# Citizens Bancorp (CZBC)

> Financial Services · US · Reports in USD

Fundamental indicators from Sponda, adjusted for inflation.

[HTML version](https://sponda.capital/en/CZBC/fundamentals)

## Annual figures

| Year | Revenue (M) | Net Inc. (M) | FCF (M) | Debt (M) | Equity (M) |
| --- | --- | --- | --- | --- | --- |
| 2026 | $ 16.41M | $ 707.0K | $ 0 | $ 22.82M | $ 87.24M |
| 2025 | $ 34.72M | $ 2.55M | $ 0 | $ 26.61M | $ 87.63M |
| 2024 | $ 40.69M | $ 3.55M | $ 0 | $ 0 | $ 73.49M |
| 2023 | $ 43.70M | $ 6.66M | $ 5.00M | $ 0 | $ 71.34M |
| 2022 | $ 36.84M | $ 10.17M | $ 5.52M | $ 0 | $ 58.66M |
| 2021 | $ 36.09M | $ 12.26M | $ 12.26M | $ 0 | $ 95.52M |
| 2020 | $ 39.42M | $ 5.22M | $ 0 | $ 0 | $ 96.88M |
| 2019 | $ 43.09M | $ 13.54M | $ 0 | $ 0 | $ 90.33M |
| 2018 | $ 39.46M | $ 11.47M | $ 0 | $ 0 | $ 79.24M |
| 2017 | $ 35.89M | $ 6.77M | $ 0 | $ 0 | $ 71.94M |
| 2016 | $ 32.34M | $ 6.28M | $ 0 | $ 0 | $ 68.44M |
| 2015 | $ 7.57M | $ 1.22M | $ 0 | $ 0 | $ 65.02M |
| 2014 | $ 29.98M | $ 5.51M | $ 0 | $ 0 | $ 63.16M |
| 2013 | $ 30.13M | $ 5.67M | $ 0 | $ 0 | $ 60.46M |

Columns not available in this view: annualPriceMultiples, dividends. They require live market data and are shown on the HTML page instead.

## Leverage and liquidity

| Indicator | Value |
| --- | --- |
| Gross Debt / Eq | 0.26 |
| Liabilities / Eq | 8.44 |
| Current Ratio | 0.83 |

## Debt coverage

| Indicator | Value |
| --- | --- |
| Gross Debt / Earnings | 3.00 |
| Gross Debt / FCF | 10.02 |

## Other views

- [Metrics](https://sponda.capital/en/CZBC.md)
- [Charts](https://sponda.capital/en/CZBC/charts.md)
- [Compare](https://sponda.capital/en/CZBC/compare.md)
- [Indicator definitions](https://sponda.capital/en/screener.md)

Data as of 2026-08-27.