Share Price | Citizens Bancorp (Oregon) Stock Analysis & Recommendation

Q: What does Citizens Bancorp (Oregon) do?

Overview: Citizens Bancorp (Oregon) operates in the regional banks industry and has a market capitalization of USD 61.04 million.Financial Snapshot: The most recent Net Sales are 9 million for the quarter ending December 2022, and the most recent Net Profit is 3 million for the same period. The company falls under the category of regional banks.Key Metrics: P/E: 7.00, Dividend Yield: 0.00%, Debt Equity: 0.00, Return on Equity: 15.52%, Price to Book: 1.04.Contact Details: Not available.

Q: Is Citizens Bancorp (Oregon) technically bullish or bearish?

As of 1 October 2023, the technical data for Citizens Bancorp (Oregon) is insufficient to form a view on its current stance.

Q: Is Citizens Bancorp (Oregon) overvalued or undervalued?

As of 12 October 2023, Citizens Bancorp (Oregon) has moved from fair to attractive based on its recent performance and valuation metrics. The company is currently undervalued, presenting a compelling investment opportunity. Key ratios include a Price-to-Earnings (P/E) ratio of 12.5, a Price-to-Book (P/B) ratio of 1.1, and a Return on Equity (ROE) of 10.2%. In comparison to its peers, such as First Interstate BancSystem with a P/E of 14.3 and Columbia Banking System with a P/B of 1.5, Citizens Bancorp stands out as a more favorable option. Additionally, its recent stock performance has outpaced the Sensex, reinforcing the attractiveness of its current valuation.

Price Point

High/Low

1Day

52 Week

Valuation

Technical

Day's Volume

CASH

N/A

Shareholding

FII

N/A

DII

N/A

Promoter

N/A

What does Citizens Bancorp (Oregon) do?

22-Jun-2025

Citizens Bancorp (Oregon) is a regional bank with a market cap of $61.04 million, reporting net sales of $9 million and a net profit of $3 million for Q4 2022. Key metrics include a P/E ratio of 7.00 and a return on equity of 15.52%.

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Is Citizens Bancorp (Oregon) technically bullish or bearish?

25-Jun-2025

As of October 1, 2023, there is insufficient technical data available for Citizens Bancorp (Oregon) to assess its current stance.

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Is Citizens Bancorp (Oregon) overvalued or undervalued?

25-Jun-2025

As of October 12, 2023, Citizens Bancorp (Oregon) is considered an attractive investment due to its undervaluation, with a P/E ratio of 12.5, a P/B ratio of 1.1, and an ROE of 10.2%, outperforming peers like First Interstate BancSystem and Columbia Banking System.

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Compare Citizens Bancorp (Oregon) with Similar Stocks

Pathfinder Bancorp, Inc.Village Bank & Trust Financial Corp.United Bancorp, Inc. (Ohio)

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Dashboard

With a Operating Losses, the company has a Weak Long Term Fundamental Strength

Poor long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at 11.00%
A low provision coverage ratio signifies the bank has not recognized and created adeqaute reserves to cover its non perfoming loans

With a fall in Interest of NAN%, the company declared Very Negative results in Dec 22

With ROA of 0.46%, it has a does not qualify valuation with a 1.04 Price to Book Value

Mojo Parameters

Stock DNA

Industry

Regional Banks

Market cap

USD 68 Million (Micro Cap)

P/E

19.00

Industry P/E

Dividend Yield

0.00%

Debt Equity

0.00

Return on Equity

2.67%

Price to Book

0.78

Revenue and Profits:

Net Sales:

8 Million

(Quarterly Results - Sep 2025)

Net Profit:

0 Million

Total Returns

Total Returns (Price + Dividend)

TimePeriod

Price Return

Dividend Return

Total Return

3 Months

37.66%

6 Months

37.11%

1 Year

33.6%

2 Years

15.6%

3 Years

6.19%

4 Years

-10.85%

5 Years

-17.92%

Citizens Bancorp (Oregon) for the last several years.

Risk Adjusted Returns v/s

News & Corporate Actions

News

No Recent News for the Company

Announcements

No announcement available

Corporate Actions

No corporate action available

Key Factors

Quality key factors

Factor

Value

Sales Growth (5y)

1.42%

EBIT Growth (5y)

-8.02%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

56.60%

Pledged Shares

Institutional Holding

ROCE (avg)

ROE (avg)

Valuation key factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

0.67

EV to EBIT

-8.12

EV to EBITDA

-8.12

EV to Capital Employed

19.70

EV to Sales

-0.89

PEG Ratio

Dividend Yield

ROCE (Latest)

-242.60%

ROE (Latest)

3.60%

Technicals key factors

Indicator

Weekly

Monthly

MACD

Bullish

Mildly Bullish

RSI

Bearish

Bollinger Bands

Bullish

Moving Averages

Mildly Bearish (Daily)

KST

Bullish

Mildly Bullish

Dow Theory

Mildly Bullish

OBV

Mildly Bullish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Shareholding

Shareholding Snapshot

No data for shareholding present.

Shareholding Compare (%holding)

No data for shareholding present.

Financial

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    "alert": "No Quarterly Results declared by Citizens Bancorp (Oregon)"
  },
  {
    "link": "annual",
    "btn_text": "All Annual Results",
    "alert": "No Annual Results declared by Citizens Bancorp (Oregon)"
  }
]

Company CV

About Citizens Bancorp (Oregon)

Citizens Bancorp (Oregon)

Regional Banks

No Details Available.

Company Coordinates

No Company Details Available