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Citizens BancorpCZBC 45 OCF Yield % is 8.89 as of Jul. 30, 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 50.8% on this metric.
OCF Yield % is calculated as Cash Flow from Operations divided by Market Capitalization. It is a financial solvency ratio that compares the operating cash flow a company is expected to earn against its market value.
Similar to Earnings Yield %, OCF Yield % is financial solvency ratio. A lower ratio suggests a less attractive investment, indicating that investors might not receive substantial returns in proportion to their investment. Conversely, a high operating cash flow yield signals that a company generates sufficient cash to comfortably meet its debts, obligations, and dividend payments, making it a promising investment choice.
Citizens Bancorp OCF Yield % Related Terms
Citizens Bancorp OCF Yield % Historical Data
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The historical data trend for Citizens Bancorp's OCF Yield % 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 Yield %, along with its competitors' market caps and OCF Yield % 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 Yield % vs Banks Industry
For the Banks industry and Financial Services sector, Citizens Bancorp's OCF Yield % distribution charts can be found below:
* The bar in red indicates where Citizens Bancorp's OCF Yield % 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 Yield % of 8.89 as of Jul. 30, 2026. OCF Yield is calculated as Cash Flow from Operations divided by Market Capitalization. View historical data on Citizens Bancorp and its competitors. Over the past decade, Citizens Bancorp's OCF Yield % has ranged from 8.61 to 8.89. According to the industry distribution chart, Citizens Bancorp ranks #761 out of 1498 companies in the Banks industry, placing it in the top 50.8%.
Is Citizens Bancorp's OCF Yield % too high?
Citizens Bancorp's current OCF Yield % is 8.89. Over the past 10 years, this metric has ranged from a low of 8.61 to a high of 8.89. The Banks industry median OCF Yield % is 8.96. Citizens Bancorp's value of 8.89 is 0.8% below this industry median. Based on the distribution chart, Citizens Bancorp ranks #761 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 Yield % compare to ORPB and KSBI?
According to the Banks industry distribution chart, Citizens Bancorp ranks #761 out of 1498 companies for OCF Yield %. This places Citizens Bancorp in the lower half of its industry. The industry median OCF Yield % is 8.96. Citizens Bancorp's value of 8.89 is 0.8% below this benchmark. Historically, Citizens Bancorp's own OCF Yield % has ranged from 8.61 to 8.89 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 Yield % for a Banks company?
The median OCF Yield % among Banks companies is 8.96, based on 1,498 companies in the industry. Companies in the top quartile (top 25%) have a OCF Yield % significantly above this median, while those in the bottom quartile fall well below. However, OCF Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Citizens Bancorp's current OCF Yield % of 8.89 is 0.8% 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 OCF Yield % mean?
A high OCF Yield % can signal that a stock is expensive relative to its fundamentals. OCF Yield is calculated as Cash Flow from Operations divided by Market Capitalization. View historical data on Citizens Bancorp and its competitors. For the Banks industry, the median OCF Yield % is 8.96 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Citizens Bancorp's current OCF Yield % is 8.89. 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 Yield % is 8.89 and 0.8% below the Banks industry median of 8.96. 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 Yield % calculated?
OCF Yield % is calculated from a company's financial statements. For Citizens Bancorp (CZBC), the current OCF Yield % is 8.89 as of Jul. 30, 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 Yield %: 8.89
GF Value™: $9.67 vs. price of $15.50 (60.3% above fair value)
Industry Position: 0.8% below the Banks median (#761 of 1498)
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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