Stock fact sheet · data as of
Citizens Bancorp (CZBC): fair value, margin of safety and Wheel Score
Financial Services · Banks - Regional · United States · Blend
Is CZBC undervalued?
CZBC closed at 16.00 on 16 Oct 2026, more than 30% above the GLS average fair value of 9.20. Only 2 of the 9 models that produced a value sit above the price. By our models the shares are priced well beyond what the filed earnings, cash flow and book value support; the Sunday Scan drops names like this at the "below fair value" rule.
The 9 models disagree widely: GLS Growth gives 1.12 while 10 Cap gives 27.19. A spread that wide means the average is sensitive to which methods you trust; the model table below shows where each one lands, and the Quote page lets you switch any of them off.
The nightly engine files CZBC under Blend.
Nine valuation models for CZBC
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 | 9.58 | -40% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 11.67 | -27% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 6.17 | -61% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 1.53 | -90% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 1.12 | -93% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 27.19 | +70% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 18.32 | +14% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | 2.94 | -82% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 4.25 | -73% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -129.59 | -910% | 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
Financial health is weak: CZBC passes 4 of the nine Piotroski tests. Our screens drop the stock at the health rule; a low score is often the reason a stock looks cheap on the valuation models. The GLS Moat score is low at 3.3 out of 10, which says the ten-year record of revenue, earnings, margins and returns on capital has been inconsistent - growth and shocks rather than steady compounding.
Returns on capital are thin or negative - ROIC 2.2%, ROE 2.8%, ROA 0.3% - with debt at 0.30 times equity and negative free cash flow.
The dividend yield is 1.25% with a payout ratio of 0% - a small yield that leaves most of the earnings in the business.
Institutional ownership scores 5/10, insider activity 5/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 4 / 9 | ROIC | 2.2% |
|---|---|---|---|
| GLS Moat | 3.3 / 10 | ROE | 2.8% |
| Debt / equity | 0.30 | ROA | 0.3% |
| Free-cash-flow yield | 0.0% | Payout ratio | 0% |
| Institutions | 5 / 10 | Insiders · Congress | 5 · 5 / 10 |
Wheel Score 20: No options
CZBC has no listed options in the nightly snapshot, so there is nothing to sell and the stock cannot be wheeled however good the business; the Wheel Score is capped at 39 and shown as "No options" (20 here). The valuation and quality numbers still apply to owning the shares outright.
Volume runs at 0k shares a day on a market cap of $90M, with a beta of 0.08 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score gives that 6 of 20.
| Part | Points | From | |
|---|---|---|---|
| Value | 0 / 25 | -74% margin of safety | |
| Health | 9 / 20 | Piotroski 4/9 | |
| Moat | 5 / 15 | moat 3.3/10 | |
| Premium | 0 / 20 | no option data | |
| Stability | 6 / 20 | 0k shares/day, $90M cap, beta 0.08 |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls; it is updated nightly and is not a recommendation. The walkthrough lesson shows how the score fits into a trade, start to finish.
Upcoming events
No upcoming earnings date is recorded for CZBC 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 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 |
|---|---|---|---|---|---|
| KLIB Killbuck Bancshares, Inc. | 171.75 | 440.65 | +61% | 39No options | $90M |
| KSBI KS Bancorp, Inc. | 81.55 | 161.11 | +49% | 39No options | $90M |
| ORPB Oregon Pacific Bancorp | 12.47 | 23.07 | +46% | 39No options | $90M |
| FUSB First US Bancshares, Inc. | 16.45 | 17.26 | +5% | 39No options | $91M |
| FSMK 1ST SUMMIT BANCORP of Johnstown, Inc. | 42.88 | 34.41 | -25% | 27No options | $91M |
| MCBK Madison County Financial, Inc. | 33.30 | 28.59 | -16% | 28No options | $89M |
| BKOR Oak Ridge Financial Services, Inc. | 32.40 | 42.01 | +23% | 39No options | $89M |
| FDSB Fifth District Savings Bank | 16.89 | 8.03 | -110% | 25No options | $88M |
| FNWB First Northwest Bancorp | 9.63 | 12.04 | +20% | 39No options | $92M |
| HMLN Hamlin Bank and Trust Company | 256.60 | 446.04 | +42% | 39No options | $92M |
| CZBT Citizens Bancorp of Virginia, Inc. | 43.55 | 71.84 | +39% | 39No options | $92M |
| AUBN Auburn National Bancorporation, Inc. | 26.47 | 34.04 | +22% | 39No options | $92M |
⚖ Compare CZBC with 7 of them All Financial Services stocks →
Screen 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 same eight-rule screen, 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 CZBC
Is CZBC undervalued right now?
No: at 16.00 the stock trades 74% above the GLS average fair value of 9.20 (data as of 16 Oct 2026), well beyond what trailing earnings, cash flow and book value support.
What is the Wheel Score of CZBC and what does it mean?
CZBC has no listed options in our nightly snapshot, so it cannot be wheeled; its Wheel Score is capped at 39 and shown as "No options".
What is the GLS fair value for CZBC?
9.20 per share as of 16 Oct 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 report earnings next?
No upcoming earnings date is recorded for CZBC in our calendar as of 16 Oct 2026; the Calendars page is refreshed every morning.
Does CZBC have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on CZBC, so the wheel strategy cannot be run on it and the Wheel Score is capped at 39.