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Citizens Bancorp (Nevada City, CA)
CZNBFinancial 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 | $38.79M | 8.7% | $3.37M | $2.17M | N/A |
| 2027 | $42.67M | 8.7% | $3.71M | $2.39M | $2.17M |
| 2028 | $46.94M | 8.7% | $4.08M | $2.63M | $2.17M |
| 2029 | $51.63M | 8.7% | $4.49M | $2.89M | $2.17M |
| 2030 | $56.80M | 8.7% | $4.94M | $3.18M | $2.17M |
| 2031 | $62.47M | 8.7% | $5.44M | $3.50M | $2.17M |
Projects EPS forward, applies an exit P/E, then discounts the result back to today.
| Base EPS | $0.58 | 2024-12-31 |
| EPS growth | -40.0% | Forecast years: 5 |
| Future EPS | $0.045 | EPS × (1 + G)^5 |
| Base P/E | 4 | P/E |
| Future price | $0.18 | Future EPS × P/E |
| Fair value today | $0.112 | PV @ 10.0% |
| 30% safety price | $0.078 | Margin of safety |
| 50% safety price | $0.056 | Margin of safety |
| Discount rate \\ Terminal growth | 1.5% | 2.5% | 3.5% |
|---|---|---|---|
| 9.0% | $15.55 | $16.426 | $17.622 |
| 10.0% | $14.664 | $15.311 | $16.156 |
| 11.0% | $13.967 | $14.459 | $15.082 |