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Citizens Bancorp(OTC) CZBC

Market Cap$91.79MMarket 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)+145%
5 Year+12%
1 Year+67%
1 Month+5%
$16.20
+0.00%
+0.00Today
Citizens Bancorp last closing stock price
MetricPriceDate
Last closeUSD 16.202026-08-31
Citizens Bancorp stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week+1.25%USD 16.002026-08-21
1 month+4.52%USD 15.502026-07-29
3 month+13.68%USD 14.252026-06-02
Year to date+59.61%USD 10.152025-12-29
1 year+67.14%USD 9.692025-08-28
3 year+46.4%USD 11.072023-08-31
5 year+11.66%USD 14.512021-08-30
Since inception+145.45%USD 6.602005-05-25

Citizens Bancorp Financials at a Glance

Market Cap

$91.79MMarket 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

42.78

Dividend

$0.20

Beta (Volatility)

0.13 (Low)

Price

$16.20

Volume

4,810

Open

$15.63

Previous Close

$16.20

Daily Range

$15.60 - $16.44

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
Growth Outlook
  • Recent revenue growth of 1.5% from Q1 to Q2 2026
  • Strong demand for lending products supports future expansion
  • Investment in technology enhances customer experience and retention
Financial Highlights
  • Q2 2026 revenue of $8.28 million, up from $8.13 million in Q1
  • Net income of $98,000 in Q2 2026, reflecting operational stability
  • TTM net profit margin of 6.18%, indicating effective cost management
Citizens Bancorp has demonstrated resilience in its financial performance, with a steady increase in revenue and net income over recent quarters. The company's focus on diverse lending solutions and modern banking conveniences positions it well for future growth. With a strong market presence in Oregon and a commitment to enhancing customer experience through technology, Citizens Bancorp is poised to capitalize on emerging opportunities in the regional banking sector. The financial metrics indicate a stable operational framework, making it an intriguing option for potential investors.
AI Generated • Aug 26, 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

2.34%

Dividend Yield

1.23%

Payout Ratio

0.00%

Stock Overview

Market Cap

$91.79MMarket 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

4.81K

Avg. Volume

919.828

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

$91.79MMarket 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

$543.16K

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 $16.20 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 1.23%.

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