Is Citizens Bancorp (Nevada City, CA) (CZNB) a Buy, Sell, or Hold?
OTC : CZNB
Citizens Bancorp (Nevada City, CA) — Financials
$0.0001 USD
$0.0 (0.0%)
- Volume
- 387
- Average Volume
- 243.34
- Market Capitalization
- $67.86M
- P/E Ratio
- 0.00
- Dividend Yield
- 0.00%
- Price Target
- Year High
- $0.00
- Year Low
- $0.00
- Day High
- —
- Day Low
- —
- Payout Ratio
- $0.42
- Current Ratio
- $0.07
CZNB Financial Statements
| date | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 |
|---|---|---|---|---|---|---|
| revenue | 38.79M | 40.27M | 32.98M | 30.37M | 30.95M | 33.9M |
| costOfRevenue | 8.3M | 7.28M | 461K | 462K | 540K | 553K |
| grossProfit | 30.49M | 32.99M | 32.52M | 29.9M | 30.41M | 33.35M |
| researchAndDevelopmentExpenses | - | - | - | - | - | - |
| generalAndAdministrativeExpenses | 570K | 558K | 435K | 394K | 410K | 313K |
| sellingAndMarketingExpenses | - | - | - | - | - | - |
| sellingGeneralAndAdministrativeExpenses | 570K | 558K | 435K | 394K | 410K | 313K |
| otherExpenses | 25.76M | 24.5M | 19.94M | 15.87M | 24.85M | 19.09M |
| operatingExpenses | 26.33M | 25.06M | 20.38M | 16.26M | 25.26M | 19.4M |
| costAndExpenses | 34.63M | 32.34M | 20.84M | 16.72M | 25.8M | 19.96M |
| netInterestIncome | 27.91M | 30.3M | 29.48M | 26.81M | 27.32M | 30.26M |
| interestIncome | 36.22M | 37.59M | 29.94M | 27.27M | 27.86M | 30.82M |
| interestExpense | 8.3M | 7.28M | 461K | 462K | 540K | 553K |
| depreciationAndAmortization | 616K | 517K | 524K | 594K | 562K | 530K |
| ebitda | 4.78M | 8.45M | 12.66M | 14.24M | 5.71M | 14.48M |
| ebit | 4.16M | 7.93M | 12.14M | 13.64M | 5.15M | 13.95M |
| nonOperatingIncomeExcludingInterest | - | - | - | - | - | - |
| operatingIncome | 4.16M | 7.93M | 12.14M | 13.64M | 5.15M | 13.95M |
| totalOtherIncomeExpensesNet | - | - | - | - | - | - |
| incomeBeforeTax | 4.16M | 7.93M | 12.14M | 13.64M | 5.15M | 13.95M |
| incomeTaxExpense | 787K | 1.78M | 3.04M | 3.33M | 1.05M | 3.46M |
| netIncomeFromContinuingOperations | 3.37M | 6.15M | 9.1M | 10.32M | 4.1M | 10.49M |
| netIncomeFromDiscontinuedOperations | - | - | - | - | - | - |
| otherAdjustmentsToNetIncome | - | - | - | - | - | - |
| netIncome | 3.37M | 6.15M | 9.1M | 10.32M | 4.1M | 10.49M |
| netIncomeDeductions | - | - | - | - | - | - |
| bottomLineNetIncome | 3.17M | 5.79M | 8.58M | 9.72M | 3.85M | 9.79M |
| eps | 0.58 | 1.03 | 1.52 | 1.73 | 0.69 | 1.77 |
| date | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 |
|---|---|---|---|---|---|---|
| cashAndCashEquivalents | 48.25M | 162.17M | 155.73M | 115.32M | 196.07M | 52.15M |
| shortTermInvestments | - | - | - | - | - | - |
| cashAndShortTermInvestments | 48.25M | 162.17M | 155.73M | 115.32M | 196.07M | 52.15M |
| netReceivables | 3.92M | 4.36M | 3.84M | 3.77M | 3.61M | 3.49M |
| accountsReceivables | 3.92M | 4.36M | 3.84M | 3.77M | 3.61M | 3.49M |
| otherReceivables | - | - | - | - | - | - |
| inventory | - | - | - | - | - | - |
| prepaids | - | - | - | - | - | - |
| otherCurrentAssets | - | - | - | - | - | - |
| totalCurrentAssets | 52.17M | 166.54M | 159.57M | 119.08M | 199.69M | 55.64M |
| propertyPlantEquipmentNet | 14.11M | 14.02M | 12.36M | 12.39M | 12.53M | 12.62M |
| goodwill | - | - | - | - | - | - |
| intangibleAssets | - | - | - | - | - | - |
| goodwillAndIntangibleAssets | - | - | - | - | - | - |
| longTermInvestments | 370.08M | - | - | - | - | - |
| taxAssets | 18.39M | 18.62M | - | - | - | - |
| otherNonCurrentAssets | 352.75M | 820.55M | 883.22M | 935.79M | 771.39M | 721.92M |
| totalNonCurrentAssets | 755.32M | 853.19M | 895.58M | 948.18M | 783.92M | 734.54M |
| otherAssets | - | - | - | - | - | - |
| totalAssets | 807.49M | 1.02B | 1.06B | 1.07B | 983.61M | 790.18M |
| totalPayables | - | - | - | - | - | - |
| accountPayables | - | - | - | - | - | - |
| otherPayables | - | - | - | - | - | - |
| accruedExpenses | - | - | - | - | - | - |
| shortTermDebt | - | - | - | - | - | - |
| capitalLeaseObligationsCurrent | - | - | - | - | - | - |
| taxPayables | - | - | - | - | - | - |
| deferredRevenue | - | - | - | - | - | - |
| otherCurrentLiabilities | 706.98M | 752.31M | 955.73M | 916.44M | 833.35M | 657.76M |
| totalCurrentLiabilities | 706.98M | 752.31M | 955.73M | 916.44M | 833.35M | 657.76M |
| longTermDebt | - | - | - | - | - | - |
| capitalLeaseObligationsNonCurrent | - | - | - | - | - | - |
| deferredRevenueNonCurrent | - | - | - | - | - | - |
| deferredTaxLiabilitiesNonCurrent | - | - | - | - | - | - |
| otherNonCurrentLiabilities | 27.03M | 196.07M | 40.77M | 55.3M | 53.38M | 42.09M |
| totalNonCurrentLiabilities | 27.03M | 196.07M | 40.77M | 55.3M | 53.38M | 42.09M |
| otherLiabilities | - | - | - | - | - | - |
| capitalLeaseObligations | - | - | - | - | - | - |
| totalLiabilities | 734.01M | 948.38M | 996.5M | 971.74M | 886.73M | 699.85M |
| treasuryStock | - | - | - | - | - | - |
| preferredStock | 1.93M | 1.93M | 1.93M | 1.93M | 2M | 2.2M |
| commonStock | 45.2M | 44.85M | 45.34M | 44.78M | 44.32M | 43.04M |
| retainedEarnings | 63.64M | 62.25M | 58.44M | 51.86M | 44.93M | 43.32M |
| additionalPaidInCapital | - | - | - | - | - | - |
| date | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 |
|---|---|---|---|---|---|---|
| netIncome | 3.37M | 6.15M | 9.1M | 10.32M | 4.1M | 10.49M |
| depreciationAndAmortization | 616K | 517K | 524K | 594K | 562K | 530K |
| deferredIncomeTax | - | - | - | - | - | - |
| stockBasedCompensation | - | - | - | - | - | - |
| changeInWorkingCapital | 446K | -526K | -72000 | -153K | -124K | -477K |
| accountsReceivables | 446K | -526K | -72000 | -153K | -124K | -477K |
| inventory | - | - | - | - | - | - |
| accountsPayables | - | - | - | - | - | - |
| otherWorkingCapital | - | - | - | - | - | - |
| otherNonCashItems | -1.57M | 7.05M | 4.01M | 1.79M | 6.99M | 118K |
| netCashProvidedByOperatingActivities | 2.86M | 13.2M | 13.56M | 12.55M | 11.53M | 10.66M |
| investmentsInPropertyPlantAndEquipment | -708K | -1.44M | -489K | -460K | -467K | -1.16M |
| acquisitionsNet | - | - | - | - | - | - |
| purchasesOfInvestments | -48000 | -40000 | -60.92M | -339.18M | -131.05M | -137.65M |
| salesMaturitiesOfInvestments | 65.07M | 78.08M | 83.8M | 84.49M | 106.77M | 133.72M |
| otherInvestingActivities | 30.22M | -27.05M | -16.64M | 79.24M | -27.34M | -6.37M |
| netCashProvidedByInvestingActivities | 94.54M | 49.56M | 5.74M | -175.91M | -52.09M | -11.46M |
| netDebtIssuance | -160M | 160M | - | - | - | - |
| longTermNetDebtIssuance | -160M | 160M | - | - | - | - |
| shortTermNetDebtIssuance | - | - | - | - | - | - |
| netStockIssuance | -377K | -1.18M | - | -434K | -551K | -276K |
| netCommonStockIssuance | -377K | -1.18M | - | -268K | - | -250K |
| commonStockIssuance | - | - | - | - | - | - |
| commonStockRepurchased | -377K | -1.18M | - | -434K | -551K | -276K |
| netPreferredStockIssuance | - | - | - | -166K | -551K | -26000 |
| netDividendsPaid | -1.42M | -2.14M | -2.72M | -1.42M | -2.26M | -1.85M |
| commonDividendsPaid | -1.42M | -2.14M | -2.72M | -1.42M | -2.26M | -1.85M |
| preferredDividendsPaid | - | - | - | - | - | - |
| otherFinancingActivities | -49.52M | -213.01M | 23.83M | 84.46M | 187.3M | 5.85M |
| netCashProvidedByFinancingActivities | -211.32M | -56.32M | 21.11M | 82.61M | 184.49M | 3.72M |
| date | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | 2023-06-30 | 2023-03-31 | 2022-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|
| revenue | 8.01M | 8.21M | 9.51M | 10.18M | 10.89M | 10.89M | 10.69M | 9.79M | 9.04M | 9.76M |
| costOfRevenue | 750K | 778K | 1.89M | 2.63M | 3.01M | 2.62M | 2.54M | 1.86M | 261K | 118K |
| grossProfit | 7.26M | 7.43M | 7.62M | 7.56M | 7.89M | 8.27M | 8.15M | 7.93M | 8.78M | 9.64M |
| researchAndDevelopmentExpenses | - | - | - | - | - | - | - | - | - | - |
| generalAndAdministrativeExpenses | - | - | - | - | - | - | - | - | - | - |
| sellingAndMarketingExpenses | - | - | - | - | - | - | - | - | - | - |
| sellingGeneralAndAdministrativeExpenses | - | - | - | - | - | - | - | - | - | - |
| otherExpenses | 6.66M | 6.44M | 6.41M | 6.53M | 6.95M | 6.34M | 6M | 6.4M | 6.47M | 6.06M |
| operatingExpenses | 6.66M | 6.44M | 6.41M | 6.53M | 6.95M | 6.34M | 6M | 6.4M | 6.47M | 6.06M |
| costAndExpenses | 7.41M | 7.22M | 8.3M | 9.15M | 9.96M | 8.96M | 8.53M | 8.26M | 6.73M | 6.18M |
| netInterestIncome | 6.63M | 6.93M | 6.9M | 6.89M | 7.2M | 7.59M | 7.46M | 7.21M | 8.09M | 8.82M |
| interestIncome | 7.38M | 7.7M | 8.8M | 9.51M | 10.2M | 10.22M | 10M | 9.07M | 8.35M | 8.94M |
| interestExpense | 750K | 778K | 1.89M | 2.63M | 3.01M | 2.62M | 2.54M | 1.86M | 261K | 118K |
| depreciationAndAmortization | - | - | - | - | - | - | - | - | - | - |
| ebitda | 600K | 994K | 1.2M | 1.03M | 935K | 1.93M | 2.16M | 1.54M | 2.31M | 3.58M |
| ebit | 600K | 994K | 1.2M | 1.03M | 935K | 1.93M | 2.16M | 1.54M | 2.31M | 3.58M |
| nonOperatingIncomeExcludingInterest | - | - | - | - | - | - | - | - | - | - |
| operatingIncome | 600K | 994K | 1.2M | 1.03M | 935K | 1.93M | 2.16M | 1.54M | 2.31M | 3.58M |
| totalOtherIncomeExpensesNet | - | - | - | - | - | - | - | - | - | - |
| incomeBeforeTax | 600K | 994K | 1.2M | 1.03M | 935K | 1.93M | 2.16M | 1.54M | 2.31M | 3.58M |
| incomeTaxExpense | 83000 | 174K | 218K | 224K | 171K | 400K | 506K | 329K | 542K | 878K |
| netIncomeFromContinuingOperations | 517K | 820K | 986K | 806K | 764K | 1.53M | 1.65M | 1.21M | 1.77M | 2.7M |
| netIncomeFromDiscontinuedOperations | - | - | - | - | - | - | - | - | - | - |
| otherAdjustmentsToNetIncome | - | - | - | - | - | - | - | - | - | - |
| netIncome | 517K | 820K | 986K | 806K | 764K | 1.53M | 1.65M | 1.21M | 1.77M | 2.7M |
| netIncomeDeductions | - | - | - | - | - | - | - | - | - | - |
| bottomLineNetIncome | 517K | 620K | 986K | 806K | 764K | 1.17M | 1.65M | 1.21M | 1.77M | 2.18M |
| eps | 0.09 | 0.14 | 0.17 | 0.13 | 0.13 | 0.27 | 0.28 | 0.2 | 0.29 | 0.46 |
| date | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | 2023-06-30 | 2023-03-31 | 2022-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|
| cashAndCashEquivalents | 50.11M | 48.25M | 46.98M | 119.25M | 265.4M | 162.17M | 173.61M | 149.51M | 48.92M | 155.73M |
| shortTermInvestments | - | - | - | - | - | - | - | - | - | - |
| cashAndShortTermInvestments | 50.11M | 48.25M | 46.98M | 119.25M | 265.4M | 162.17M | 173.61M | 149.51M | 48.92M | 155.73M |
| netReceivables | 3.81M | 3.92M | 4.54M | 4.11M | 4.52M | 4.36M | 4.59M | 3.8M | 3.81M | 3.84M |
| accountsReceivables | 3.81M | 3.92M | 4.54M | 4.11M | 4.52M | 4.36M | 4.59M | 3.8M | 3.81M | 3.84M |
| otherReceivables | - | - | - | - | - | - | - | - | - | - |
| inventory | - | - | - | - | - | - | - | - | - | - |
| prepaids | - | - | - | - | - | - | - | - | - | - |
| otherCurrentAssets | - | - | - | - | - | - | - | - | - | - |
| totalCurrentAssets | 53.92M | 52.17M | 51.52M | 123.37M | 269.92M | 166.54M | 178.2M | 153.31M | 52.73M | 159.57M |
| propertyPlantEquipmentNet | 14.06M | 14.11M | 13.82M | 13.65M | 13.37M | 14.02M | 13.25M | 12.59M | 12.43M | 12.36M |
| goodwill | - | - | - | - | - | - | - | - | - | - |
| intangibleAssets | - | - | - | - | - | - | - | - | - | - |
| goodwillAndIntangibleAssets | - | - | - | - | - | - | - | - | - | - |
| longTermInvestments | 366.96M | 370.08M | 372.44M | - | - | - | - | - | - | - |
| taxAssets | 16.11M | 18.39M | - | 18.93M | 17.7M | 18.62M | - | - | - | - |
| otherNonCurrentAssets | 347.46M | 352.75M | 393.87M | 762.99M | 794.49M | 820.55M | 844.23M | 865.35M | 877.42M | 883.22M |
| totalNonCurrentAssets | 744.6M | 755.32M | 780.13M | 795.57M | 825.57M | 853.19M | 857.48M | 877.93M | 889.84M | 895.58M |
| otherAssets | - | - | - | - | - | - | - | - | - | - |
| totalAssets | 798.51M | 807.49M | 831.66M | 918.94M | 1.1B | 1.02B | 1.04B | 1.03B | 942.58M | 1.06B |
| totalPayables | - | - | - | - | - | - | - | - | - | - |
| accountPayables | - | - | - | - | - | - | - | - | - | - |
| otherPayables | - | - | - | - | - | - | - | - | - | - |
| accruedExpenses | - | - | - | - | - | - | - | - | - | - |
| shortTermDebt | - | - | - | - | - | - | - | - | - | - |
| capitalLeaseObligationsCurrent | - | - | - | - | - | - | - | - | - | - |
| taxPayables | - | - | - | - | - | - | - | - | - | - |
| deferredRevenue | - | - | - | - | - | - | - | - | - | - |
| otherCurrentLiabilities | 692.4M | 706.98M | 718.61M | 713.61M | 726.14M | 752.31M | 779.04M | 772.1M | 801.68M | 955.73M |
| totalCurrentLiabilities | 692.4M | 706.98M | 718.61M | 713.61M | 726.14M | 752.31M | 779.04M | 772.1M | 801.68M | 955.73M |
| longTermDebt | - | - | - | 100M | 260M | - | - | - | - | - |
| capitalLeaseObligationsNonCurrent | - | - | - | - | - | - | - | - | - | - |
| deferredRevenueNonCurrent | - | - | - | - | - | - | - | - | - | - |
| deferredTaxLiabilitiesNonCurrent | - | - | - | - | - | - | - | - | - | - |
| otherNonCurrentLiabilities | 26.8M | 27.03M | 30.09M | 33.22M | 39.96M | 196.07M | 197.83M | 194.23M | 72.98M | 40.77M |
| totalNonCurrentLiabilities | 26.8M | 27.03M | 30.09M | 133.22M | 299.96M | 196.07M | 197.83M | 194.23M | 72.98M | 40.77M |
| otherLiabilities | - | - | - | - | - | - | - | - | - | - |
| capitalLeaseObligations | - | - | - | - | - | - | - | - | - | - |
| totalLiabilities | 719.2M | 734.01M | 748.7M | 846.83M | 1.03B | 948.38M | 976.86M | 966.33M | 874.66M | 996.5M |
| treasuryStock | - | - | - | - | - | - | - | - | - | - |
| preferredStock | 1.93M | 1.93M | 1.93M | 1.93M | 1.93M | 1.93M | 1.93M | 1.93M | 1.93M | 1.93M |
| commonStock | 45.54M | 45.2M | 45.24M | 45.32M | 45.5M | 44.85M | 44.85M | 45.72M | 45.72M | 45.34M |
| retainedEarnings | 64.16M | 63.64M | 64.74M | 63.78M | 63.02M | 62.25M | 62.79M | 61.45M | 60.24M | 58.44M |
| additionalPaidInCapital | - | - | - | - | - | - | - | - | - | - |