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Citizens BancorpCZBC 45 OCF Margin % is 0.00% as of Mar. 2026. GuruFocus rates CZBC with a GF Score™ of 45/100 and a GF Value™ of $9.67 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,498 Banks companies, Citizens Bancorp ranks worse than 55.34% on this metric.
The historical rank and industry rank for Citizens Bancorp's OCF Margin % or its related term are showing as below:
CZBC'
s OCF Margin % Range Over the Past 10 Years
Min: 9.38 Med: 37.92 Max: 41.95
Current: 26.42
During the past 7 years, the highest OCF Margin % of Citizens Bancorp was 41.95%. The lowest was 9.38%. And the median was 37.92%.
CZBC's OCF Margin % is ranked worse than 55.34% of 1498
companies
in the Banks industry
Industry Median: 29
vs CZBC: 26.42
Citizens Bancorp OCF Margin % Related Terms
Citizens Bancorp OCF Margin % Historical Data
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The historical data trend for Citizens Bancorp's OCF Margin % can be seen below:
* 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.
For the Banks - Regional subindustry, Citizens Bancorp's OCF Margin %, along with its competitors' market caps and OCF Margin % 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 OCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Citizens Bancorp's OCF Margin % distribution charts can be found below:
* The bar in red indicates where Citizens Bancorp's OCF Margin % falls into.
* 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 (CZBC) has a OCF Margin % of 0.00% as of Mar. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Citizens Bancorp and its competitors. Over the past decade, Citizens Bancorp's OCF Margin % has ranged from 9.38 to 41.95. According to the industry distribution chart, Citizens Bancorp ranks #829 out of 1498 companies in the Banks industry, placing it in the top 55.3%.
Is Citizens Bancorp's OCF Margin % too high?
Citizens Bancorp's current OCF Margin % is 0.00%. Over the past 10 years, this metric has ranged from a low of 9.38 to a high of 41.95. Based on the distribution chart, Citizens Bancorp ranks #829 out of 1498 companies in the Banks industry, which is below the industry midpoint. Overall, Citizens Bancorp has a GF Score™ of 45/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Citizens Bancorp's OCF Margin % compare to ORPB and KSBI?
According to the Banks industry distribution chart, Citizens Bancorp ranks #829 out of 1498 companies for OCF Margin %. This places Citizens Bancorp in the lower half of its industry. The industry median OCF Margin % is 29.00. Historically, Citizens Bancorp's own OCF Margin % has ranged from 9.38 to 41.95 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good OCF Margin % for a Banks company?
The median OCF Margin % among Banks companies is 29.00, based on 1,498 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Citizens Bancorp and its competitors. For the Banks industry, the median OCF Margin % is 29.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Citizens Bancorp's current OCF Margin % is 0.00%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Citizens Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Citizens Bancorp (CZBC) is currently considered Significantly Overvalued. The stock's GF Value™ is $9.67, compared to a current price of $15.50 — trading 60.3% above its estimated fair value. The current OCF Margin % is 0.00%. Citizens Bancorp's overall GF Score™ is 45/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For Citizens Bancorp (CZBC), the current OCF Margin % is 0.00% as of Mar. 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 (CZBC) Overvalued in 2026?
Based on GuruFocus' analysis, Citizens Bancorp stock appears to be overvalued.
The current stock price of $15.50 is trading 60.3% above its estimated GF Value™ of $9.67.
GuruFocus considers Citizens Bancorp to be Significantly Overvalued.
Key valuation signals for CZBC:
OCF Margin %: 0.00%
GF Value™: $9.67 vs. price of $15.50 (60.3% above fair value)
No single metric tells the full story. See the CZBC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Citizens Bancorp is engaged in providing community banking services. It offers a wide variety of deposit products, commercial, residential, and consumer loans, and other traditional banking products and services. It also offers technology products such as internet banking, online bill pay, and mobile banking services that are designed to meet the needs of small and middle-market businesses and individuals.
45GF Score
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