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During the past 6 years, Citizens Bancorp Investment's highest 3-Year average EPS without NRI Growth Rate was 9.90% per year. The lowest was -0.80% per year. And the median was 4.80% per year.
Citizens Bancorp Investment (OTCPK:CBTN) Earnings per Share (Diluted) Explanation
Earnings Per Share (EPS) is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists EPS without NRI, which better reflects the company's underlying performance.
Be Aware
Compared with Earnings per share, a company's cash flow is better indicator of the company's earnings power.
If a company's earnings per share is less than cash flow per share over long term, investors need to be cautious and find out why.
Citizens Bancorp Investment Earnings per Share (Diluted) Related Terms
Citizens Bancorp Investment Earnings per Share (Diluted) Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Citizens Bancorp Investment Earnings per Share (Diluted) Chart
CBTN vs OVBC, PBNC, FXLG: Earnings per Share (Diluted) Comparison
For the Banks - Regional subindustry, Citizens Bancorp Investment's PE Ratio, along with its competitors' market caps and PE Ratio data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Citizens Bancorp Investment PE Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Citizens Bancorp Investment's PE Ratio distribution charts can be found below:
* The bar in red indicates where Citizens Bancorp Investment's PE Ratio falls into.
Citizens Bancorp Investment Earnings per Share (Diluted) Calculation
Earnings Per Share (EPS) is the amount of earnings per outstanding share of the company's stock. In calculating earnings per share, the dividends of preferred stocks need to subtracted from the total net income first.
Citizens Bancorp Investment's Earnings Per Share (Diluted) for the fiscal year that ended in Dec. 2025 is calculated as
Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $3.92
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Companies also reported diluted shares in their financial reports. Diluted shares include the shares of convertibles or warrants outstanding.
What does a Earnings per Share (Diluted) of $3.92 mean?
Citizens Bancorp Investment (CBTN) has a Earnings per Share (Diluted) of $3.92 as of Jun. 2026. Diluted EPS equals net earnings divided by average shares outstanding, including dilutive securities. View historical data on Citizens Bancorp Investment and its competitors. According to the industry distribution chart, Citizens Bancorp Investment ranks #809 out of 1402 companies in the Banks industry, placing it in the top 57.7%.
Is Citizens Bancorp Investment's Earnings per Share (Diluted) too high?
Citizens Bancorp Investment's current Earnings per Share (Diluted) is $3.92. The Banks industry median Earnings per Share (Diluted) is 7.60. Citizens Bancorp Investment's value of $3.92 is 48.4% below this industry median. Based on the distribution chart, Citizens Bancorp Investment ranks #809 out of 1402 companies in the Banks industry, which is below the industry midpoint. Overall, Citizens Bancorp Investment has a GF Score™ of 69/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Citizens Bancorp Investment's Earnings per Share (Diluted) compare to OVBC and PBNC?
According to the Banks industry distribution chart, Citizens Bancorp Investment ranks #809 out of 1402 companies for Earnings per Share (Diluted). This places Citizens Bancorp Investment in the lower half of its industry. The industry median Earnings per Share (Diluted) is 7.60. Citizens Bancorp Investment's value of $3.92 is 48.4% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Earnings per Share (Diluted) for a Banks company?
The median Earnings per Share (Diluted) among Banks companies is 7.60, based on 1,402 companies in the industry. Companies in the top quartile (top 25%) have a Earnings per Share (Diluted) significantly above this median, while those in the bottom quartile fall well below. However, Earnings per Share (Diluted) should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Citizens Bancorp Investment's current Earnings per Share (Diluted) of $3.92 is 48.4% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Earnings per Share (Diluted) mean?
A high Earnings per Share (Diluted) can signal that a stock is expensive relative to its fundamentals. Diluted EPS equals net earnings divided by average shares outstanding, including dilutive securities. View historical data on Citizens Bancorp Investment and its competitors. For the Banks industry, the median Earnings per Share (Diluted) is 7.60 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Citizens Bancorp Investment's current Earnings per Share (Diluted) is $3.92. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Citizens Bancorp Investment stock overvalued right now?
Based on GuruFocus' analysis, Citizens Bancorp Investment (CBTN) is currently considered Fairly Valued. The stock's GF Value™ is $36.06, compared to a current price of $35.50 — trading 1.6% below its estimated fair value. The current Earnings per Share (Diluted) is $3.92 and 48.4% below the Banks industry median of 7.60. Citizens Bancorp Investment's overall GF Score™ is 69/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Earnings per Share (Diluted) calculated?
Earnings per Share (Diluted) is calculated from a company's financial statements. For Citizens Bancorp Investment (CBTN), the current Earnings per Share (Diluted) is $3.92 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Citizens Bancorp Investment (CBTN) Overvalued in 2026?
Based on GuruFocus' analysis, Citizens Bancorp Investment stock appears to be undervalued.
The current stock price of $35.50 is trading 1.6% below its estimated GF Value™ of $36.06.
GuruFocus considers Citizens Bancorp Investment to be Fairly Valued.
Key valuation signals for CBTN:
Earnings per Share (Diluted): $3.92
GF Value™: $36.06 vs. price of $35.50 (1.6% below fair value)
Industry Position: 48.4% below the Banks median (#809 of 1402)
No single metric tells the full story. See the CBTN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Citizens Bancorp Investment Inc is engaged in providing commercial banking services. The company offers traditional community banking products, including loans, mortgages, deposits, debit cards, and business cash management. It also provides services such as online and mobile banking, overdraft facilities, business banking solutions, and agricultural financing.
69GF Score
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