Financial Services
Citizens Bancorp Investment Inc.(CBTN)
Live Price
Offline$35.23
+0.00% today
1Y Change
+23.60%
Window
Jun 25, 2025 โ Jun 23, 2026
- Market Cap
- $200.00M
- Revenue Growth
- +90.4%
- EPS Growth
- +32.2%
- Dividend Yield
- 2.3%
Coverage: 254 bars ยท Jun 25, 2025 โ Jun 23, 2026
Research Briefing
A compact read on the setup, peer context, quarterly changes, and recent earnings reaction.
Research Snapshot
Citizens Bancorp Investment Inc. (CBTN) is a Financial Services stock with a market cap of $200.00M and listed on OTC. The stock last traded around $35.23 and up 23.6% across the available one-year price window (Jun 25, 2025 โ Jun 23, 2026). Baseline metrics include revenue growth of +90.4%, EPS growth of +32.2%, a dividend yield of 2.3%. What stands out right now is revenue +90.4%, EPS +32.2%, free cash flow 0.0% with operating margin 25.5% and ROIC 7.8%. The dividend is present but secondary, with a yield around 2.3%. Valuation is more restrained than many high-expectation growth names at P/E 9.0 and price/sales 1.9. Stock Foundry combines CBTN price history, valuation, growth, dividend context, earnings, analyst forecasts, news, related Financial Services peers on this page.
Sector Context
How this name stacks up against nearby peers on first-pass metrics.
Revenue Growth
Above sector median
+90.4% vs +3.4% peer median
Operating Margin
Above sector median
+25.5% vs +4.7% peer median
What Changed This Quarter
Latest report context and the signals most likely to have changed the story.
Latest report is on the board
2025 was reported on Jun 30, 2025, but the surprise data is still limited.
The operating story is still moving forward
Revenue is running at +90.4% and EPS at +32.2%, with operating margin around 25.5%.
Shareholder return is still part of the story
The stock is still offering a dividend yield around 2.3%, which matters if the thesis depends on income as much as growth.
Earnings Reaction Memory
How the stock has tended to move after recent reports.
Across the last 3 reported quarters, the stock averaged 0.0% over the next 5 trading days and finished higher after 0 of those reports.
View quarter-by-quarter reaction table
| Quarter | EPS ฮ | 1D | 5D | 20D |
|---|---|---|---|---|
2025 Jun 30, 2025 | โ | +0.0% | +0.0% | +0.0% |
2025 Apr 30, 2025 | โ | +0.0% | +0.0% | +0.0% |
2024 Sep 30, 2024 | โ | +0.0% | +0.0% | +0.0% |
Benchmark Edge
CBTN vs SPY, QQQ, and Sector ETFs
Normalized return, excess return, max drawdown, and calendar-year wins against the benchmarks investors actually use.
CBTN
โ
Normalized return
SPY
--
S&P 500
Excess Return
--
Relative to SPY
CBTN Max Drawdown
-7.04%
Trailing 1Y
SPY Max Drawdown
โ
Trailing 1Y
Calendar-Year Returns
Uses the longest available daily history for CBTN and SPY.
Company Overview
Citizens Bancorp Investment Inc.
OTC
Citizens Bancorp Investment Inc. is a financial institution primarily engaged in providing a wide spectrum of banking services. Its predominant purpose centers around fulfilling the financial needs of individual consumers, businesses, and local communities. The company offers diverse banking products, including personal and business checking accounts, savings accounts, loans, mortgages, and investment services, designed to cater to varied customer requirements. The bank plays a vital role in promoting local economic development by empowering small and medium-sized enterprises (SMEs) through accessible credit facilities and financial advisory. It is actively involved in community engagement, often supporting local initiatives and fostering financial literacy programs. Citizens Bancorp Investment Inc.'s significance in the financial market is underscored by its commitment to sustainability and stability within the banking sector. It achieves this by adhering to strong financial principles, robust risk management, and maintaining a customer-centric approach. The institution consistently works towards enhancing customer experiences by integrating modern banking technologies and expanding its digital banking presence, thereby aligning with the evolving needs of the modern-day banking landscape.
- Leadership
- Mr. Peter G. Williston CPA
- Street Address
- 400 Highway 52 West
- Mailing
- Lafayette, TN, 37083
- Region
- Lafayette, TN, United States
- Last Updated
- May 7, 2026
Key Fundamentals
Valuation, growth, profitability, and balance sheet signals.
Valuation
- P/E
- 9.0
- EV/EBITDA
- 8.6
- Price/Sales
- 1.9
- Price/Book
- 1.1
Growth
- Revenue
- +90.4%
- EPS
- +32.2%
- Free Cash Flow
- 0.0%
Profitability
- Gross Margin
- 63.5%
- Operating Margin
- 25.5%
- Net Margin
- 20.6%
- ROE
- 13.0%
- ROIC
- 7.8%
Balance Sheet
- Debt/Equity
- 0.50
- Current Ratio
- 0.31
Earnings Reports
Latest News
Official Releases
Company announcements and filings-style updates.
Next Step
Keep the research moving
After the overview, the strongest next step is usually chart context or a tighter compare set.