What is Citizens Bancorp Investment, Inc. (CBTN) stock price today?

Citizens Bancorp Investment, Inc. (CBTN) is currently trading at $36.00, up 0.56% today.

What is CBTN P/E ratio?

Citizens Bancorp Investment, Inc.'s P/E ratio is 9.81. This is below the market average, suggesting the stock may be undervalued relative to earnings.

What is CBTN return on equity (ROE)?

Citizens Bancorp Investment, Inc.'s return on equity (ROE) is 13.34%, indicating how efficiently the company generates profit from shareholders' equity. This is above the market average.

What is Citizens Bancorp Investment, Inc.'s market cap?

Citizens Bancorp Investment, Inc. has a market capitalization of $213.19M.

OTC · Banks - Regional

Citizens Bancorp Investment, Inc. (CBTN) Stock

$36.00 +0.56% OTC: CBTN Financial Services

Citizens Bancorp Investment, Inc. is a Tennessee-based financial institution offering a comprehensive range of banking and financial services.

Valuation

Metric	Value
Price	$36.00
Market Cap	$213.19M
P/E Ratio	9.81
P/B Ratio	1.19
P/S Ratio	2.03
EPS (TTM)	$3.67
52-Week High	$37.65
52-Week Low	$28.00
Dividend Yield	2.22%

Financials & Margins

Metric	Value
ROE	13.34%
ROA	1.26%
ROCE	9.37%
Gross Margin	63.50%
Operating Margin	25.51%
Net Margin	20.64%
Debt/Equity	0.50
Current Ratio	0.31

Annual Financials (USD)

Metric	2021	2022	2023	2024	2025
Revenue	$61.0M	$63.0M	$76.0M	$55.0M	$105.0M
Operating Profit	$21.0M	$23.0M	$18.0M	$55.0M	$27.0M
Net Profit	$17.0M	$19.0M	$15.0M	$16.0M	$21.0M
EPS	$2.80	$3.11	$2.45	$2.73	$3.59
Op Margin	34.3%	36.9%	23.5%	100.0%	25.7%

Balance Sheet (USD)

Metric	2021	2022	2023	2024	2025
Total Assets	$1.5B	$1.5B	$1.6B	$1.7B	$1.8B
Total Liabilities	$1.3B	$1.4B	$1.4B	$1.5B	$1.6B
Cash	$234.0M	$25.0M	$43.0M	$23.0M	$40.0M
Borrowings	$37.0M	$153.0M	$74.0M	$141.0M	$124.0M

Cash Flow (USD)

Metric	2021	2022	2023	2024	2025
Operating Cash Flow	$19.0M	$20.0M	$16.0M	$0	$25.0M
Investing Cash Flow	$-111.0M	$-252.0M	$-40.0M	$0	$-68.0M
Financing Cash Flow	$154.0M	$-19.0M	$52.0M	$0	$77.0M
Net Cash Flow	$41.0M	$-209.0M	$17.0M	$0	$14.0M
Free Cash Flow	$18.0M	$20.0M	$15.0M	$0	$23.0M

Valuation & Return Ratios

Metric	Value
PEG Ratio	-6.36
EV / EBITDA	—
FCF Yield	—
Quick Ratio	—
Interest Coverage	—
Return 1Y	31.85%
Return 3Y	14.18%
Return 5Y	—

Ownership

Insiders Held0.00%

Institutions Held0.06%

Institutions Float Held0.06%

Institutional Holder	Shares	Report Date
Siena Capital Partners GP, LLC	2,867	2026-03-31

Peer Comparison

Ticker	Price	Change	P/E	Market Cap	Div Yield
CBKMConsumers Bancorp, Inc.	$30.93	+3.17%	8.71	$97.27M	2.72%
CIWVCitizens Financial Corp.	$48.99	+1.96%	7.20	$83.25M	2.45%
CIZNCitizens Holding Company	$10.50	+2.04%	7.24	$59.05M	0.76%
CMTVCommunity Bancorp.	$43.20	-1.59%	12.71	$241.54M	2.49%
CNBBCNB Community Bancorp, Inc.	$50.84	+0.02%	8.25	$102.67M	2.68%

About Citizens Bancorp Investment, Inc.

Citizens Bancorp Investment, Inc. is a Tennessee-based financial institution offering a comprehensive range of banking and financial services. Its core offerings include essential deposit accounts like checking and savings, alongside certificates of deposit (CDs) and individual retirement accounts (IRAs). Clients also benefit from modern conveniences such as credit and debit cards, overdraft facilities, instant transaction processing, and accessible digital banking through online and mobile platforms. The company further provides tailored cash management and various personal and business solutions designed for both individual and commercial customers. Beyond these, the institution facilitates diverse lending options, including personal, mortgage, construction, agricultural, commercial, and officers' loans. Wealth management services are also a key component of their portfolio. With a network of 22 banking offices, the company predominantly serves Bedford, Clay, Coffee, DeKalb, Franklin, Jackson, Macon, Overton, Putnam, Smith, Sumner, and Wilson counties, as well as neighboring areas throughout Middle Tennessee. Citizens Bancorp Investment, Inc. was founded in 1909 and is headquartered in Lafayette, Tennessee.

Citizens Bancorp Investment, Inc. is headquartered in US.

Citizens Bancorp Investment, Inc. (CBTN) stock trades at $36.00 with a market capitalization of $213.19M. The stock is valued at a price-to-earnings (P/E) ratio of 9.81, price-to-book of 1.19, price-to-sales of 2.03. Over the past 52 weeks the stock has ranged between $28.00 and $37.65, and currently trades 4.4% below its 52-week high. It pays a dividend yielding 2.22%.

On profitability, Citizens Bancorp Investment, Inc. generates a return on equity (ROE) of 13.34%, above the typical market average, return on capital employed of 9.37%, an operating margin of 25.51%, a net profit margin of 20.64%.

Official website: www.wellworth.bank