Fairvalue-Calculator Fairvalue-Calculator
EN DE

Citizens Bancorp Investment, Inc (CBTN) Fair Value & Analysis

Financial Services · US · Market cap $209M

Price$35.23
Fair Value$46.94
Upside+33.3%
Quality95/100
Evidence: High Range $35.20 – $58.67

Fair value as of: Jun 26, 2026

✦ Find undervalued quality stocks — 34,000+ analysed Find stocks →

Analysis

Citizens Bancorp Investment, Inc (CBTN) currently trades at $35.23, while our model-based Fair Value estimate is $46.94 — implying the stock looks roughly 33.3% undervalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.

About the company

Citizens Bancorp Investment, Inc. provides various banking products and services. 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.

Open the full interactive analysis →

Similar stocks

HDFC Bank Limited (HDFCBANK) +18% PT Bank Central Asia Tbk (BBCA) -1% KB Financial Group (105560) -4% PT Bank Rakyat Indonesia (Persero) Tbk (BBRI) +66% Banco Bradesco S.A (BBD) +100% Shinhan Financial Group (055550) +14%

Frequently asked questions

Is Citizens Bancorp Investment, Inc (CBTN) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $46.94 versus a price of $35.23 — about +33% (undervalued). Model-based estimate, not financial advice.
What is the fair value of CBTN?
Our 21-model fair value for Citizens Bancorp Investment, Inc is $46.94 (as of Jun 26, 2026), built from audited fundamentals. The current price is $35.23.
What is the quality score of CBTN?
Citizens Bancorp Investment, Inc has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.