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Equity
Citizens Bancorp Investment Inc(CBTN)
USD --+0.00%
Reward49Moderate
Risk38Moderate
📊75%Data
Strong 30% profit margin · 2.4% dividend yield
CBTN
+0.0 · +0.00%
USD · OTCQX
Citizens Bancorp Investment Inc | Financial Services
Balanced
Market Cap:196.34M
ℹ️
Reward Rating
49
Moderate
Bottom 50% (model universe)
75% data coverage
ℹ️
Risk Rating
38
Moderate
Risk Assessment
ℹ️

Educational tool only – Scores are based on historical data and financial metrics for informational purposes. This is not financial advice or a recommendation to buy or sell any security. Always conduct your own research or consult a qualified financial adviser.

ℹ️ Educational tool only · More
Limited data coverage
We don't have enough public data on CBTN to score it reliably yet — Reward, Risk, Forecasts and Dividends tabs aren't available for this stock. The price chart and basic profile are still shown.
OTC / ADR stock — scores and fundamentals use data tagged in USD by our provider. The issuer may report in a different home currency (e.g. JPY), so treat figures as directional rather than precise.
Not available for limited-coverage stocks
The overview tab requires fundamentals and price history we don't have for this stock. The price chart is the most reliable view we have — try the Chart tab.

Market Performance

Stock returned +10.0% over the past year, broadly in line with market conditions.

What is Citizens Bancorp Investment Inc?

provides various banking products and services.

CBTN · Verdict

Moderate reward · moderate risk

CBTN stands out on cash flow and volatility, but watch the balance sheet signal.

Based on 88% data coverage

CBTN · Verdict

What’s working & what to watch

Strengths 3

  • Cash flow95/100

    31% net margin

  • Volatility95/100

    Top decile vs peers

  • Profitability70/100

    31% net margin · 12% ROE

Watchouts 3

  • Balance sheet19/100

    Weak vs peers

  • Valuation41/100

    Below average

  • Growth42/100

    Rev +6.4% CAGR · earnings +4.7%

Model-based scoring. For information only — not financial advice.

What is Citizens Bancorp Investment Inc?

provides various banking products and services. The company offers checking and savings accounts, certificates of deposits and individual retirement accounts, credit and debit cards, overdrafts, real-time processing, credit card member, and online and mobile banking services, as well as cash management, and personal and business services for individuals and businesses. The company is listed on the OTCQX in USA, operating in the Financial Services sector, with a market capitalisation of 196.34M, and a P/E ratio of 9.3x.

Financial Highlights

Investment Breakdown

📈 Growth
Moderate growth momentum — positive trajectory without breakout acceleration.
💰 Profitability
Strong margins and consistent earnings support financial stability.
⚠️ Risk
Risk profile appears balanced versus broad market conditions.
💸 Valuation
Discount reflects uncertainty around future performance.

OpenBook Logo Analysis

Reward: Moderate (49)

The scoring profile indicates limited reward potential at this time, with profitability and momentum offering the most support. Risk indicators are moderate, consistent with typical market exposure.

For informational purposes only. Not financial advice.

Company Information
SectorFinancial Services
Market Cap196.34M
P/E Ratio9.2618
Dividend Yield2.41%
52 Week High33.25
52 Week Low26.3074
Last AnnualDecember
IPO DateN/A
IncorporatedUSA
Shares Outstanding6M
No. of EmployeesN/A
IndustryBanks - Regional
ExchangeOTCQX
Beta0.076
CurrencyUSD
Websitewww.citizens-bank.org
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