Financial Services
Citizens Bancorp(CZBC)
Live Price
Offline$14.20
+0.00% today
1Y Change
+39.76%
Window
Jun 26, 2025 → Jun 23, 2026
- Market Cap
- $80.00M
- Revenue Growth
- -13.8%
- EPS Growth
- -26.3%
- Dividend Yield
- 1.4%
Coverage: 248 bars · Jun 26, 2025 → Jun 23, 2026
Research Briefing
A compact read on the setup, peer context, quarterly changes, and recent earnings reaction.
Research Snapshot
Citizens Bancorp (CZBC) is a Financial Services stock with a market cap of $80.00M and listed on OTC. The stock last traded around $14.20 and up 39.8% across the available one-year price window (Jun 26, 2025 → Jun 23, 2026). Baseline metrics include revenue growth of -13.8%, EPS growth of -26.3%, a dividend yield of 1.4%. What stands out right now is revenue -13.8%, EPS -26.3%, free cash flow +243.3% with operating margin 7.9% and ROIC 0.3%. The dividend is present but secondary, with a yield around 1.4%. Valuation already assumes a fairly strong business story at P/E 33.2 and price/sales 2.4. Overall, the current profile looks closer to a turnaround or cyclical reset than a generic broad-market placeholder. Stock Foundry combines CZBC 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
Below sector median
-13.8% vs +3.4% peer median
Operating Margin
Above sector median
+7.9% vs +4.7% peer median
What Changed This Quarter
Latest report context and the signals most likely to have changed the story.
The operating picture looks softer than before
Revenue is at -13.8% and EPS is at -26.3%, with operating margin around 7.9%.
Shareholder return is still part of the story
The stock is still offering a dividend yield around 1.4%, which matters if the thesis depends on income as much as growth.
Benchmark Edge
CZBC vs SPY, QQQ, and Sector ETFs
Normalized return, excess return, max drawdown, and calendar-year wins against the benchmarks investors actually use.
CZBC
—
Normalized return
SPY
--
S&P 500
Excess Return
--
Relative to SPY
CZBC Max Drawdown
-8.10%
Trailing 1Y
SPY Max Drawdown
—
Trailing 1Y
Calendar-Year Returns
Uses the longest available daily history for CZBC and SPY.
Company Overview
Citizens Bancorp
OTC
Citizens Bancorp of Oregon operates as a community bank, providing a broad range of financial products and services tailored to meet the needs of individuals, small businesses, and agricultural enterprises. Its primary function is to facilitate banking transactions, offer loan products, and serve the financial needs of its local community through personalized banking solutions. Citizens Bancorp plays a crucial role in the local economy, especially in financing small businesses and agricultural ventures that are vital to regional economic growth. The bank provides services such as checking and savings accounts, personal and commercial loans, and various other deposit products. With a focus on customer service and community involvement, Citizens Bancorp of Oregon positions itself as a key financial intermediary and contributor to the economic development in the area it serves. This local focus distinguishes it from larger national banks, allowing it to build closer relationships within the community.
- Leadership
- Mr. K. Gordon Zimmerman CPA
- Street Address
- PO Box 30, 275 South West, Third Street
- Mailing
- Corvallis, OR, 97339
- Region
- Corvallis, OR, United States
- Last Updated
- May 11, 2026
Key Fundamentals
Valuation, growth, profitability, and balance sheet signals.
Valuation
- P/E
- 33.2
- EV/EBITDA
- 36.0
- Price/Sales
- 2.4
- Price/Book
- 0.9
Growth
- Revenue
- -13.8%
- EPS
- -26.3%
- Free Cash Flow
- +243.3%
Profitability
- Gross Margin
- 87.4%
- Operating Margin
- 7.9%
- Net Margin
- 7.3%
- ROE
- 3.0%
- ROIC
- 0.3%
Balance Sheet
- Debt/Equity
- 0.30
- Current Ratio
- 0.65
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.