

Net Income (TTM)

$2.11M

EPS (TTM)

$0.38

P/E Ratio

42.12

Dividend

$0.20

Beta (Volatility)

0.13 (Low)

Price

$15.95

Volume

1

Open

$15.46

Previous Close

$15.95

Daily Range

$15.45 - $15.95

52-Week Range

$9.54 - $16.44

Estimated Earnings Date

N/A

CZBC News

No articles available.

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About Citizens Bancorp

Citizens Bancorp, the parent company of Citizens Bank, provides a wide range of financial products and services for individual consumers and corporate clients. Established in 1957 and headquartered in Corvallis, Oregon, the company operates 15 branches across several counties in Oregon.

Products and Services
  • Checking and savings accounts for personal and business use
  • Diverse lending solutions, including consumer and business loans
  • Modern banking conveniences like online and mobile banking platforms
Growth Outlook
  • Revenue increased to $8.28 million in Q2 2026, up from $8.13 million in Q1 2026
  • Net income rose to $98,000 in Q2 2026, reflecting improved operational efficiency
  • Strong asset base with total assets of $823.4 million as of June 2026
Financial Highlights
  • Trailing twelve months (TTM) revenue of $33.5 million, indicating steady growth
  • Net profit margin of 6.18% TTM, showcasing effective cost management
  • Dividend yield of 1.25% TTM, providing a return to shareholders
Citizens Bancorp has demonstrated resilience and growth potential in the regional banking sector. The company's diverse product offerings cater to a wide range of customer needs, from personal banking to business financing. Recent financial performance indicates a positive trajectory, with increasing revenues and net income, suggesting effective management and operational strategies. The solid asset base further supports the company's stability and growth prospects. Investors may find Citizens Bancorp an intriguing option within the regional banking landscape.
AI Generated • Sep 25, 2026

Industry

Banks

Sector

Financials

CEO

Gordon Zimmerman, CPA

Website

www.citizensebank.com

Headquarters

Corvallis, OR 97339, US

CZBC Financials

Key Financial Metrics (TTM)

Gross Margin

84.99%

Operating Margin

6.61%

Net Income Margin

6.18%

Return on Equity

2.42%

Return on Capital

2.34%

Return on Assets

0.26%

Earnings Yield

2.37%

Dividend Yield

1.25%

Payout Ratio

0.00%

Stock Overview

Market Cap

$90.38MMarket 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

5.67M

Volume

1

Avg. Volume

681.831

Financials (TTM)

Gross Profit

$28.97M

Operating Income

$2.25M

EBITDA

$2.25M

Operating Cash Flow

$0.00

Capital Expenditure

$0.00

Free Cash Flow

$0.00

Cash & ST Invst.

$15.01M

Total Debt

$22.82M

Citizens Bancorp Performance Analysis

Citizens Bancorp annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 32,977,0008.6%
20232023-12-31USD 40,268,00022.1%
20242024-12-31USD 38,792,000-3.7%
20252025-12-31USD 33,448,000-13.8%
Citizens Bancorp sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-303.7%
Q42025-12-317.5%
Q12026-03-31-11.2%
Q22026-06-301.9%
Citizens Bancorp annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD 1.52-12.2%
20232023-12-31USD 1.03-32.3%
20242024-12-31USD 0.57-45.0%
20252025-12-31USD 0.42-26.4%
Citizens Bancorp sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-30-20.0%
Q42025-12-31150.0%
Q12026-03-31-44.4%
Q22026-06-30-82.2%

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

$8.28M

+0.7%

Gross Profit

$6.66M

-8.3%

Gross Margin

80.44%

N/A

Market Cap

$90.38MMarket 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

$534.78K

N/A

Employees

169

N/A

Net Income

$98.00K

-82.8%

EBITDA

$98.00K

-84.7%

Quarterly Fundamentals

Name
Q2 2026YOY CHG

Total Cash

$15.01M

-84.9%

Total Debt

$22.82M

+28.8%

Accounts Receivable

$3.92M

+8.4%

Inventory

$0.00

N/A

Long Term Debt

$0.00

N/A

Short Term Debt

$22.82M

+28.8%

Return on Assets

0.26%

N/A

Return on Invested Capital

0.28%

N/A

Free Cash Flow

$0.00

N/A

Operating Cash Flow

$0.00

N/A

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Questions About CZBC

What is the current price of Citizens Bancorp?

Citizens Bancorp is trading at $15.95 per share.

What is the 52-week range for Citizens Bancorp?

Over the past 52 weeks, Citizens Bancorp has traded between $9.54 and $16.44.

How much debt does Citizens Bancorp have?

As of the most recent reporting period, Citizens Bancorp reported total debt of $22.82M.

How much cash does Citizens Bancorp have on hand?

Citizens Bancorp does not have cash on hand data available.

What is Citizens Bancorp’s dividend yield?

Citizens Bancorp currently has a dividend yield of 1.25%.

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