CZBC (Citizens Bancorp) ROCE %: % (As of Mar. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

CZBC Citizens Bancorp CZBC
45 GF Score
Price $15.50
GF Value $9.67
Valuation Significantly Overvalued
! 6 Warning Signs
View Full Analysis

What is Citizens Bancorp ROCE %?

Citizens Bancorp CZBC 45 ROCE % is % 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.

ROCE % does not apply to banks and insurance companies.

CZBC
45GF Score
Citizens Bancorp CZBC
ROCE % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis
Frequently Asked Questions Learn more about ROCE % →
What does a ROCE % of % mean?
Citizens Bancorp (CZBC) has a ROCE % of % as of Mar. 2026.
Is Citizens Bancorp's ROCE % too high?
Citizens Bancorp's current ROCE % is %. 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 ROCE % compare to ORPB and KSBI?
Citizens Bancorp's ROCE % of % can be compared against companies in the Banks industry. The industry median ROCE % is 3.22. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROCE % for a Banks company?
The median ROCE % among Banks companies is 3.22, based on 47 companies in the industry. Companies in the top quartile (top 25%) have a ROCE % significantly above this median, while those in the bottom quartile fall well below. However, ROCE % 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 ROCE % mean?
A high ROCE % can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median ROCE % is 3.22 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Citizens Bancorp's current ROCE % is %. 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 ROCE % is %. 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 ROCE % calculated?
ROCE % is calculated from a company's financial statements. For Citizens Bancorp (CZBC), the current ROCE % is % 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:

  • ROCE %: %
  • GF Value™: $9.67 vs. price of $15.50 (60.3% above fair value)
  • GF Score™: 45/100 with 6 warning signs

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 Business Description

Address 275 Southwest Third Street, Corvallis, OR, USA, 97339-0030
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

Get the complete analysis for CZBC

ROCE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$15.50
Price
$9.67
GF Value