Stock CBTN CITIZENS BANCORP INVESTMENT, INC.
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Financials Citizens Bancorp Investment, Inc.

Equities

CBTN

US17315T1007

Banks

Market Closed - OTC Markets
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 09:36:11 2024-05-15 am EDT 		5-day change 1st Jan Change
26.5 USD -1.85% Intraday chart for Citizens Bancorp Investment, Inc. 0.00% -15.87%
2020 Citizens Bancorp Investment, Inc. completed the acquisition of American Bancshares Corp. (Livingston, TN). CI
2020 Citizens Bank of Lafayette entered into a definitive agreement to acquire American Bancshares Corp. (Livingston, TN) from American Bancshares Corp. (Livingston, TN). CI

Valuation

Fiscal Period: December 2021 2022
Capitalization 1 264.2 235.5
Enterprise Value (EV) 1 276 294
P/E ratio 16.1 x 12.9 x
Yield 1.33% 0.4%
Capitalization / Revenue 4.72 x 4.26 x
EV / Revenue 4.93 x 5.32 x
EV / EBITDA - -
EV / FCF - -
FCF Yield - -
Price to Book 1.94 x 2.01 x
Nbr of stocks (in thousands) 5,872 5,887
Reference price 2 45.00 40.00
Announcement Date 4/13/22 3/23/23
1USD in Million2USD
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2018 2019 2020 2021 2022
Net sales 1 39.16 39.56 39.4 56 55.24
EBITDA - - - - -
EBIT - - - - -
Operating Margin - - - - -
Earnings before Tax (EBT) 1 15.18 14.12 13.2 20.88 23.09
Net income 1 12.02 11.23 10.84 16.74 18.64
Net margin 30.68% 28.39% 27.5% 29.89% 33.74%
EPS - 1.912 1.846 2.800 3.110
Free Cash Flow - - - - -
FCF margin - - - - -
FCF Conversion (EBITDA) - - - - -
FCF Conversion (Net income) - - - - -
Dividend per Share - - 0.5600 0.6000 0.1600
Announcement Date 3/23/20 3/23/20 4/13/21 4/13/22 3/23/23
1USD in Million
Estimates

Balance Sheet Analysis

Fiscal Period: December 2018 2019 2020 2021 2022
Net Debt 1 67.2 19.9 - 11.8 58.6
Net Cash position 1 - - 139 - -
Leverage (Debt/EBITDA) - - - - -
Free Cash Flow - - - - -
ROE (net income / shareholders' equity) - 10.3% 8.96% 12.7% 14.7%
ROA (Net income/ Total Assets) - 1.2% 0.95% 1.19% 1.26%
Assets 1 - 933.3 1,141 1,409 1,484
Book Value Per Share - 19.60 21.60 23.20 19.90
Cash Flow per Share - 3.240 3.930 4.330 4.050
Capex 1 1.98 3.53 1.25 0.72 0.81
Capex / Sales 5.06% 8.92% 3.17% 1.28% 1.47%
Announcement Date 3/23/20 3/23/20 4/13/21 4/13/22 3/23/23
1USD in Million
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

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1st Jan change Capi.
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