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Citizens Bancorp Investment, Inc. CBTN OTC

Other OTC • Financial Services • Banks - Regional • US • USD

SharesGrow Score

SharesGrow Intrinsic Value

Negative cash flow

Citizens Bancorp Investment, Inc. (CBTN) is a Banks - Regional company in the Financial Services sector, currently trading at $33.21. It has a SharesGrow Score of 69/100, indicating a above average investment profile with 4 out of 7 criteria passed.

Financials: revenue is $105M, +29.4%/yr average growth. Net income is $21M, growing at +7%/yr. Net profit margin is 20.4% (strong). Gross margin is 63.4% (-36.6 pp trend).

Balance sheet: total debt is $124M against $175M equity (Debt-to-Equity (D/E) ratio 0.71, moderate). Current ratio is 0.31 (tight liquidity). Debt-to-assets is 7.1%. Total assets: $1.8B.

SharesGrow 7-Criteria breakdown: Value 100/100 (Pass), Growth 83/100 (Pass), Past 100/100 (Pass), Health 17/100 (Fail), Moat 43/100 (Fail), Future ?/100 (Fail), Income 85/100 (Pass).

CBTN SharesGrow Score Overview

71/100

SharesGrow Score

Above average fundamentals

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VALUE 100/100

Valuation — P/E, PEG, Forward PEG

GROWTH 83/100

Financials — average growth

PAST 100/100

strong — trend

HEALTH 17/100

Balance sheet — Debt-to-Equity (D/E) ratio, Current ratio is

MOAT 43/100

Gross margin is + market cap

FUTURE 0/100

Analyst outlook — as buy

INCOME 85/100

Net profit margin is

Scores derived from financial statements, analyst ratings, and balance sheet data.

Score Breakdown — CBTN

CBTN trades at a trailing Price-to-Earnings (P/E) of N/A (S&P 500 average ~25). Composite: Price-to-Earnings (20%) + Forward Price/Earnings-to-Growth (35%) + upside (25%) + trailing PEG (20%). ≥ 60 = Pass.

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CBTN: +29.4%/yr revenue is, +7%/yr Net income is average growth. > 5%/yr — strong. Score: >20%/yr = 100, >10% = 80, >5% = 65, >0% = 45, < 0 = 15.

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CBTN: 4 / 4 years profitable. strong — 100%. Score = 4 / 4 × 100. ≥ 80 = Pass.

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Balance sheet CBTN: Debt-to-Equity (D/E) ratio 0.71 (moderate), Current ratio is 0.31 (tight liquidity). Debt-to-Equity < 0.5, Current Ratio > 1.5, Interest Coverage > 8x = ideal. ≥ 70 = Pass.

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CBTN: Gross margin is 63.4% (-36.6 pp trend), N/A market cap. Moat (0-100): margin (35%) + trend (15%) + market cap (30%) + revenue is (20%). Score 43/100. ≥ 70 = Pass.

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No analyst coverage available for this stock.

CBTN: Net profit margin is 20.4%. healthy (≥15%). Score: ≥30% = 100, ≥20% = 85, ≥15% = 70, ≥10% = 55, ≥5% = 45, ≥0% = 30, < 0 = 10.

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Stock Chart & Stats

Market Data

52-Week Range28-33.25

Volume350

Avg Volume (30D)140

Market Cap$196.08M

Beta (1Y)0.08

Dividend Yield$0.8000

Share Statistics

EPS (TTM)3.61

Shares Outstanding$5.92M

IPO Date2021-08-13

CEOPeter G. Williston

Financial Highlights & Ratios

Revenue (TTM)$104.72M

Gross Profit$66.34M

EBITDA$26.93M

Net Income$21.38M

Operating Income$26.93M

Total Cash$438.86M

Total Debt$124.47M

Net Debt$84.87M

Total Assets$1.76B

Price / Earnings (P/E)9.2

Price / Sales (P/S)1.87

Analyst Forecast

Company Info

CountryUS

ExchangeOther OTC

CurrencyUSD

ISINUS17315T1007

Price Chart

CBTN

Citizens Bancorp Investment, Inc. ↗ · Other OTC

Financial Services • Banks - Regional

28.00 52WK RANGE 33.25

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