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Citizens Bancorp InvestmentCBTN 68 Return-on-Tangible-Equity is 14.68% as of Jun. 2026, which is 0% below its 10-year median of 14.70. GuruFocus rates CBTN with a GF Score™ of 68/100 and a GF Value™ of $35.77 (Fairly Valued). The stock has 5 warning signs investors should review. Among 1,522 Banks companies, Citizens Bancorp Investment ranks better than 76.54% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Citizens Bancorp Investment's annualized net income for the quarter that ended in Jun. 2026 was $23.24 Mil. Citizens Bancorp Investment's average shareholder tangible equity for the quarter that ended in Jun. 2026 was $158.37 Mil. Therefore, Citizens Bancorp Investment's annualized Return-on-Tangible-Equity for the quarter that ended in Jun. 2026 was 14.68%.
The historical rank and industry rank for Citizens Bancorp Investment's Return-on-Tangible-Equity or its related term are showing as below:
CBTN'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 10.24 Med: 14.7 Max: 17.84
Current: 15.5
During the past 6 years, Citizens Bancorp Investment's highest Return-on-Tangible-Equity was 17.84%. The lowest was 10.24%. And the median was 14.70%.
CBTN's Return-on-Tangible-Equity is ranked better than 76.54% of 1522
companies
in the Banks industry
Industry Median: 11.375
vs CBTN: 15.50
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Citizens Bancorp Investment Return-on-Tangible-Equity Related Terms
Citizens Bancorp Investment Return-on-Tangible-Equity 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.
CBTN vs FOTB, PBNC, PSBQ: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, Citizens Bancorp Investment's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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 Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Citizens Bancorp Investment's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Citizens Bancorp Investment's Return-on-Tangible-Equity 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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Jun. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 14.68% mean?
Citizens Bancorp Investment (CBTN) has a Return-on-Tangible-Equity of 14.68% as of Jun. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Citizens Bancorp Investment and its competitors. This is near median its historical median of 14.70. Over the past decade, Citizens Bancorp Investment's Return-on-Tangible-Equity has ranged from 10.24 to 17.84. According to the industry distribution chart, Citizens Bancorp Investment ranks #357 out of 1522 companies in the Banks industry, placing it in the top 23.5%.
Is Citizens Bancorp Investment's Return-on-Tangible-Equity too high?
Citizens Bancorp Investment's current Return-on-Tangible-Equity of 14.68% is near median its 10-year median of 14.70. Over the past 10 years, this metric has ranged from a low of 10.24 to a high of 17.84. The Banks industry median Return-on-Tangible-Equity is 11.38. Citizens Bancorp Investment's value of 14.68% is 29.1% above this industry median. Based on the distribution chart, Citizens Bancorp Investment ranks #357 out of 1522 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Citizens Bancorp Investment has a GF Score™ of 68/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Citizens Bancorp Investment's Return-on-Tangible-Equity compare to FOTB and PBNC?
According to the Banks industry distribution chart, Citizens Bancorp Investment ranks #357 out of 1522 companies for Return-on-Tangible-Equity. This places Citizens Bancorp Investment in the top 24% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Equity is 11.38. Citizens Bancorp Investment's value of 14.68% is 29.1% above this benchmark. Historically, Citizens Bancorp Investment's own Return-on-Tangible-Equity has ranged from 10.24 to 17.84 over the past decade. While the company's 10-year median is 14.70 vs. the industry median of 11.38, Citizens Bancorp Investment has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Return-on-Tangible-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.38, based on 1,522 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Citizens Bancorp Investment's current Return-on-Tangible-Equity of 14.68% is 29.1% above 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Citizens Bancorp Investment and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.38 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Citizens Bancorp Investment's current Return-on-Tangible-Equity is 14.68%, which is near median its own 10-year median of 14.70. 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 $35.77, compared to a current price of $35.50 — trading 0.8% below its estimated fair value. The current Return-on-Tangible-Equity is 14.68%, which is near median its 10-year median of 14.70 and 29.1% above the Banks industry median of 11.38. Citizens Bancorp Investment's overall GF Score™ is 68/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Citizens Bancorp Investment (CBTN), the current Return-on-Tangible-Equity is 14.68% 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 0.8% below its estimated GF Value™ of $35.77.
GuruFocus considers Citizens Bancorp Investment to be Fairly Valued.
Key valuation signals for CBTN:
Return-on-Tangible-Equity: 14.68% (near median its 10-year median of 14.70)
GF Value™: $35.77 vs. price of $35.50 (0.8% below fair value)
Industry Position: 29.1% above the Banks median (#357 of 1522)
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.
68GF Score
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