Operates as a bank holding company for The Citizens Bank. Provides community banking services to individuals and businesses. Now — the numbers.
This is an established company with proven profits.
Average growth of 20% a year over the last 4 years. Every year shown ended in profit.
The market pays 9.2× for every dollar of annual profit — cheap, which is either an opportunity or a warning.
Fewer than three analyst price targets were published in the last 12 months, so none is shown.
The stock trades near its peak today. For long-term holders the ride has paid off so far — though past performance guarantees nothing about the future.
The net profit margin is 18% — still a thick cushion, though costs have been eating into it lately.
Over the last 4 years, sales grew about 20% a year on average.
It paid $0.90 per share over the last 12 months, with payments going back years without a break — regular cash for whoever holds the stock.
Our checks did not surface a specific risk to flag here. That is not the same as there being none.
No MoonshotScore has been computed for this stock yet, so there is no grade to show. The chapters above stand on the reported numbers.
The takeaway: CITZ is an established business that has proven its profits for years.
Not covered, because the filings we hold do not carry it: earnings execution, the revenue breakdown.