Citizens Bancorp Valuation
| CZBT Stock | USD 31.00 1.00 3.33% |
At this time, the firm appears to be undervalued. Citizens Bancorp shows a prevailing Real Value of $36.58 per share. The current price of the firm is $31.0. Our model approximates the value of Citizens Bancorp from analyzing the firm fundamentals such as Return On Equity of 0.0951, profit margin of 0.32 %, and Current Valuation of (10.06 M) as well as examining its technical indicators and probability of bankruptcy.
Undervalued
Today
Please note that Citizens Bancorp's price fluctuation is very steady at this time. Calculation of the real value of Citizens Bancorp is based on 3 months time horizon. Increasing Citizens Bancorp's time horizon generally increases the accuracy of value calculation and significantly improves the predictive power of the methodology used.
Citizens Bancorp's intrinsic value may or may not be the same as its current market price of 31.00, in which case there is an opportunity to profit from the mispricing, assuming the market price will eventually merge with its intrinsic value. | Historical | Market 31.0 | Real 36.58 | Hype 31.0 | Naive 31.06 |
The intrinsic value of Citizens Bancorp's stock can be calculated using various methods such as discounted cash flow analysis, price-to-earnings ratio, or price-to-book ratio. That value may differ from its current market price, which is determined by supply and demand factors such as investor sentiment, market trends, news, and other external factors that may influence Citizens Bancorp's stock price. It is important to note that the real value of any stock may change over time based on changes in the company's performance.
Estimating the potential upside or downside of Citizens Bancorp of helps investors to forecast how Citizens pink sheet's addition to their portfolios will impact the overall performance. We also use other valuation drivers to help us estimate the true value of Citizens Bancorp more accurately as focusing exclusively on Citizens Bancorp's fundamentals will not take into account other important factors: Citizens Bancorp Total Value Analysis
Citizens Bancorp of is currently forecasted to have valuation of (10.06 M) with market capitalization of 67.51 M, debt of 7.55 M, and cash on hands of 82.76 M. The negative valuation of Citizens Bancorp may imply that the market is not capable to price the future growth of the company or it is pricing it at zero value. It may also suggest that takeover valuation may not have captured all of the outstanding financial obligations of the company both on and off balance sheet. Investors should vigilantly validate all of the Citizens Bancorp fundamentals.| Takeover Price | Market Cap | Debt Obligations | Cash |
(10.06 M) | 67.51 M | 7.55 M | 82.76 M |
Citizens Bancorp Investor Information
The company has price-to-book (P/B) ratio of 0.98. Some equities with similar Price to Book (P/B) outperform the market in the long run. Citizens Bancorp last dividend was issued on the 30th of December 2022. Based on the analysis of Citizens Bancorp's profitability, liquidity, and operating efficiency, Citizens Bancorp of is not in a good financial situation at this time. It has a very high probability of going through financial hardship in December.Citizens Bancorp Asset Utilization
The asset utilization indicator refers to the revenue earned for every dollar of assets a company currently reports. Citizens Bancorp has an asset utilization ratio of 5.2 percent. This implies that the Company is making $0.052 for each dollar of assets. An increasing asset utilization means that Citizens Bancorp of is more efficient with each dollar of assets it utilizes for everyday operations.Citizens Bancorp Ownership Allocation
The market capitalization of Citizens Bancorp is $67.51 Million. Almost 98.95 percent of Citizens Bancorp outstanding shares are held by general public with 1.05 % by other corporate entities. Please take into account that even companies with profitable outlook can generate negative future returns on their equity. If the true value of the firm is less than the current market value, you may not be able generate positive returns on investment in the long run.Citizens Bancorp Profitability Analysis
The company reported the previous year's revenue of 17.57 M. Net Income was 5.63 M with profit before overhead, payroll, taxes, and interest of 17.57 M.About Citizens Bancorp Valuation
The pink sheet valuation mechanism determines Citizens Bancorp's current worth on a daily basis. In general, an absolute valuation approach attempts to find the value of Citizens Bancorp based exclusively on its fundamental and basic technical indicators. As compared to an absolute model, our relative valuation model uses a comparative analysis of Citizens Bancorp. We calculate exposure to Citizens Bancorp's market risk, different technical and fundamental indicators, and relevant financial multiples and ratios and then compare them to those of Citizens Bancorp's related companies.Citizens Bancorp of Virginia, Inc. operates as the bank holding company for Citizens Bank and Trust Company that provides commercial banking products and services to businesses and individuals in the United States. The company was founded in 1873 and is headquartered in Blackstone, Virginia. Citizens Bancorp operates under BanksRegional classification in the United States and is traded on OTC Exchange.
8 Steps to conduct Citizens Bancorp's Valuation Analysis
Company's valuation is the process of determining the worth of any company in monetary terms. It estimates Citizens Bancorp's potential worth based on factors such as financial performance, market conditions, growth prospects, and overall economic environment. The result of company valuation is a single number representing a Company's current market value. This value can be used as a benchmark for various financial transactions such as mergers and acquisitions, initial public offerings (IPOs), or private equity investments. To conduct Citizens Bancorp's valuation analysis, follow these 8 steps:- Gather financial information: Obtain Citizens Bancorp's financial statements, including balance sheets, income statements, and cash flow statements.
- Determine Citizens Bancorp's revenue streams: Identify Citizens Bancorp's primary sources of revenue, including products or services offered, target markets, and pricing strategies.
- Analyze market data: Research Citizens Bancorp's industry and market trends, including the size of the market, growth rate, and competition.
- Establish Citizens Bancorp's growth potential: Evaluate Citizens Bancorp's management, business model, and growth potential.
- Determine Citizens Bancorp's financial performance: Analyze its financial statements to assess its historical performance and future potential.
- Choose a valuation method: Consider the Company's specific circumstances and choose an appropriate valuation method, such as the discounted cash flow (DCF) or comparable analysis method.
- Calculate the value: Apply the chosen valuation method to the financial information and market data to calculate Citizens Bancorp's estimated value.
- Review and adjust: Review the results and make necessary adjustments, considering any relevant factors that may have been missed or overlooked.
Citizens Bancorp Growth Indicators
Investing in growth stocks can be very risky. If the company such as Citizens Bancorp does not do well, investors take a loss on the stock when it is time to sell. Also, because growth stocks typically do not pay dividends, the only opportunity an investor has to make money on their investment is when they eventually sell their shares.
| Quarterly Earnings Growth Y O Y | 0.136 | |
| Retained Earnings | 60.9 M |
Additional Tools for Citizens Pink Sheet Analysis
When running Citizens Bancorp's price analysis, check to measure Citizens Bancorp's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Citizens Bancorp is operating at the current time. Most of Citizens Bancorp's value examination focuses on studying past and present price action to predict the probability of Citizens Bancorp's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Citizens Bancorp's price. Additionally, you may evaluate how the addition of Citizens Bancorp to your portfolios can decrease your overall portfolio volatility.