Citizens Bancorp Investment, Inc.
General ticker "CBTN" information:
- Sector: Financials
- Industry: Banks - Regional
- Capitalization: $167.7M (TTM average)
Citizens Bancorp Investment, Inc. follows the US Stock Market performance with the rate: 23.0%.
Estimated limits based on current volatility of 1.3%: low 30.41$, high 31.21$
Factors to consider:
- Company pays dividends (quarterly): last record date 2025-10-29, amount 0.19$ (Y2.51%)
- Earnings for 18 months up through Q2 (+1 year) exceed our estimates
Stock Forecast*
* forecast is subjective and experimental, should not be used for any investment decisions
Long term estimates were made for the period from 2023-12-31 to 2025-12-30
- 2023-12-31 to 2024-12-30 estimated range: [24.05$, 34.29$]
- 2024-12-30 to 2025-12-30 estimated range: [23.38$, 33.71$]
Financial Metrics affecting the CBTN estimates:
- Positive: with PPE of 12.9 at the end of fiscal year the price was neutral
- Positive: Operating profit margin, % of 23.46 > 18.64
- Positive: Industry operating cash flow per share per price (median), % of 13.14 > 10.33
- Negative: Shareholder equity ratio, % of 8.65 <= 18.93
- Positive: 6.82 < Operating cash flow per share per price, % of 8.86
- Positive: -2.95 < Return on assets ratio (scaled to [-100,100]) of 0.94
- Positive: Industry inventory ratio change (median), % of 0 <= 0
- Positive: Inventory ratio change, % of 0 <= 0
Short-term CBTN quotes
Long-term CBTN plot with estimates
Financial data
| YTD | 2021-12-31 | 2022-12-31 | 2023-12-31 |
|---|---|---|---|
| Operating Revenue | $60.82MM | $62.56MM | $76.13MM |
| Operating Expenses | $39.94MM | $39.47MM | $58.27MM |
| Operating Income | $20.88MM | $23.09MM | $17.86MM |
| Interest Expense | $5.36MM | $6.00MM | $23.98MM |
| Income(Loss) | $20.88MM | $23.09MM | $17.86MM |
| Taxes | $4.14MM | $4.45MM | $3.18MM |
| Profit(Loss)* | $16.74MM | $18.64MM | $14.68MM |
| Stockholders Equity | $136.30MM | $116.96MM | $134.23MM |
| Assets | $1,481.08MM | $1,486.95MM | $1,551.65MM |
| Operating Cash Flow | $18.74MM | $20.33MM | $16.44MM |
| Capital expenditure | $0.72MM | $0.81MM | $1.13MM |
| Investing Cash Flow | $-110.50MM | $-251.47MM | $-39.23MM |
| Financing Cash Flow | $132.71MM | $22.47MM | $40.23MM |
| Earnings Per Share** | $2.85 | $3.17 | $2.49 |
* Profit(Loss) attributable to entity.
** EPS are Split Adjusted, recent splits may be reflected with a delay.