/CZBC

CZBC Stock - Citizens Bancorp

Q: What is the analyst price target for CZBC?

Analyst price target information is not currently available for CZBC.

Q: What is CZBC's market cap?

Market capitalization information is not currently available for CZBC.

Financial Services|Banks - Regional|OTC

$9.90-1.00%

$0.10 (-1.00%) • Dec 19

GoAI Score

Weighted average: Momentum (25%) + Sentiment (35%) + Risk (20%) + Value (20%). ≥70 = BUY, ≤35 = SELL.

HOLD

Medium Confidence

Momentum

Momentum Score

Based on price vs 50-day MA (40%), 200-day MA (40%), and MA crossover (20%). Higher = stronger uptrend.

Sentiment

Sentiment Score

Based on analyst price target upside. 50 = neutral, 100 = very bullish (25%+ upside expected).

Risk Score

Based on stock beta (volatility). Higher score = lower risk. Red (<40) = high volatility, Green (>60) = stable.

100

Price Target

Average analyst price target from the last quarter. Shows expected upside/downside from current price.

+10.0%upside

Target: $10.89

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Financial Statements

Revenue & Profitability Trend

FY2020

FY2021

FY2022

FY2023

FY2024

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Revenue

Net Income (Profit)

Net Loss

Key Metrics

Market CapN/A

P/E RatioN/A

Beta0.11

52W High$10.34

52W Low$9.42

Avg VolumeN/A

Income Statement (Fiscal Year)

Metric	FY2024	FY2023	FY2022	FY2021	FY2020
Revenue	$38.79M	$40.27M	$32.98M	$30.37M	$30.95M
Gross Profit	$30.49M	$32.99M	$32.52M	$29.90M	$30.41M
Gross Margin	78.6%	81.9%	98.6%	98.5%	98.3%
Operating Income	$4.16M	$7.93M	$12.14M	$13.64M	$5.15M
Net Income	$3.37M	$6.15M	$9.10M	$10.31M	$4.10M
Net Margin	8.7%	15.3%	27.6%	34.0%	13.3%
EPS	$0.57	$1.03	$1.52	$1.73	$0.69

Company Overview

Citizens Bancorp operates as the holding company for Citizens Bank that provides various banking products and services to individuals and businesses. The company accepts personal and business checking and savings accounts. Its loan products include personal loans, such as personal lines of credit, credit cards, savings or CD secured loans, home equity lines of credit, property improvement loans, auto loans/recreational vehicle loans, and other personal loans; business loans comprising real estate loans, agricultural loans, equipment loans, inventory loans, working capital lines of credit, letters of credit, government sponsored loans, and other business loans; and mortgage loans. The company also provides online and mobile banking, merchant, bill pay, order check, merchant, remote deposit capture, and other financial services. It operates 15 branches in Benton, Clackamas, Lane, Linn, Marion, Polk, Washington, and Yamhill counties in Oregon. Citizens Bancorp was founded in 1957 and is headquartered in Corvallis, Oregon.

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Frequently Asked Questions about CZBC

What is CZBC's current stock price?

Citizens Bancorp (CZBC) is currently trading at $9.90 per share. The stock has moved -1.00% today.

What is the analyst price target for CZBC?

No analyst price targets are currently available for this stock.

What sector is Citizens Bancorp in?

Citizens Bancorp operates in the Financial Services sector, specifically within the Banks - Regional industry. The company is traded on the OTC exchange.

What is CZBC's market cap?

Citizens Bancorp has a market capitalization of $0.06 billion, making it a small-cap company.

Does CZBC pay dividends?

No, Citizens Bancorp does not currently pay a dividend to shareholders.