AI Analysis

How does CBTN make money? Does CBTN have pricing power? What's the Earnings Whisper? Will CBTN profit more as the business scales? What is CBTN's management track record? Is CBTN's current price justified?

Citizens Bancorp Investment, Inc.

$35.5 +$5.19 (+17.12%)

OTC · 11 Sep 2026 20:00 UTC

Previous Close

$35.5

Day Range

$35.5 - $35.5

Year Range

$29$37.65

Market Cap

210.23M

AVG Volume

310

Trailing/Forward PE

9.06/-

PEG ratio

-5.87

Dividend Yield

2.23%

Next Earnings Date

Primary Exchange

Other OTC

Revenue (USD) · TTM

CBTN Revenue (USD) · TTM by quarter
Period	Revenue (USD) · TTM
24 Q3	80.03M
24 Q2	75.82M
24 Q1	71.71M
23 Q4	76.13M
23 Q3	72.69M
23 Q2	69.3M
23 Q1	65.64M
22 Q4	62.55M
22 Q3	59.7M
22 Q2	58.6M

Net Income (USD) · TTM

CBTN Net Income (USD) · TTM by quarter
Period	Net Income (USD) · TTM
24 Q3	15.19M
24 Q2	14.53M
24 Q1	14.25M
23 Q4	14.68M
23 Q3	15.64M
23 Q2	17.31M
23 Q1	17.89M
22 Q4	18.64M
22 Q3	17.96M
22 Q2	16.03M

Operating Income (USD) · TTM

CBTN Operating Income (USD) · TTM by quarter
Period	Operating Income (USD) · TTM
24 Q3	36.94M
24 Q2	36.08M
24 Q1	35.53M
23 Q4	17.86M
23 Q3	18.98M
23 Q2	21.13M
23 Q1	22.12M
22 Q4	23.08M
22 Q3	22.54M
22 Q2	20.01M

EBITDA (USD) · TTM

CBTN EBITDA (USD) · TTM by quarter
Period	EBITDA (USD) · TTM
24 Q3	49.34M
24 Q2	48.48M
24 Q1	47.93M
23 Q4	17.86M
23 Q3	18.98M
23 Q2	21.13M
23 Q1	22.12M
22 Q4	23.08M
22 Q3	22.54M
22 Q2	20.01M

EPS (USD) · TTM

CBTN EPS (USD) · TTM by quarter
Period	EPS (USD) · TTM
24 Q3	2.54
24 Q2	2.42
24 Q1	2.37
23 Q4	2.44
23 Q3	2.6
23 Q2	2.88
23 Q1	2.98
22 Q4	3.1
22 Q3	2.99
22 Q2	2.67

Expenses (USD) · TTM

CBTN Expenses (USD) · TTM by quarter
Period	Expenses (USD) · TTM
24 Q3	23.34M
24 Q2	23.11M
24 Q1	23M
23 Q4	22.72M
23 Q3	22.53M
23 Q2	22.39M
23 Q1	22.39M
22 Q4	21.93M
22 Q3	21.56M
22 Q2	21.7M

Dividends (USD)

CBTN Dividends (USD) by quarter
Period	Dividends (USD)
Jul 26	0.2
May 26	0.2
Feb 26	0.2
Oct 25	0.19
Jul 25	0.19
May 25	0.19
Jan 25	0.19
Oct 24	0.18
Jul 24	0.18
May 24	0.18

PE Ratio

CBTN PE Ratio by quarter
Period	PE Ratio
Sep 26	9.65
Sep 26	9.65
Aug 26	9.79
Aug 26	9.67
Aug 26	9.65
Aug 26	9.65
Jul 26	9.65
Jul 26	9.65
Jul 26	9.73
Jul 26	9.52
Jul 26	9.52
Jun 26	10.51
Jun 26	10.51
Jun 26	10.51
Jun 26	10.55
May 26	10.92
May 26	11.01
May 26	11.24
May 26	10
May 26	10.15
Apr 26	10.68
Apr 26	9.91
Apr 26	9.7
Apr 26	9.7
Mar 26	10.81
Mar 26	11.06
Mar 26	11.06
Mar 26	11.06
Feb 26	11.06
Feb 26	10.97
Feb 26	10.89
Feb 26	10.72
Jan 26	10.89
Jan 26	10.74
Jan 26	10.47
Jan 26	10.08
Jan 26	10.08
Dec 25	10.08
Dec 25	10.06
Dec 25	10.06
Dec 25	10.35
Nov 25	10.14
Nov 25	10.14
Nov 25	10.14
Nov 25	10.14
Oct 25	10.14
Oct 25	9.77
Oct 25	9.73
Oct 25	9.64
Oct 25	9.81
Sep 25	10.91
Sep 25	10.85
Sep 25	11.23
Sep 25	11.23
Aug 25	10.85
Aug 25	10.76
Aug 25	10.68
Aug 25	10.76
Aug 25	10.66
Jul 25	10.66
Jul 25	10.48
Jul 25	10.48
Jul 25	10.66
Jun 25	11.01
Jun 25	11.01
Jun 25	11.01
Jun 25	11.01
May 25	11.01
May 25	11.01
May 25	11.01
May 25	11.01
May 25	11.01
Apr 25	11.01
Apr 25	11.01
Apr 25	10.81
Apr 25	10.81
Mar 25	11
Mar 25	11.2
Mar 25	11.2
Mar 25	11.2
Feb 25	11.2
Feb 25	11.2
Feb 25	11.97
Feb 25	11.2
Jan 25	11.2
Jan 25	11.2
Jan 25	10.56
Jan 25	10.43
Jan 25	10.23
Dec 24	10.92
Dec 24	10.32
Dec 24	10.32
Dec 24	10.5
Nov 24	10.1
Nov 24	9.9
Nov 24	8.79
Nov 24	8.89
Nov 24	9.7
Oct 24	9.7
Oct 24	9.7

Price to Sales

CBTN Price to Sales by quarter
Period	Price to Sales
Sep 26	1.99
Sep 26	1.99
Aug 26	2.02
Aug 26	2
Aug 26	1.99
Aug 26	1.99
Jul 26	1.99
Jul 26	1.99
Jul 26	2.01
Jul 26	1.96
Jul 26	1.96
Jun 26	2.05
Jun 26	2.05
Jun 26	2.05
Jun 26	2.06
May 26	2.13
May 26	2.15
May 26	2.19
May 26	1.95
May 26	1.98
Apr 26	2.08
Apr 26	1.93
Apr 26	1.89
Apr 26	1.89
Mar 26	1.97
Mar 26	2.02
Mar 26	2.02
Mar 26	2.02
Feb 26	2.02
Feb 26	2
Feb 26	1.99
Feb 26	1.96
Jan 26	1.99
Jan 26	1.96
Jan 26	1.91
Jan 26	1.84
Jan 26	1.84
Dec 25	1.84
Dec 25	1.84
Dec 25	1.84
Dec 25	1.89
Nov 25	1.85
Nov 25	1.85
Nov 25	1.85
Nov 25	1.85
Oct 25	1.85
Oct 25	1.78
Oct 25	1.78
Oct 25	1.76
Oct 25	1.79
Sep 25	2.03
Sep 25	2.02
Sep 25	2.09
Sep 25	2.09
Aug 25	2.02
Aug 25	2
Aug 25	1.98
Aug 25	2
Aug 25	1.98
Jul 25	1.98
Jul 25	1.95
Jul 25	1.95
Jul 25	1.98
Jun 25	2.09
Jun 25	2.09
Jun 25	2.09
Jun 25	2.09
May 25	2.09
May 25	2.09
May 25	2.09
May 25	2.09
May 25	2.09
Apr 25	2.09
Apr 25	2.09
Apr 25	2.05
Apr 25	2.05
Mar 25	2.09
Mar 25	2.13
Mar 25	2.13
Mar 25	2.13
Feb 25	2.13
Feb 25	2.13
Feb 25	2.27
Feb 25	2.13
Jan 25	2.13
Jan 25	2.13
Jan 25	2
Jan 25	1.98
Jan 25	1.94
Dec 24	2.09
Dec 24	1.98
Dec 24	1.98
Dec 24	2.01
Nov 24	1.94
Nov 24	1.9
Nov 24	1.68
Nov 24	1.7
Nov 24	1.86
Oct 24	1.86
Oct 24	1.86

EV/EBITDA

CBTN EV/EBITDA by quarter
Period	EV/EBITDA
Sep 26	-5.65
Sep 26	-5.65
Aug 26	-5.54
Aug 26	-5.64
Aug 26	-5.65
Aug 26	-5.65
Jul 26	-5.65
Jul 26	-5.65
Jul 26	-5.59
Jul 26	-5.76
Jul 26	-5.76
Jun 26	-4.29
Jun 26	-4.29
Jun 26	-4.29
Jun 26	-4.26
May 26	-3.96
May 26	-3.89
May 26	-3.71
May 26	-4.71
May 26	-4.59
Apr 26	-4.16
Apr 26	-4.78
Apr 26	-4.94
Apr 26	-4.94
Mar 26	-4.8
Mar 26	-4.6
Mar 26	-4.6
Mar 26	-4.6
Feb 26	-4.6
Feb 26	-4.67
Feb 26	-4.73
Feb 26	-4.86
Jan 26	-4.73
Jan 26	-4.85
Jan 26	-5.06
Jan 26	-5.36
Jan 26	-5.36
Dec 25	-5.36
Dec 25	-5.38
Dec 25	-5.38
Dec 25	-5.15
Nov 25	-5.31
Nov 25	-5.31
Nov 25	-5.31
Nov 25	-5.31
Oct 25	-5.31
Oct 25	-5.6
Oct 25	-5.64
Oct 25	-5.7
Oct 25	-5.57
Sep 25	-2.47
Sep 25	-2.48
Sep 25	-2.37
Sep 25	-2.37
Aug 25	-2.48
Aug 25	-2.51
Aug 25	-2.54
Aug 25	-2.51
Aug 25	-2.54
Jul 25	-2.54
Jul 25	-2.6
Jul 25	-2.6
Jul 25	-2.54
Jun 25	-2.54
Jun 25	-2.54
Jun 25	-2.54
Jun 25	-2.54
May 25	-2.54
May 25	-2.54
May 25	-2.54
May 25	-2.54
May 25	-2.54
Apr 25	-2.54
Apr 25	-2.54
Apr 25	-2.6
Apr 25	-2.6
Mar 25	-2.55
Mar 25	-2.49
Mar 25	-2.49
Mar 25	-2.49
Feb 25	-2.49
Feb 25	-2.49
Feb 25	-2.25
Feb 25	-2.49
Jan 25	-2.49
Jan 25	-2.49
Jan 25	-2.68
Jan 25	-2.72
Jan 25	-2.78
Dec 24	-3.25
Dec 24	-3.43
Dec 24	-3.43
Dec 24	-3.37
Nov 24	-3.49
Nov 24	-3.55
Nov 24	-3.89
Nov 24	-3.86
Nov 24	-3.61
Oct 24	-3.61
Oct 24	-3.61

Price to Book

CBTN Price to Book by quarter
Period	Price to Book
Sep 26	1.18
Sep 26	1.18
Aug 26	1.19
Aug 26	1.18
Aug 26	1.18
Aug 26	1.18
Jul 26	1.18
Jul 26	1.18
Jul 26	1.19
Jul 26	1.16
Jul 26	1.16
Jun 26	1.19
Jun 26	1.19
Jun 26	1.19
Jun 26	1.19
May 26	1.23
May 26	1.24
May 26	1.27
May 26	1.13
May 26	1.15
Apr 26	1.21
Apr 26	1.12
Apr 26	1.1
Apr 26	1.1
Mar 26	1.21
Mar 26	1.24
Mar 26	1.24
Mar 26	1.24
Feb 26	1.24
Feb 26	1.23
Feb 26	1.22
Feb 26	1.2
Jan 26	1.22
Jan 26	1.2
Jan 26	1.17
Jan 26	1.13
Jan 26	1.13
Dec 25	1.13
Dec 25	1.12
Dec 25	1.12
Dec 25	1.16
Nov 25	1.13
Nov 25	1.13
Nov 25	1.13
Nov 25	1.13
Oct 25	1.13
Oct 25	1.09
Oct 25	1.09
Oct 25	1.08
Oct 25	1.1
Sep 25	1.11
Sep 25	1.11
Sep 25	1.15
Sep 25	1.15
Aug 25	1.11
Aug 25	1.1
Aug 25	1.09
Aug 25	1.1
Aug 25	1.09
Jul 25	1.09
Jul 25	1.07
Jul 25	1.07
Jul 25	1.09
Jun 25	1.12
Jun 25	1.12
Jun 25	1.12
Jun 25	1.12
May 25	1.12
May 25	1.12
May 25	1.12
May 25	1.12
May 25	1.12
Apr 25	1.12
Apr 25	1.12
Apr 25	1.1
Apr 25	1.1
Mar 25	1.12
Mar 25	1.14
Mar 25	1.14
Mar 25	1.14
Feb 25	1.14
Feb 25	1.14
Feb 25	1.21
Feb 25	1.14
Jan 25	1.14
Jan 25	1.14
Jan 25	1.07
Jan 25	1.06
Jan 25	1.04
Dec 24	1.15
Dec 24	1.08
Dec 24	1.08
Dec 24	1.1
Nov 24	1.06
Nov 24	1.04
Nov 24	0.92
Nov 24	0.93
Nov 24	1.02
Oct 24	1.02
Oct 24	1.02

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AI Analysis

Citizens Bancorp Investment, Inc.

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