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Citizens Bancorp(OTC) CZBC

Current Price$15.51
Market Cap$85.52MMarket 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)+135%
5 Year+4%
1 Year+59%
1 Month+10%
Citizens Bancorp last closing stock price
MetricPriceDate
Last closeUSD 15.512026-07-24
Citizens Bancorp stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week+5.01%USD 14.772026-07-16
1 month+10.08%USD 14.092026-06-24
3 month+14.46%USD 13.552026-04-24
Year to date+52.81%USD 10.152025-12-29
1 year+59.22%USD 9.742025-07-23
3 year+43.64%USD 10.802023-07-20
5 year+4.48%USD 14.842021-07-19
Since inception+135%USD 6.602005-05-25

Citizens Bancorp Financials at a Glance

Market Cap

$85.52MMarket 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)

$34.03M

Net Income (TTM)

$2.58M

EPS (TTM)

$0.46

P/E Ratio

33.39

Dividend

$0.20

Beta (Volatility)

0.12 (Low)

Price

$15.51

Volume

100

Open

$15.51

Previous Close

$15.51

Daily Range

$15.51 - $15.51

52-Week Range

$9.42 - $16.00

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 quarterly revenue reached $8.13 million, indicating strong performance
  • Trailing twelve months (TTM) net income shows a steady increase
  • Expansion of services and branch locations supports future growth potential
Financial Highlights
  • TTM revenue of $34.5 million reflects consistent financial health
  • Net income for the latest quarter was $609,000, showcasing profitability
  • Dividend yield stands at 1.29%, appealing for income-focused investors
Citizens Bancorp has established itself as a reliable player in the regional banking sector, offering a comprehensive suite of financial services. The company's focus on both individual and business clients allows for a diversified revenue stream, which is crucial for stability and growth. Recent financial performance indicates a positive trajectory, with increasing revenues and net income, suggesting effective management and operational efficiency. The dividend yield also presents an attractive option for investors seeking income. Overall, Citizens Bancorp's strategic positioning and financial health make it a noteworthy consideration for potential investors.
AI Generated • Jul 26, 2026

Industry

Banks

Sector

Financials

CEO

Gordon Zimmerman, CPA

Website

www.citizensebank.com

Headquarters

Corvallis, OR 97339-0030, US

CZBC Financials

Key Financial Metrics (TTM)

Gross Margin

86.92%

Operating Margin

8.22%

Net Income Margin

7.59%

Return on Equity

3.03%

Return on Capital

2.34%

Return on Assets

0.32%

Earnings Yield

2.99%

Dividend Yield

1.29%

Payout Ratio

0.00%

Stock Overview

Market Cap

$85.52MMarket 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

5.51M

Volume

100

Avg. Volume

1.03K

Financials (TTM)

Gross Profit

$29.57M

Operating Income

$2.80M

EBITDA

$2.80M

Operating Cash Flow

$0.00

Capital Expenditure

$0.00

Free Cash Flow

$0.00

Cash & ST Invst.

$12.49M

Total Debt

$26.90M

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
Q22025-06-302.6%
Q32025-09-303.7%
Q42025-12-317.5%
Q12026-03-31-11.2%
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
Q22025-06-30-4.1%
Q32025-09-30-20.0%
Q42025-12-31150.0%
Q12026-03-31-44.4%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q1 2026YOY CHG

Revenue

$8.13M

+1.5%

Gross Profit

$7.20M

-0.9%

Gross Margin

88.55%

N/A

Market Cap

$85.52MMarket 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

$506.05K

N/A

Employees

169

N/A

Net Income

$609.00K

+17.8%

EBITDA

$724.00K

+20.7%

Quarterly Fundamentals

Name
Q1 2026YOY CHG

Total Cash

$12.49M

-75.1%

Total Debt

$26.90M

N/A

Accounts Receivable

$3.81M

+0.1%

Inventory

$0.00

N/A

Long Term Debt

$0.00

N/A

Short Term Debt

$26.90M

N/A

Return on Assets

0.32%

N/A

Return on Invested Capital

2.25%

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 $15.51 per share.

What is the 52-week range for Citizens Bancorp?

Over the past 52 weeks, Citizens Bancorp has traded between $9.42 and $16.00.

How much debt does Citizens Bancorp have?

As of the most recent reporting period, Citizens Bancorp reported total debt of $26.90M.

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 1.29%.

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