Risk factor
Very high price volatility
Profitability factor
Greatly overvalued vs peers
About
Citizens Bancorp operates as the holding company for Citizens Bank that provides various banking products and services to individuals and businesses. The company accepts personal and business checking and savings accounts. Its loan products include personal loans, such as personal lines of credit, credit cards, savings or CD secured loans, home equity lines of credit, property improvement loans, auto loans/recreational vehicle loans, and other personal loans; business loans comprising real estate loans, agricultural loans, equipment loans, inventory loans, working capital lines of credit, letters of credit, government sponsored loans, and other business loans; and mortgage loans. The company also provides online and mobile banking, merchant, bill pay, order check, merchant, remote deposit capture, and other financial services. It operates 15 branches in Benton, Clackamas, Lane, Linn, Marion, Polk, Washington, and Yamhill counties in Oregon. Citizens Bancorp was founded in 1957 and is headquartered in Corvallis, Oregon.
Company Valuation
Considering past and projected metrics, the stock is distinctly 'expensive' compared to its peers. In particular, the stock is overpriced on P/E, overvalued on P/RIBP.