Stock fact sheet · data as of
Citizens Bancorp Investment, Inc. (CBTN): fair value, margin of safety and Wheel Score
Ticker symbol CBTN · Financial Services · Banks - Regional · United States · Blend
Is CBTN undervalued?
CBTN has a margin of safety of 40%: the stock closed at 36.00 on 5 Nov 2026 against a GLS average fair value of 60.37. 7 of the 9 valuation models that produced a number sit above the price. Our scans treat a discount this large as a strong starting point for a cash-secured put, not as a verdict - the fair value is a model output, and a wide gap can mean the models are missing something the market knows.
There is a wide gap between DDM (11.77) and Payback Time (106.18). When the models are this far apart the "fair value" is really a range, and the margin of safety above should be read with that range in mind.
Ranked against every other company we cover, neither cheapness nor growth clearly wins for CBTN, so the nightly engine files it under Blend (value score 71, growth score 74, out of 100).
Nine valuation models for CBTN
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | 76.99 | +114% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 52.06 | +45% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 68.28 | +90% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 17.82 | -50% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 66.98 | +86% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 98.53 | +174% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 106.18 | +195% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | 11.77 | -67% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 44.68 | +24% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -192.23 | -634% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 0.0000 | -100% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
No Piotroski health score is on file for CBTN (the statements it needs were not available), so the Health part of the Wheel Score counts it at half marks - 10 of 20 - rather than marking the stock down for missing data. A GLS Moat score of 7.5/10 puts CBTN among the more durable businesses we track: over up to ten years its returns on capital have stayed high, its margins steady and its balance sheet sound.
Returns on capital are moderate - ROIC 7.1%, ROE 12.2%, ROA 1.2% - with debt at 0.71 times equity and negative free cash flow.
The dividend yield is 2.22% at a payout ratio of 0%; for a wheel trader holding assigned shares the dividend adds to the covered-call premium, and the ex-dividend date is worth knowing before a call is sold.
Institutional ownership scores 5/10, insider activity 5/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | - / 9 | ROIC | 7.1% |
|---|---|---|---|
| GLS Moat | 7.5 / 10 | ROE | 12.2% |
| Debt / equity | 0.71 | ROA | 1.2% |
| Free-cash-flow yield | 0.0% | Payout ratio | 0% |
| Institutions | 5 / 10 | Insiders · Congress | 5 · 5 / 10 |
Wheel Score 34: No options
No options are listed on Citizens Bancorp Investment, Inc. in our nightly snapshot, so it fails the first Wheel Trade Filter (options that actually trade) (it reads 34, under 70) and is left out of every options scan; the fair value and health figures above are still useful for a plain stock position.
Volume runs at 0k shares a day on a market cap of $213M, with a beta of 0.15 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score rates that fair.
| Filter | Wheel Trade Filter | Result | Detail |
|---|---|---|---|
| 1 | Options that actually trade | Fails | no listed options |
| 2 | A real business, not a gamble | Passes | Profitable over the last twelve months - not a speculative stock, fund or note |
| 3 | Below fair value | Passes | Trading below the nine-model average fair value (margin of safety above 0) |
| 4 | Financially healthy | Passes | Piotroski F-score 6 or more out of 9 (a company with no score on file passes) |
| 5 | Can repay its debt | Passes | Long-term debt repaid from 3 years of operating cash flow or less (6 for real estate and utilities; banks and insurers are not judged on it) |
| 6 | No serious red flags | Passes | Red Flags score 60 or more out of 100 (earnings, margins, debt, analysts, filings and price checked the same way for every stock) |
| 7 | A premium worth selling | Fails | no implied volatility |
| 8 | Big enough | Fails | market cap $213M (under $1.0B) |
| 9 | Not a penny stock | Passes | Share price $5 or more |
| How it ranks | Rating | From | |
|---|---|---|---|
| Value | Strong | 40% below fair value | |
| Premium | Weak | no option data | |
| Moat | Good | moat 7.5/10 | |
| Health | Fair | no Piotroski score on file - half marks | |
| Red Flags | Fair | not scored yet - half marks | |
| Option trading | Weak | no option volume data | |
| Stability | Fair | beta 0.15, $213M company |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls: a stock must pass all 9 Wheel Trade Filters to score 70, and the score then ranks the ones that pass; the Sunday Scan is the top 10. It is updated nightly and is not a recommendation. How the Wheel Score works · the walkthrough lesson shows how it fits into a trade, start to finish.
Upcoming events
No upcoming earnings date is recorded for CBTN in the nightly calendar.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Banks - Regional
The 12 companies below are the closest to Citizens Bancorp Investment, Inc. by market cap within the Banks - Regional industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| SOME Somerset Trust Holding Company | 84.28 | 140.29 | +40% | 33No options | $213M |
| KISB Kish Bancorp, Inc. | 70.75 | 116.84 | +39% | 33No options | $214M |
| HONT Honat Bancorp, Inc. | 150.00 | 220.02 | +32% | 37No options | $215M |
| FCAP First Capital, Inc. | 64.38 | 107.40 | +40% | 36No options | $215M |
| FXLG FS Bancorp | 53.00 | 104.41 | +49% | 36No options | $217M |
| CBFV CB Financial Services, Inc. | 41.20 | 40.65 | -1% | 18No options | $209M |
| PSBQ PSB Holdings, Inc. | 52.00 | 50.10 | -4% | 21No options | $209M |
| MSWV Main Street Financial Services Corp. | 28.00 | 50.31 | +44% | 34No options | $220M |
| PBNC PB Financial Corporation | 73.00 | 228.09 | +68% | 34No options | $221M |
| TYFG Tri-County Financial Group, Inc. | 84.00 | 91.66 | +8% | 25No options | $205M |
| MRBK Meridian Corporation | 17.12 | 38.18 | +55% | 30No options | $204M |
| RBKB Rhinebeck Bancorp, Inc. | 13.03 | 12.40 | -5% | 17No options | $204M |
⚖ Compare CBTN with 7 of them All Financial Services stocks →
Scan the whole market the same way
A free GLS Equity account gets you nightly fair value and the Wheel Score on ~7,400 US stocks, a watchlist, the scanner preview and the Sunday Scan - the top 10 stocks that pass all 9 Wheel Trade Filters, emailed every week. Pro adds the full put and call scanners, unlimited watchlists with alerts and the trade journal.
Start free See the Sunday ScanQuestions about CBTN
Is CBTN undervalued right now?
By the GLS models, yes: at 36.00 the stock is 40% below the average fair value of 60.37 (data as of 5 Nov 2026). Whether the discount is deserved is the question to research next.
What is the Wheel Score of CBTN and what does it mean?
CBTN has no listed options in our nightly snapshot, so it cannot be wheeled; it fails the first Wheel Trade Filter (options that actually trade), stays under 70 and is shown as "No options".
What is the GLS fair value for CBTN?
60.37 per share as of 5 Nov 2026 - the simple average of the 9 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does Citizens Bancorp Investment, Inc. report earnings next?
No upcoming earnings date is recorded for CBTN in our calendar as of 5 Nov 2026; the Calendars page is refreshed every morning.
Does CBTN have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on CBTN, so the wheel strategy cannot be run on it and the Wheel Score stays under 70.