Is Citizens Bancorp Investment, Inc. (CBTN) a Buy, Sell, or Hold?
OTC : CBTN
Citizens Bancorp Investment, Inc. — Financials
$36 USD
$0.2 (0.56%)
- Volume
- 2K
- Average Volume
- 235
- Market Capitalization
- $213.19M
- P/E Ratio
- 9.81
- Dividend Yield
- 2.17%
- Price Target
- Year High
- $37.65
- Year Low
- $28.00
- Day High
- —
- Day Low
- —
- Payout Ratio
- $0.00
- Current Ratio
- $0.31
CBTN Financial Statements
| date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 |
|---|---|---|---|---|---|---|---|---|
| revenue | 104.72M | 55.01M | 76.13M | 62.56M | 60.82M | 47.22M | 39.56M | 39.16M |
| costOfRevenue | 38.37M | 37.98M | 24.95M | 7.32M | 6.5M | 9.12M | 39.52M | - |
| grossProfit | 66.34M | 55.01M | 51.18M | 55.24M | 54.32M | 38.1M | 39562 | 39.16M |
| researchAndDevelopmentExpenses | - | - | - | - | - | - | - | - |
| generalAndAdministrativeExpenses | 24.52M | 23.44M | 22.15M | 21.44M | 21.22M | 15.87M | 3.06M | 2.92M |
| sellingAndMarketingExpenses | - | - | 571K | 484K | 355K | 294K | 559K | 499K |
| sellingGeneralAndAdministrativeExpenses | 24.52M | 24.04M | 22.72M | 21.93M | 21.57M | 16.16M | 21.38M | 19.98M |
| otherExpenses | 14.89M | 10.91M | 10.6M | 10.23M | 11.87M | 8.74M | 4.06M | - |
| operatingExpenses | 39.41M | 34.95M | 33.32M | 32.15M | 33.44M | 24.9M | 25.44M | 23.98M |
| costAndExpenses | 77.78M | 72.92M | 58.27M | 39.47M | 39.94M | 34.02M | 25.44M | 23.98M |
| netInterestIncome | 60.2M | 48.68M | 44.51M | 47.65M | 45.79M | 33.37M | - | - |
| interestIncome | 96.81M | 84.89M | 68.49M | 53.66M | 51.15M | 41.13M | - | - |
| interestExpense | 36.61M | 36.2M | 23.98M | 6M | 5.36M | 7.76M | - | - |
| depreciationAndAmortization | 1.35M | - | 1.3M | 1.32M | 1.35M | 1.08M | 882K | 990K |
| ebitda | 28.28M | 21.39M | 19.16M | 24.41M | 22.22M | 14.28M | 33.62M | 36.04M |
| ebit | 26.93M | 20.06M | 17.86M | 23.09M | 20.88M | 13.2M | 32.74M | 35.06M |
| nonOperatingIncomeExcludingInterest | - | 55.01M | - | - | - | - | -18.18M | -19.18M |
| operatingIncome | 26.93M | 55.01M | 17.86M | 23.09M | 20.88M | 13.2M | 14.56M | 15.87M |
| totalOtherIncomeExpensesNet | - | -34.94M | - | - | - | - | -443K | -693K |
| incomeBeforeTax | 26.93M | 20.06M | 17.86M | 23.09M | 20.88M | 13.2M | 14.12M | 15.18M |
| incomeTaxExpense | 5.55M | 3.82M | 3.18M | 4.45M | 4.14M | 2.36M | 2.89M | 3.16M |
| netIncomeFromContinuingOperations | 21.38M | 16.24M | 14.68M | 18.64M | 16.74M | 10.84M | 11.23M | 12.02M |
| netIncomeFromDiscontinuedOperations | - | - | - | - | - | - | - | - |
| otherAdjustmentsToNetIncome | - | - | - | - | - | - | - | - |
| netIncome | 21.38M | 16.24M | 14.68M | 18.64M | 16.74M | 10.84M | 11.23M | 12.02M |
| netIncomeDeductions | - | - | - | - | - | - | - | - |
| bottomLineNetIncome | 21.38M | 16.24M | 14.68M | 18.64M | 16.74M | 10.84M | 11.23M | 12.02M |
| eps | 3.61 | 2.73 | 2.49 | 3.17 | 2.85 | 1.85 | 1.91 | 2.05 |
| date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 |
|---|---|---|---|---|---|---|---|---|
| cashAndCashEquivalents | 39.6M | 22.6M | 42.6M | 25.16M | 233.82M | 192.86M | 19.04M | 18.68M |
| shortTermInvestments | 399.26M | 386.46M | 376.94M | 404.34M | 370.31M | 262.36M | - | - |
| cashAndShortTermInvestments | 438.86M | 412.11M | 419.54M | 429.5M | 604.13M | 455.23M | 19.04M | 18.68M |
| netReceivables | 9.08M | 8.24M | 8.55M | 7.12M | 5.28M | 6.37M | - | - |
| accountsReceivables | 9.08M | 8.24M | 7.35M | 6.16M | 4.82M | 5.92M | - | - |
| otherReceivables | - | - | 1.2M | 963K | 459K | 451K | - | - |
| inventory | - | - | - | - | - | - | - | - |
| prepaids | - | - | - | - | - | - | - | - |
| otherCurrentAssets | - | - | - | - | - | - | - | - |
| totalCurrentAssets | 447.94M | 420.36M | 428.08M | 436.62M | 609.41M | 461.59M | 19.04M | 18.68M |
| propertyPlantEquipmentNet | 19.11M | 19.61M | 19.93M | 20.1M | 20.62M | 21.23M | 13.76M | 11.03M |
| goodwill | 21.63M | - | 18.34M | 18.34M | 18.34M | 17.67M | 6.82M | 6.82M |
| intangibleAssets | - | 21.81M | 3.75M | 4.1M | 3.46M | 3.26M | 1.55M | 1.78M |
| goodwillAndIntangibleAssets | 21.63M | 21.81M | 22.08M | 22.44M | 21.8M | 20.93M | 8.37M | 8.6M |
| longTermInvestments | 1.22B | 1.16B | 1.04B | 967.57M | 801.33M | 266.06M | - | - |
| taxAssets | - | - | 10.57M | 12.67M | 871K | - | - | - |
| otherNonCurrentAssets | 50.6M | 1.63B | 35.76M | 27.54M | 27.05M | - | 902.48M | 884.43M |
| totalNonCurrentAssets | 1.31B | 1.67B | 1.12B | 1.05B | 871.67M | 308.22M | 924.61M | 904.07M |
| otherAssets | - | - | - | - | - | 567.61M | - | - |
| totalAssets | 1.76B | 1.67B | 1.55B | 1.49B | 1.48B | 1.34B | 943.64M | 922.75M |
| totalPayables | - | - | 3M | 1.14M | 1.15M | 1.74M | - | - |
| accountPayables | - | - | 3M | 1.14M | 1.15M | 1.74M | - | - |
| otherPayables | - | - | - | - | - | - | - | - |
| accruedExpenses | - | - | - | - | 1.15M | - | 1.07M | 799K |
| shortTermDebt | - | - | - | 70.2M | 22.9M | 39.11M | - | - |
| capitalLeaseObligationsCurrent | - | - | - | - | - | - | - | - |
| taxPayables | - | - | - | - | - | - | - | - |
| deferredRevenue | - | - | - | - | - | - | - | - |
| otherCurrentLiabilities | 1.45B | 1.37B | 1.33B | 1.28B | 1.3B | -79.97M | -1.07M | -799K |
| totalCurrentLiabilities | 1.45B | - | 1.34B | 1.35B | 1.33B | -39.11M | - | - |
| longTermDebt | 124.47M | 141.08M | 74.33M | 82.37M | 14.27M | 16.11M | 59.97M | 94.6M |
| capitalLeaseObligationsNonCurrent | - | - | - | - | - | - | - | - |
| deferredRevenueNonCurrent | - | - | - | - | - | - | - | - |
| deferredTaxLiabilitiesNonCurrent | - | - | - | - | - | 125K | - | - |
| otherNonCurrentLiabilities | 10.96M | 1.38B | 6.19M | -65.17M | 4.91M | 1.19B | 768.51M | 725.76M |
| totalNonCurrentLiabilities | 135.43M | 1.52B | 80.53M | 17.2M | 19.18M | 1.21B | 828.48M | 820.36M |
| otherLiabilities | - | - | - | - | - | 39.11M | - | - |
| capitalLeaseObligations | - | - | - | - | - | - | - | - |
| totalLiabilities | 1.59B | 1.52B | 1.42B | 1.37B | 1.34B | 1.21B | 828.48M | 820.36M |
| treasuryStock | - | - | - | - | - | - | - | - |
| preferredStock | - | - | - | - | - | - | - | - |
| commonStock | 295K | 172.56M | 295K | 294K | 294K | 294K | 294K | 294K |
| retainedEarnings | 180.86M | - | 151.97M | 141.05M | 126.18M | 112.96M | 105.43M | 97.22M |
| additionalPaidInCapital | 8.33M | - | 8.32M | 8.4M | 7.9M | 7.74M | 7.66M | 7.48M |
| date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 |
|---|---|---|---|---|---|---|---|---|
| netIncome | 21.38M | 16.24M | 14.68M | 18.64M | 16.74M | 10.84M | 11.23M | 12.02M |
| depreciationAndAmortization | 1.35M | - | 1.3M | 1.32M | 1.35M | 1.08M | 882K | 990K |
| deferredIncomeTax | -322K | - | -145K | 482K | 653K | -54000 | - | - |
| stockBasedCompensation | 81000 | - | 59000 | 119K | 153K | 64000 | 179K | - |
| changeInWorkingCapital | 1.65M | - | 91000 | -2.05M | 587K | 2.98M | 959K | 1.39M |
| accountsReceivables | -886K | - | -1.19M | -1.34M | 1.09M | -236K | 438K | -84000 |
| inventory | - | - | - | - | - | - | - | - |
| accountsPayables | -124K | - | 1.87M | -12000 | -593K | -571K | - | - |
| otherWorkingCapital | 2.66M | - | -588K | -700K | 86000 | 3.79M | 521K | 1.48M |
| otherNonCashItems | 523K | -16.24M | 457K | 1.82M | -738K | 2.9M | 1.7M | 3.17M |
| netCashProvidedByOperatingActivities | 24.66M | - | 16.44M | 20.33M | 18.74M | 17.81M | 14.95M | 17.56M |
| investmentsInPropertyPlantAndEquipment | -1.23M | - | -1.13M | -810K | -716K | -1.25M | -3.53M | -1.98M |
| acquisitionsNet | - | - | -67.25M | - | - | 36.79M | - | - |
| purchasesOfInvestments | -76.52M | - | -170K | -135.12M | -198.73M | -90.82M | - | - |
| salesMaturitiesOfInvestments | 81.46M | - | 36.18M | 53.38M | 83.81M | 77.34M | - | - |
| otherInvestingActivities | -70.54M | - | -6.86M | -168.92M | 5.15M | -4.9M | 184K | -13.55M |
| netCashProvidedByInvestingActivities | -66.83M | - | -39.24M | -251.47M | -110.5M | 17.15M | -3.35M | -15.54M |
| netDebtIssuance | -16.61M | - | -8.03M | 45.2M | -18.05M | -8.59M | -30.79M | -22.98M |
| longTermNetDebtIssuance | -16.61M | - | -8.03M | 45.2M | -18.05M | -8.59M | -30.79M | -22.98M |
| shortTermNetDebtIssuance | - | - | - | - | - | - | - | - |
| netStockIssuance | -55000 | - | - | 313K | - | - | - | - |
| netCommonStockIssuance | -55000 | - | - | 313K | - | - | - | - |
| commonStockIssuance | -55000 | - | - | 313K | - | - | - | - |
| commonStockRepurchased | - | - | - | - | - | - | - | - |
| netPreferredStockIssuance | - | - | - | - | - | - | - | - |
| netDividendsPaid | -4.48M | - | -4.01M | -3.76M | -3.52M | -3.29M | -3.05M | -2.58M |
| commonDividendsPaid | -4.48M | - | -4.01M | -3.76M | -3.52M | -3.29M | -3.05M | -2.58M |
| preferredDividendsPaid | - | - | - | - | - | - | - | - |
| otherFinancingActivities | 77.27M | - | 52.27M | -19.27M | 154.29M | 126.86M | 38.78M | 25.68M |
| netCashProvidedByFinancingActivities | 56.12M | - | 40.24M | 22.47M | 132.71M | 114.97M | 4.94M | 112K |
| date | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-06-30 | 2025-03-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 |
|---|---|---|---|---|---|---|---|---|---|---|
| revenue | 27.56M | 26.91M | 26.83M | 26.46M | 24.73M | 23.61M | 22.92M | 13.15M | 20.36M | 19.39M |
| costOfRevenue | 10.02M | 9.37M | 9.33M | 10.03M | 9.57M | 9.73M | 9.28M | 8.8M | 7.55M | 6.75M |
| grossProfit | 17.54M | 17.54M | 17.5M | 16.44M | 15.16M | 13.88M | 13.63M | 13.15M | 12.81M | 12.64M |
| researchAndDevelopmentExpenses | - | - | - | - | - | - | - | - | - | - |
| generalAndAdministrativeExpenses | 6.11M | 6.44M | 6.43M | 5.92M | 5.95M | 5.43M | 5.2M | 5.44M | 6.7M | 5.21M |
| sellingAndMarketingExpenses | - | - | - | - | - | - | - | - | - | - |
| sellingGeneralAndAdministrativeExpenses | 6.11M | 6.44M | 6.43M | 5.92M | 5.95M | 5.43M | 5.2M | 5.44M | 7.27M | 5.21M |
| otherExpenses | 4.1M | 3.89M | 3.99M | 3.56M | 3.67M | 3.3M | 3.2M | -14.57M | 1.26M | 3.15M |
| operatingExpenses | 10.22M | 10.34M | 10.42M | 9.48M | 9.62M | 8.73M | 8.4M | -9.12M | 8.53M | 8.36M |
| costAndExpenses | 20.23M | 19.71M | 19.75M | 19.51M | 19.2M | 18.46M | 17.68M | -9.12M | 16.08M | 15.11M |
| netInterestIncome | 16.27M | 15.69M | 15.8M | 15.24M | 13.54M | 12.24M | 12.05M | 11.12M | 11.3M | 10.95M |
| interestIncome | 25.56M | 24.7M | 24.84M | 24.37M | 22.82M | 21.68M | 20.87M | 19.46M | 18.63M | 17.44M |
| interestExpense | 9.29M | 9.01M | 9.04M | 9.13M | 9.28M | 9.44M | 8.82M | 8.33M | 7.34M | 6.49M |
| depreciationAndAmortization | - | - | - | - | - | - | - | 43276 | - | - |
| ebitda | 7.32M | 7.2M | 7.08M | 6.95M | 5.53M | 5.14M | 5.24M | 34.67M | 4.29M | 4.28M |
| ebit | 7.32M | 7.2M | 7.08M | 6.95M | 5.53M | 5.14M | 5.24M | 34.63M | 4.29M | 4.28M |
| nonOperatingIncomeExcludingInterest | - | - | - | - | - | - | - | -12.36M | - | - |
| operatingIncome | 7.32M | 7.2M | 7.08M | 6.95M | 5.53M | 5.14M | 5.24M | 22.27M | 4.29M | 4.28M |
| totalOtherIncomeExpensesNet | - | - | - | - | - | - | - | -18.25M | - | - |
| incomeBeforeTax | 7.32M | 7.2M | 7.08M | 6.95M | 5.53M | 5.14M | 5.24M | 4.02M | 4.29M | 4.28M |
| incomeTaxExpense | 1.51M | 1.31M | 992K | 1.56M | 1.25M | 1.1M | 1.13M | 786K | 493K | 897K |
| netIncomeFromContinuingOperations | 5.81M | 5.89M | 6.09M | 5.4M | 4.28M | 4.05M | 4.11M | 3.24M | 3.79M | 3.38M |
| netIncomeFromDiscontinuedOperations | - | - | - | - | - | - | - | - | - | - |
| otherAdjustmentsToNetIncome | - | - | - | - | - | - | - | - | - | - |
| netIncome | 5.81M | 5.89M | 6.09M | 5.4M | 4.28M | 4.05M | 4.11M | 3.24M | 3.79M | 3.38M |
| netIncomeDeductions | - | - | - | - | - | - | - | - | 1000 | - |
| bottomLineNetIncome | 5.81M | 5.89M | 6.09M | 5.4M | 4.28M | 4.05M | 4.11M | 3.24M | 3.79M | 3.38M |
| eps | 0.98 | 1 | 1.03 | 0.91 | 0.73 | 0.69 | 0.7 | 0.55 | 0.64 | 0.57 |
| date | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-06-30 | 2025-03-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-06-30 |
|---|---|---|---|---|---|---|---|---|---|---|
| cashAndCashEquivalents | 76.84M | 56.82M | 39.6M | 31.26M | 38.7M | 29.12M | 29.34M | 35.39M | 42.6M | 50.32M |
| shortTermInvestments | 407.9M | 393.2M | 399.26M | 395.4M | 396.67M | 402.78M | 384.81M | 376.87M | 376.94M | 388.67M |
| cashAndShortTermInvestments | 484.74M | 450.02M | 438.86M | 426.66M | 435.37M | 431.9M | 414.15M | 412.26M | 419.54M | 438.99M |
| netReceivables | 8.61M | 8.78M | 9.08M | 8.16M | 8.26M | 7.6M | 7.59M | 7.52M | 8.55M | 6.18M |
| accountsReceivables | 8.61M | 8.78M | 9.08M | 8.16M | 8.26M | 7.6M | 7.59M | 7.52M | 7.35M | 6.18M |
| otherReceivables | - | - | - | - | - | - | - | - | 1.2M | - |
| inventory | - | - | - | - | - | - | - | - | - | - |
| prepaids | - | - | - | - | - | - | - | - | - | - |
| otherCurrentAssets | - | - | - | - | - | - | - | - | - | - |
| totalCurrentAssets | 493.35M | 458.8M | 447.94M | 434.83M | 443.63M | 439.5M | 421.74M | 419.78M | 428.08M | 445.18M |
| propertyPlantEquipmentNet | 19.49M | 18.96M | 19.11M | 19.48M | 19.46M | 19.92M | 19.89M | 19.98M | 19.93M | 20.1M |
| goodwill | 21.84M | 21.8M | 21.63M | - | - | - | - | - | 18.34M | - |
| intangibleAssets | - | - | - | - | - | - | - | - | 3.75M | 22.32M |
| goodwillAndIntangibleAssets | 21.84M | 21.8M | 21.63M | 21.71M | 21.81M | 21.81M | 22.07M | 22.16M | 22.08M | 22.32M |
| longTermInvestments | 1.25B | 1.23B | 1.22B | 1.19B | 1.16B | 1.13B | 1.09B | 1.07B | 1.04B | 392.32M |
| taxAssets | - | - | - | - | - | - | - | - | 10.57M | - |
| otherNonCurrentAssets | 51.82M | 50M | 50.6M | 52.11M | 53.12M | 49.77M | 50.35M | 47.06M | 35.76M | -434.75M |
| totalNonCurrentAssets | 1.35B | 1.32B | 1.31B | 1.28B | 1.26B | 1.22B | 1.18B | 1.16B | 1.12B | 434.75M |
| otherAssets | - | - | - | - | - | - | - | - | - | 623.72M |
| totalAssets | 1.84B | 1.78B | 1.76B | 1.72B | 1.7B | 1.66B | 1.61B | 1.58B | 1.55B | 1.5B |
| totalPayables | - | - | - | - | - | - | - | - | 3M | - |
| accountPayables | - | - | - | - | - | - | - | - | 3M | - |
| otherPayables | - | - | - | - | - | - | - | - | - | - |
| accruedExpenses | - | - | - | - | - | - | - | - | - | - |
| shortTermDebt | - | - | - | - | - | - | - | - | - | - |
| capitalLeaseObligationsCurrent | - | - | - | - | - | - | - | - | - | - |
| taxPayables | - | - | - | - | - | - | - | - | - | - |
| deferredRevenue | - | - | - | - | - | - | - | - | - | - |
| otherCurrentLiabilities | 1.54B | 1.5B | 1.45B | 1.42B | 1.4B | 1.36B | 1.36B | 1.37B | 1.33B | 1.3B |
| totalCurrentLiabilities | 1.54B | 1.5B | 1.45B | 1.42B | 1.4B | 1.36B | 1.36B | 1.37B | 1.34B | - |
| longTermDebt | 112.27M | 89.64M | 124.47M | 124.26M | 139.66M | 139.17M | 98.1M | 60.26M | 74.33M | 66.57M |
| capitalLeaseObligationsNonCurrent | - | - | - | - | - | - | - | - | - | - |
| deferredRevenueNonCurrent | - | - | - | - | - | - | - | - | - | - |
| deferredTaxLiabilitiesNonCurrent | - | - | - | - | - | - | - | - | - | - |
| otherNonCurrentLiabilities | 9.84M | 9.58M | 10.96M | 9.7M | 9.39M | 9.95M | 8.97M | 8.44M | 6.19M | -66.57M |
| totalNonCurrentLiabilities | 122.11M | 99.22M | 135.43M | 133.96M | 149.05M | 149.13M | 107.08M | 68.7M | 80.53M | - |
| otherLiabilities | - | - | - | - | - | - | - | - | - | 1.38B |
| capitalLeaseObligations | - | - | - | - | - | - | - | - | - | - |
| totalLiabilities | 1.66B | 1.6B | 1.59B | 1.56B | 1.55B | 1.51B | 1.47B | 1.44B | 1.42B | 1.38B |
| treasuryStock | - | - | - | - | - | - | - | - | - | - |
| preferredStock | - | - | - | - | - | - | - | - | - | - |
| commonStock | 296K | 296K | 295K | 295K | 295K | - | - | - | 295K | - |
| retainedEarnings | 198.2M | 185.57M | 180.86M | 179.72M | 175.45M | - | - | - | 151.97M | - |
| additionalPaidInCapital | - | 7.99M | 8.33M | - | - | - | - | - | 8.32M | - |