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Citizens Bancorp
CZBCFinancial ServicesOTCUS
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Estimates, scoring, valuation assumptions, and peer comparison in one research surface.
Change the assumptions to see how revenue growth, margins, and exit multiples can move fair value.
| Year | Revenue | Margin | Profit | Free cash flow | Present value |
|---|---|---|---|---|---|
| 2026 | $33.45M | 7.4% | $2.48M | $7.39M | N/A |
| 2027 | $36.79M | 7.4% | $2.72M | $8.13M | $7.39M |
| 2028 | $40.47M | 7.4% | $2.99M | $8.94M | $7.39M |
| 2029 | $44.52M | 7.4% | $3.29M | $9.84M | $7.39M |
| 2030 | $48.97M | 7.4% | $3.62M | $10.82M | $7.39M |
| 2031 | $53.87M | 7.4% | $3.99M | $11.90M | $7.39M |
Projects EPS forward, applies an exit P/E, then discounts the result back to today.
| Base EPS | $0.42 | 2025-12-31 |
| EPS growth | -26.3% | Forecast years: 5 |
| Future EPS | $0.091 | EPS × (1 + G)^5 |
| Base P/E | 22.9 | P/E |
| Future price | $2.091 | Future EPS × P/E |
| Fair value today | $1.299 | PV @ 10.0% |
| 30% safety price | $0.909 | Margin of safety |
| 50% safety price | $0.649 | Margin of safety |
| Discount rate \\ Terminal growth | 1.5% | 2.5% | 3.5% |
|---|---|---|---|
| 9.0% | $32.115 | $36.419 | $42.288 |
| 10.0% | $27.768 | $30.941 | $35.091 |
| 11.0% | $24.341 | $26.757 | $29.818 |