OTC · Banks - Regional

Citizens Bancshares Corp. (CITZ) Stock

$44.00 +0.05% OTC: CITZ Financial Services

Citizens Bancshares Corporation operates as the bank holding company for The Citizens Bank that provides community banking services and financial products. It offers checking and savings accounts, money market accounts, certificates of deposit, individual retirement accounts, debit and credit cards, personal and business loans, mortgages, cash management, mobile banking, and merchant services.

Valuation

MetricValue
Price$44.00
Market Cap$91.66M
P/E Ratio12.71
P/B Ratio1.05
P/S Ratio1.76
EPS (TTM)$3.46
52-Week High$44.98
52-Week Low$30.33
Dividend Yield1.00%

Financials & Margins

MetricValue
ROE11.85%
ROA0.99%
ROCE10.17%
Gross Margin78.45%
Operating Margin22.06%
Net Margin17.92%
Debt/Equity0.25
Current Ratio0.15

Annual Financials (USD)

Metric20212022202320242025
Revenue$30.0M$36.0M$44.0M$43.0M$62.0M
Operating Profit$8.0M$12.0M$14.0M$13.0M$14.0M
Net Profit$7.0M$7.0M$11.0M$10.0M$11.0M
EPS$3.19$3.60$5.47$5.03$5.45
Op Margin27.2%33.9%33.3%30.5%22.1%

Balance Sheet (USD)

Metric20212022202320242025
Total Assets$795.0M$1.0B$964.0M$1.0B$1.1B
Total Liabilities$723.0M$934.0M$886.0M$948.0M$1.0B
Cash$282.0M$211.0M$149.0M$162.0M$147.0M
Borrowings$28.0M$28.0M$0$0$25.0M

Cash Flow (USD)

Metric20212022202320242025
Operating Cash Flow$14.0M$12.0M$12.0M$11.0M$15.0M
Investing Cash Flow$11.0M$-73.0M$-29.0M$-60.0M$-44.0M
Financing Cash Flow$107.0M$-3.0M$-46.0M$62.0M$18.0M
Net Cash Flow$134.0M$-73.0M$-66.0M$14.0M$-10.0M
Free Cash Flow$13.0M$11.0M$12.0M$9.0M$15.0M

Valuation & Return Ratios

MetricValue
PEG Ratio0.13
EV / EBITDA—
FCF Yield—
Quick Ratio—
Interest Coverage—
Return 1Y46.76%
Return 3Y36.44%
Return 5Y—

Ownership

Insiders Held0.00%
Institutions Held0.01%
Institutions Float Held0.01%

Peer Comparison

TickerPriceChangeP/EMarket CapDiv Yield
AAPLApple Inc. $313.33 +0.29% 37.72 $4.60T 0.34%
MSFTMicrosoft Corporation $499.99 +0.03% 22.95 $3.71T 0.94%
GOOGLAlphabet Inc. $354.30 -0.96% 27.68 $4.29T 0.23%
AMZNAmazon.com, Inc. $274.48 +0.82% 28.76 $2.95T 0.00%
METAMeta Platforms, Inc. $592.10 +0.37% 21.47 $1.51T 0.35%

About Citizens Bancshares Corp.

Citizens Bancshares Corporation operates as the bank holding company for The Citizens Bank that provides community banking services and financial products. It offers checking and savings accounts, money market accounts, certificates of deposit, individual retirement accounts, debit and credit cards, personal and business loans, mortgages, cash management, mobile banking, and merchant services. The company was incorporated in 1988 and is headquartered in Olanta, South Carolina.

Citizens Bancshares Corp. is headquartered in US.

Citizens Bancshares Corp. (CITZ) stock trades at $44.00 with a market capitalization of $91.66M. The stock is valued at a price-to-earnings (P/E) ratio of 12.71, price-to-book of 1.05, price-to-sales of 1.76. Over the past 52 weeks the stock has ranged between $30.33 and $44.98, and currently trades 2.2% below its 52-week high. It pays a dividend yielding 1.00%.

On profitability, Citizens Bancshares Corp. generates a return on equity (ROE) of 11.85%, return on capital employed of 10.17%, an operating margin of 22.06%, a net profit margin of 17.92%.

Official website: www.tcbsc.bank

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