Citizens Bancorp (CZBC) Stock Analysis
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Citizens Bancorp (CZBC) trades at $16.10 with AI Score 49/100 (Grade C). Citizens Bancorp, headquartered in Corvallis, Oregon, operates as the holding company for Citizens Bank. Market cap: $90.5M, Sector: Financial services.
Price as of Aug 21, 2026 · Last analyzed: Mar 18, 2026Analyst Coverage for CZBC: CZBC does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates CZBC against Financial Services peers across nine fundamental dimensions and assigns an underweight signal based on the underlying data.
CZBC: 1/3 scored disciplines lean bearish. Dominant signal: Ray Dalio bullish.
How is this calculated? →Why this analysis is different
- A 9-signal quantitative MoonshotScore built from filings, insider activity, and market data — computed from the numbers, not from opinion.
- An AI Council read across up to eight perspectives — value, macro, quantitative, and momentum lenses — that shows where they disagree instead of averaging the tension away.
- Figures come straight from FMP and Yahoo Finance filings data. The AI writes the narrative around the numbers — it never edits the numbers.
Citizens Bancorp (CZBC) Financial Services Profile
Citizens Bancorp, through Citizens Bank, offers diverse banking solutions in Oregon, including personal and business accounts, various loan products, and online services. With a community-focused approach and a history dating back to 1957, CZBC navigates the competitive regional banking landscape while maintaining a modest market capitalization.
What Is the Investment Thesis for CZBC?
Citizens Bancorp (CZBC) presents a mixed investment case. The company's stable presence in the Oregon banking market and its diverse loan portfolio provide a degree of resilience. However, its relatively small market capitalization of $90.5M and a high P/E ratio of 32.63 suggest a potentially overvalued stock. The company's profit margin of 7.0% and gross margin of 88.3% indicate efficient operations, but future growth will depend on expanding its market share and navigating the competitive banking landscape. Key catalysts include potential expansion into new markets within Oregon and increased adoption of its online banking services. Investors should monitor the company's ability to maintain its dividend yield of 1.47% and manage risks associated with interest rate fluctuations and regulatory changes.
Based on FMP financials and quantitative analysis
CZBC Key Highlights
Market Cap of $90.5M indicates a small-cap company within the regional banking sector.
- P/E Ratio of 32.63 suggests a potentially high valuation compared to peers.
- Profit Margin of 7.0% reflects the company's ability to generate profit from its revenue.
- Gross Margin of 88.3% demonstrates efficient cost management in its banking operations.
- Dividend Yield of 1.47% provides a modest income stream for investors.
Who Are CZBC's Competitors?
CZBC is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| BBBK Baker Boyer Bancorp | $43.11 | +0.00% | $56.9M | 52 |
| CBWA Commencement Bancorp Inc. | $19.30 | +0.57% | $72.7M | 54 |
| CCBC Chino Commercial Bancorp | $18.05 | -0.82% | $69.6M | 48 |
| FRSB First Resource Bancorp Inc. | $25.50 | +0.00% | $78.7M | 66 |
| HBSI Highlands Bankshares, Inc. | $48.00 | +0.00% | $64.2M | 56 |
| HWBK Hawthorn Bancshares, Inc. | $39.44 | +0.19% | $272M | 92 |
| FRAF Franklin Financial Services Corporation | $62.10 | +0.40% | $279M | 92 |
| FUNC First United Corporation | $43.35 | -0.55% | $280M | 92 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are CZBC's Key Strengths?
Established presence in Oregon.
- Strong local relationships.
- Diverse loan portfolio.
- Personalized customer service.
What Are CZBC's Weaknesses?
Small market capitalization.
- Limited geographic reach.
- High P/E ratio.
- Dependence on the Oregon economy.
What Could Drive CZBC Stock Higher?
Potential expansion into new markets within Oregon could drive revenue growth.
- Increased adoption of online and mobile banking services can reduce operational costs.
- Strategic partnerships with local businesses can expand reach and service offerings.
What Are the Key Risks for CZBC?
Financial-distress signal — its Altman Z-Score of 0.23 sits in the distress zone (elevated bankruptcy risk).
- Competition from larger banks and credit unions could erode market share.
- Interest rate fluctuations could impact net interest margin.
- Regulatory changes could increase compliance costs.
- Economic downturn in Oregon could negatively impact loan demand.
- Limited liquidity in the OTC market could lead to price volatility.
What Are the Growth Opportunities for CZBC?
- Expansion within Oregon: Citizens Bancorp has the opportunity to expand its branch network and service offerings within Oregon. The Oregon banking market is growing, driven by population growth and economic development. By strategically opening new branches in underserved areas and offering specialized services tailored to local businesses and residents, Citizens Bancorp can increase its market share and revenue. This expansion could target specific sectors like agriculture or technology, leveraging the bank's expertise in these areas. Timeline: 2-3 years.
- Increased Adoption of Online and Mobile Banking: Citizens Bancorp can drive growth by increasing the adoption of its online and mobile banking services. As more customers embrace digital banking, the bank can reduce its operational costs and improve customer satisfaction. By investing in user-friendly interfaces, enhanced security features, and targeted marketing campaigns, Citizens Bancorp can attract new customers and encourage existing customers to switch to digital channels. This initiative aligns with the broader trend of digital transformation in the banking industry. Timeline: Ongoing.
- Strategic Partnerships: Citizens Bancorp can pursue strategic partnerships with local businesses and organizations to expand its reach and offer new services. By partnering with real estate developers, insurance companies, and financial advisors, the bank can provide integrated solutions to its customers and generate new revenue streams. These partnerships can also enhance the bank's brand awareness and reputation within the community. This collaborative approach can create mutually beneficial relationships and drive sustainable growth. Timeline: 1-2 years.
- Focus on Small Business Lending: Citizens Bancorp can capitalize on the growing demand for small business lending by offering tailored loan products and services to local entrepreneurs. Small businesses are a vital part of the Oregon economy, and they often require specialized financing solutions to grow and thrive. By developing expertise in small business lending and providing personalized support, Citizens Bancorp can attract new customers and build long-term relationships. This focus aligns with the bank's commitment to community development. Timeline: Ongoing.
- Enhanced Wealth Management Services: Citizens Bancorp can expand its wealth management services to cater to the growing affluent population in Oregon. By offering financial planning, investment management, and trust services, the bank can attract high-net-worth individuals and families and generate fee income. This expansion requires investing in skilled financial advisors and developing a comprehensive suite of wealth management products. The wealth management market in Oregon is competitive, but Citizens Bancorp can differentiate itself through its personalized service and local expertise. Timeline: 2-3 years.
What Are CZBC's Competitive Advantages?
- Established presence in the Oregon banking market.
- Strong relationships with local communities.
- Diverse loan portfolio.
- Personalized customer service.
What Does CZBC Do?
Citizens Bancorp, established in 1957, serves as the holding company for Citizens Bank, a regional bank providing a comprehensive suite of financial products and services to individuals and businesses. Headquartered in Corvallis, Oregon, the bank has deep roots in the communities it serves. Citizens Bank offers a variety of deposit accounts, including personal and business checking and savings accounts, catering to the diverse financial needs of its customer base. Its loan portfolio is equally diverse, encompassing personal loans like lines of credit and auto loans, business loans such as real estate and equipment financing, and mortgage loans for residential properties. Over the years, Citizens Bancorp has expanded its reach to operate 15 branches across several counties in Oregon, including Benton, Clackamas, Lane, Linn, Marion, Polk, Washington, and Yamhill. The bank has adapted to the evolving financial landscape by offering modern conveniences like online and mobile banking, along with services such as merchant processing and remote deposit capture. Citizens Bancorp differentiates itself through its commitment to community banking, focusing on building long-term relationships with its customers and supporting local economic growth. The bank faces competition from other regional and national banks, credit unions, and fintech companies, but it maintains a competitive edge through its personalized service and local market expertise.
What Products and Services Does CZBC Offer?
- Provides personal and business checking and savings accounts.
- Offers personal loans, including lines of credit and auto loans.
- Provides business loans for real estate, equipment, and working capital.
- Offers mortgage loans for residential properties.
- Provides online and mobile banking services.
- Offers merchant services and remote deposit capture.
- Provides bill pay and other financial services.
How Does CZBC Make Money?
- Generates revenue from interest income on loans.
- Earns fees from deposit accounts and other services.
- Manages risk through diversification of its loan portfolio.
- Focuses on building long-term relationships with its customers.
What Industry Does CZBC Operate In?
Citizens Bancorp operates in the regional banking sector, which is characterized by intense competition from larger national banks, credit unions, and emerging fintech companies. The industry is influenced by factors such as interest rate fluctuations, regulatory changes, and technological advancements. The regional banking market is experiencing consolidation, with larger banks acquiring smaller players to expand their market presence. Citizens Bancorp's focus on community banking and personalized service positions it to cater to customers who value local expertise and relationship-based banking. The bank must continue to adapt to changing customer preferences and invest in technology to remain competitive.
Who Are CZBC's Key Customers?
- Individuals seeking personal banking services.
- Small businesses requiring financing and banking solutions.
- Commercial clients needing loans and treasury management services.
- Residents of Oregon counties where it operates branches.
Company Profile
Citizens Bancorp operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Corvallis, US. The company is led by CEO K. Gordon Zimmerman. CZBC has traded publicly since 2007.
Key Financial Metrics
Return on equity for Citizens Bancorp stands at 3.0%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.3%, showing how much profit it generates from its asset base. CZBC trades at a trailing price-to-earnings ratio of 33.03, above the Financial Services sector average of ~18x. Its free cash flow yield is 0.0%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.11 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 3.0%, the inverse of the P/E and a quick read on earnings relative to price.
CZBC Valuation & Market Position
With a $90.5M market cap, Citizens Bancorp sits in the micro-cap segment of the market. Relative to its peer group, CZBC's quantitative score of 49/100 is roughly in line with the peer average of 55/100.
Quarterly Financial Performance: Citizens Bancorp
Revenue for Citizens Bancorp came in at $8.3M during Q2 2026, a 1.9% improvement versus the preceding quarter. The company recorded net income of $98K, with diluted EPS of $0.02. Quarter-over-quarter revenue has been mixed, typical for a micro-cap company operating in Financial Services. Across the four most recent quarters, CZBC averaged $0.09 in diluted EPS.
Financial Health
Citizens Bancorp's Piotroski F-Score is 4/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of 0.23 places it in the distress zone, a signal of elevated financial risk.
CZBC Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Established presence in Oregon.
- Strong local relationships.
- Diverse loan portfolio.
- Personalized customer service.
Bear Case
- Small market capitalization.
- Limited geographic reach.
- High P/E ratio.
- Dependence on the Oregon economy.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · August 2026
Recent Quarterly Results
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q2 2026 | $8M | $98,000 | $0.02 |
| Q1 2026 | $8M | $609,000 | $0.10 |
| Q4 2025 | $9M | $1M | $0.18 |
| Q3 2025 | $9M | $397,000 | $0.07 |
Based on FMP financials and quantitative analysis
CZBC Latest News
No recent news available for CZBC.
CZBC Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for CZBC.
Price Targets
Wall Street price target analysis for CZBC.
CZBC MoonshotScore
What does this score mean?
The MoonshotScore rates CZBC 0-100 on quantitative fundamentals — growth, financial health, valuation, momentum, and risk.
Leadership: K. Gordon Zimmerman
Unknown
Information about K. Gordon Zimmerman's background is not available in the provided data. Therefore, a detailed career history, education, previous roles, and credentials cannot be provided.
Track Record: Information about K. Gordon Zimmerman's track record is not available in the provided data. Key achievements, strategic decisions, and company milestones under their leadership cannot be provided.
CZBC OTC Market Information
The OTC Other tier represents the lowest tier of the OTC market, indicating that Citizens Bancorp may not meet the minimum financial standards or reporting requirements of higher tiers like OTCQX or OTCQB. Companies in this tier may have limited financial disclosure, making it more difficult for investors to assess their financial health and performance compared to companies listed on major exchanges like the NYSE or NASDAQ. Investing in OTC Other stocks carries higher risks due to the lack of regulatory oversight and transparency.
- OTC Tier: OTC Other
- Limited financial disclosure.
- Lower liquidity.
- Greater price volatility.
- Potential for fraud or manipulation.
- Lack of regulatory oversight.
- Verify the company's financial statements.
- Research the company's management team.
- Assess the company's business model and competitive landscape.
- Review the company's SEC filings (if any).
- Check for any legal or regulatory issues.
- Understand the risks associated with investing in OTC stocks.
- Consult with a financial advisor.
- Longevity of operations since 1957.
- Operation as a holding company for a bank.
- Physical presence with 15 branches in Oregon.
- Provision of standard banking services.
- Existence of a board of directors and management team.
CZBC Financial Services Stock FAQ
What does the AI Score mean for CZBC?
CZBC holds an AI Score of 49/100 (Grade: C). This is an educational research signal, not a buy or sell recommendation. Citizens Bancorp, headquartered in Corvallis, Oregon, operates as the holding company for Citizens Bank. It provides a range of banking products and services to individuals and businesses across …
What does Citizens Bancorp do?
Citizens Bancorp, through its subsidiary Citizens Bank, provides a range of banking products and services to individuals and businesses in Oregon. These services include checking and savings accounts, personal and business loans, and mortgage loans. The bank operates 15 branches across several counties in Oregon and offers online and mobile banking services.
What do analysts say about CZBC stock?
As of March 18, 2026, there is no readily available analyst consensus on Citizens Bancorp (CZBC) due to its OTC listing and smaller market capitalization. Investors should conduct their own due diligence and consider factors such as the company's financial performance, growth prospects, and risk factors.
What are the main risks for CZBC?
Citizens Bancorp faces several risks, including competition from larger banks and credit unions, interest rate fluctuations, regulatory changes, and economic downturns in Oregon. The company's small market capitalization and limited geographic reach make it vulnerable to these risks. Additionally, the OTC listing exposes investors to risks such as limited financial disclosure, lower liquidity, and greater price volatility.
What are the key factors to evaluate for CZBC?
Citizens Bancorp (CZBC) holds an AI score of 49/100 (low). Citizens Bancorp (CZBC) presents a mixed investment case. Not financial advice.
How frequently does CZBC data refresh on this page?
CZBC's price was last updated on Aug 21, 2026 and refreshes on page view during U.S. market hours — it is not a real-time exchange feed. Fundamentals update after quarterly filings; the MoonshotScore recalculates nightly; news aggregates continuously.
What has driven CZBC's recent stock price performance?
Citizens Bancorp (CZBC) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Established presence in Oregon. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider CZBC overvalued or undervalued right now?
Citizens Bancorp (CZBC) has no trailing P/E available here, so lean on price-to-sales and cash flow in the Financials tab. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
How do I research CZBC before investing?
Before investing in Citizens Bancorp (CZBC), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) analyst consensus ratings and price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Information is based on available data and may be limited due to the company's OTC listing.
- AI analysis is pending and may provide additional insights in the future.