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Market Performance
Stock returned +10.0% over the past year, broadly in line with market conditions.What is Citizens Bancorp?
Citizens Bancorp operates as the bank holding company for Citizens Bank that provides various banking products and services to small to medium-sized businesses, professionals, and individuals.
CZBC · Verdict
Moderate reward · moderate risk
CZBC's standout is volatility; growth and balance sheet weigh on the picture.
Based on 88% data coverage
CZBC · Verdict
What’s working & what to watch
Strengths 1
- Volatility95/100
Top decile vs peers
Watchouts 3
- Growth28/100
Rev +8.5% CAGR · earnings -31.1%
- Balance sheet44/100
Interest covered 0.5×
- Profitability45/100
9% net margin · 3% ROE
Model-based scoring. For information only — not financial advice.
What is Citizens Bancorp?
Citizens Bancorp operates as the bank holding company for Citizens Bank that provides various banking products and services to small to medium-sized businesses, professionals, and individuals. It offers checking, individual retirement, savings, money market, and time deposit accounts; and certificates of deposit (CD). The company is listed on the PINK in USA, operating in the Financial Services sector, with a market capitalisation of 68.72M, and a P/E ratio of 31.5x.
Financial Highlights
Investment Breakdown
Analysis
Reward: Moderate (41)The scoring profile indicates limited reward potential at this time, with valuation and momentum offering the most support. Risk indicators are moderate, consistent with typical market exposure.
For informational purposes only. Not financial advice.