Citizens Bancorp Investment Inc (CBTN) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of Citizens Bancorp Investment Inc stock $28.92, price $36.00, that is 19.7% below the price, quality 60 out of 100. Rating: overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 8, 2026.
How to read this chart
60‑month range $20.82 – $43.16 · fair‑value band $25.86 – $37.66 · the $36.00 price screens above the $28.92 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 8, 2026.
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Citizens Bancorp Investment, Inc. provides various banking products and services.
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The company offers checking and savings accounts, certificates of deposits and individual retirement accounts, credit and debit cards, real-time processing, credit card member, and online and mobile banking services, as well as cash management, and personal and business services for individuals and businesses.
It also provides personal, mortgage, construction, agriculture, commercial, and officers loans. The company was founded in 1909 and is based in Lafayette, Tennessee.
Stock analysis
Citizens Bancorp Investment Inc (CBTN) currently trades at $36.00, while our model-based Fair Value estimate is $28.92, 20% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of $41.65 per share, and 2 of the 6 models we run sit above the $36.00 price.
Bear case: the Dividend Discount group reads lowest at $9.88, and 4 of the 6 models stay below the price. Data coverage for this calculation is medium.
Scenario range: $25.86 (bear) to $37.66 (bull), the price of $36.00 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 60/100 (solid quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Citizens Bancorp Investment Inc reported revenue of $68.1M in FY2025 versus $55.5M in FY2021, a compound +5.3%/yr. Reported net income was $21.4M in FY2025, compounding +6.3%/yr from FY2021.
Key figures
Market cap $213M Micro · P/E ratio 9.1 · P/S ratio 3.20 · EPS (TTM) $3.97 · Dividend yield 2.1% · Net margin 32.2% · Return on equity 13.3% · Return on assets 1.3%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 66 out of 100 (low confidence).
What moves the price
The share trades about 4% below its 52-week high and 21% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −20%, CBTN screens cheaper than that median.
Fair Value models
Bear$25.86Fair Value $28.92Bull$37.66
Price $36.00 · Downside -19.7%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then ($2.75 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.94/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+19.9%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+6.4%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+11.5%
Start year 2020 (pandemic)
’20
’21
’22
’23
’24
’25
What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
Compare Citizens Bancorp Investment Inc with another stock
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 996 stocks
Beats the industry median on 7/13 measures
A mixed picture versus its industry peers.
Valuation
Quality Score60 · Top 25%
Fair Value upside−19.7% · Below median
Profitability
Return on equity (12 months)13.3% · Above median
Return on assets1.2% · Above median
Net margin (12 months)32.2% · Above median
Operating margin (12 months)40.6% · Below median
Growth and dividend
Revenue growth (quarter YoY)0.0% · Bottom 25%
Dividend yield (12 months)2.1% · Below median
Balance sheet
Debt / equity0.71× · Above median
Valuation Multiplesvs Banks - Regional median · lower = cheaper
P/E (12 months)9.1× · Cheaper than median
P/B1.21× · Pricier than median
P/S (12 months)3.20× · Cheaper than median
Price / free cash flow (fiscal year)9.1× · Cheaper than median
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)7· sector 8
FUTURE (revenue growth)0· sector 47
PAST (return on equity)53· sector 43
HEALTH (low debt)–
DIVIDEND (yield)42· sector 53
HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.
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Is Citizens Bancorp Investment Inc (CBTN) overvalued or undervalued?
As of Nov 8, 2026, our model estimates a fair value of $28.92 versus a price of $36.00, about 20% lower (overvalued).
What is the fair value of CBTN?
Our model-based fair value for Citizens Bancorp Investment Inc is $28.92 (as of Nov 8, 2026), built from audited fundamentals. The current price: $36.00.
What is the quality score of CBTN?
Citizens Bancorp Investment Inc has a Quality Score of 60/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Citizens Bancorp Investment Inc (CBTN)?
Our model-based price target is the fair value of $28.92 (as of Nov 8, 2026) from 6 valuation models. Cautious scenario $25.86, optimistic scenario $37.66. It is a calculation from audited fundamentals, not an analyst target.
What is the Citizens Bancorp Investment Inc stock forecast for 2026?
Our models put fair value at $28.92, about 20% lower versus a price of $36.00 (overvalued). Cautious scenario $25.86, optimistic scenario $37.66. The calculation is refreshed regularly with new filings.
What is the revenue of Citizens Bancorp Investment Inc (CBTN)?
Citizens Bancorp Investment Inc reported trailing-twelve-month revenue of about $66.3M (latest available figure, as of Nov 8, 2026).
Does Citizens Bancorp Investment Inc pay a dividend?
Citizens Bancorp Investment Inc currently shows a dividend yield of 2.11% relative to its recent price (as of Nov 8, 2026).
How much is the dividend of Citizens Bancorp Investment Inc (CBTN) and when is the ex-dividend date?
Citizens Bancorp Investment Inc pays a dividend of $0.76 per share a year, a dividend yield of 2.1%. The last ex-dividend date was Jul 29, 2026. A dividend has been paid every year since at least 2022. The payout ratio is 19.1% of earnings. Our assessment: Low payout. A low payout ratio: the dividend takes at most 60 % of earnings. Whether free cash flow covers it as well, we cannot see for this company.
What is the intrinsic value of Citizens Bancorp Investment Inc (CBTN)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Citizens Bancorp Investment Inc it is $28.92 per share (as of Nov 8, 2026), against a price of $36.00. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is Citizens Bancorp Investment Inc stock overvalued or undervalued in 2026?
As of Nov 8, 2026, CBTN trades above its calculated fair value: price $36.00, fair value $28.92, a gap of about −20% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of CBTN?
No. The price is what the market pays today ($36.00); the fair value is what the company's own numbers justify ($28.92). For Citizens Bancorp Investment Inc the two are $7.08 per share apart. That gap is exactly why we show both numbers side by side.
How much is Citizens Bancorp Investment Inc worth?
The market values Citizens Bancorp Investment Inc at about $213M (market capitalisation, as of Nov 8, 2026). Per share that is $36.00; our models calculate a fair value of $28.92 per share.
What do the bullish and bearish scenarios say about CBTN?
Our models span a range for Citizens Bancorp Investment Inc: cautious scenario $25.86, base $28.92, optimistic $37.66 per share (as of Nov 8, 2026, price $36.00). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of CBTN?
Citizens Bancorp Investment Inc trades at a price-to-earnings ratio of 9.1 (as of Nov 8, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $28.92 is built from several models across several years. Median P/E at fiscal year-end, 5 fiscal years (2021 to 2025), reported earnings: 12.6. Other multiples: P/B 1.2, P/S 3.2.
How solid is the balance sheet of Citizens Bancorp Investment Inc (CBTN)?
Balance-sheet figures for Citizens Bancorp Investment Inc (as of Nov 8, 2026): return on equity 13.3%, debt of 0.71 per unit of equity. They feed the Quality Score of 60/100, which measures business quality independently of the share price.
How far is CBTN from its 52-week high?
Citizens Bancorp Investment Inc trades at $36.00, about 4% below its 52-week high of $37.44 and 21% above the low of $29.72 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $28.92 is for.
Which stocks are comparable to Citizens Bancorp Investment Inc?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Citizens Bancorp Investment Inc stock attractive at the current price?
The data as of Nov 8, 2026: price $36.00, calculated fair value $28.92 (−20%), Quality Score 60/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of CBTN calculated?
We run Citizens Bancorp Investment Inc through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $28.92 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. Citizens Bancorp Investment Inc itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Citizens Bancorp Investment Inc (CBTN)?
The closing price on Nov 6, 2026 was $36.00. Our model-based fair value is $28.92, about 20% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Citizens Bancorp Investment Inc right now?
Solid but not exceptional quality (60/100) and above fair value, neither a clear bargain nor a standout compounder. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of Citizens Bancorp Investment Inc
How large is the market capitalisation of Citizens Bancorp Investment Inc (CBTN)?
The market capitalisation of Citizens Bancorp Investment Inc is $213M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Citizens Bancorp Investment Inc (CBTN)?
The price-to-sales ratio of Citizens Bancorp Investment Inc is 3.20 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Citizens Bancorp Investment Inc (CBTN)?
Earnings per share at Citizens Bancorp Investment Inc are $3.97 (price ÷ EPS = P/E 9.1). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Citizens Bancorp Investment Inc (CBTN)?
The dividend yield of Citizens Bancorp Investment Inc is 2.1% (payout 19.1%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Citizens Bancorp Investment Inc (CBTN)?
The net margin of Citizens Bancorp Investment Inc is 32.2% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Citizens Bancorp Investment Inc (CBTN)?
The return on equity (ROE) of Citizens Bancorp Investment Inc is 13.3% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the return on assets of Citizens Bancorp Investment Inc (CBTN)?
The return on assets (ROA) of Citizens Bancorp Investment Inc is 1.3% (last twelve months). Profit relative to everything the company owns. Harder to inflate than return on equity because debt does not boost it.
What is the operating margin of Citizens Bancorp Investment Inc (CBTN)?
The operating margin of Citizens Bancorp Investment Inc is 40.6% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How much free cash flow does Citizens Bancorp Investment Inc (CBTN) generate?
The free cash flow of Citizens Bancorp Investment Inc is $23.4M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Citizens Bancorp Investment Inc (CBTN) carry?
The net debt of Citizens Bancorp Investment Inc is $84.9M (fiscal year 2025, ≈ 3.6 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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Nov 8, 2026