Income statement
USD
Annual
| Metric | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|
| Revenue | 39M | 40M | 33M | 30M | 31M |
| Gross Profit | 30M | 33M | 33M | 30M | 30M |
| Operating Income | 4M | 8M | 12M | 14M | 5M |
| EBITDA | 5M | 8M | 13M | 14M | 6M |
| Net Income | 3M | 6M | 9M | 10M | 4M |
| EPS (Diluted) | — | — | — | — | — |
Financial Services
Live Price
Offline$0.0001
+0.00% today
1Y Change
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Window
No data
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Research Briefing
A compact read on the setup, peer context, quarterly changes, and recent earnings reaction.
Research Snapshot
Citizens Bancorp (Nevada City, CA) (CZNB) is a Financial Services stock with a market cap of $67.86M. The stock last traded around $0.00. Baseline metrics include revenue growth of -3.7%, EPS growth of -43.7%, a dividend yield of 0.0%. What stands out right now is revenue -3.7%, EPS -43.7%, free cash flow -81.7% with operating margin 9.8% and ROIC 1.3%. Valuation is more restrained than many high-expectation growth names at P/E 0.0 and price/sales 4.2. Overall, the current profile looks closer to a turnaround or cyclical reset than a generic broad-market placeholder. Stock Foundry combines CZNB price history, valuation, growth, dividend context, earnings, analyst forecasts, news, related Financial Services peers on this page.
Benchmark Comparison
Compare this ticker against a broad index, growth benchmark, or sector ETF using a shared 1Y normalization window.
CZNB
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Normalized return
SPY
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S&P 500
Excess Return
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Relative to SPY
CZNB Max Drawdown
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Trailing 1Y
SPY Max Drawdown
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Trailing 1Y
Uses the longest available daily history for CZNB and SPY.
Financial profile
Profitability, balance sheet stamina, and cash efficiency drawn from the latest filings.
FY Revenue
$30.9M
+1.9% YoY
FY Net Income
$4.1M
-60.2% YoY
Free Cash Flow
$11.1M
-8.5% YoY
Revenue Growth
-3.7%
EPS Growth
-43.7%
Gross Margin
90.6%
Net Margin
8.2%
Income statement
USD
| Metric | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|
| Revenue | 39M | 40M | 33M | 30M | 31M |
| Gross Profit | 30M | 33M | 33M | 30M | 30M |
| Operating Income | 4M | 8M | 12M | 14M | 5M |
| EBITDA | 5M | 8M | 13M | 14M | 6M |
| Net Income | 3M | 6M | 9M | 10M | 4M |
| EPS (Diluted) | — | — | — | — | — |
Balance sheet
USD
| Metric | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|
| Cash & Equivalents | 48M | 162M | 156M | 115M | 196M |
| Total Assets | 807M | 1.0B | 1.1B | 1.1B | 984M |
| Total Liabilities | 734M | 948M | 996M | 972M | 887M |
| Shareholder Equity | 73M | 71M | 59M | 96M | 97M |
| Total Debt | 0 | 0 | 0 | 0 | 0 |
| Net Debt | -48M | -162M | -156M | -115M | -196M |
Cash flow positioning
Latest Full Year
Operating Cash Flow
12M
-8.1% YoY
Capital Expenditures
467K
-1.5% YoY
Free Cash Flow
11M
-8.5% YoY
Key ratios
Gross Margin
90.6%
Operating Margin
9.8%
Net Margin
8.2%
ROE
1.8%
Debt / Equity
0.00x
Next Step
Use the numbers to decide whether this is a growth candidate, a quality compounder, or just an interesting outlier.