OTC · Banks - Regional

Citizens Bancshares Corporation (CZBS) Stock

$65.50 +0.00% OTC: CZBS Financial Services

Citizens Bancshares Corporation functions as the parent company for Citizens Trust Bank, delivering a comprehensive suite of commercial banking solutions to both individual and business clients. The institution's financial offerings include checking and savings accounts, alongside demand and money market deposits.

Valuation

MetricValue
Price$65.50
Market Cap$117.96M
P/E Ratio13.88
P/B Ratio1.15
P/S Ratio1.92
EPS (TTM)$4.72
52-Week High$66.90
52-Week Low$39.01
Dividend Yield1.83%

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$38.0M$53.0M$57.0M$62.0M
Operating Profit$8.0M$9.0M$14.0M$13.0M$14.0M
Net Profit$7.0M$7.0M$11.0M$10.0M$11.0M
EPS$1.94$4.51$6.10$6.24$4.56
Op Margin27.2%24.4%26.6%22.7%22.1%

Balance Sheet (USD)

Metric20212022202320242025
Total Assets$795.0M$807.0M$964.0M$1.0B$1.1B
Total Liabilities$723.0M$635.0M$886.0M$948.0M$1.0B
Cash$282.0M$211.0M$149.0M$162.0M$147.0M
Borrowings$28.0M$5.0M$25.0M$25.0M$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 Ratio0.14
EV / EBITDA—
FCF Yield—
Quick Ratio—
Interest Coverage—
Return 1Y46.00%
Return 3Y60.93%
Return 5Y555.78%

Ownership

Insiders Held0.00%
Institutions Held0.19%
Institutions Float Held0.19%
Institutional HolderSharesReport Date
Benedetti & Gucer, Inc.67,2952022-12-31

Peer Comparison

TickerPriceChangeP/EMarket CapDiv Yield
CBKMConsumers Bancorp, Inc. $30.93 +3.17% 8.71 $97.27M 2.72%
CITZCitizens Bancshares Corp. $44.00 +0.05% 12.71 $91.66M 1.00%
CTUYCentury Next Financial Corporation $71.00 +0.00% 8.27 $90.70M 1.41%
CZBTCitizens Bancorp of Virginia, Inc. $42.00 +1.50% 8.35 $88.54M 2.86%
JBTCJBT Bancorp Inc. $39.97 -0.05% 8.47 $97.27M 3.20%

About Citizens Bancshares Corporation

Citizens Bancshares Corporation functions as the parent company for Citizens Trust Bank, delivering a comprehensive suite of commercial banking solutions to both individual and business clients. The institution's financial offerings include checking and savings accounts, alongside demand and money market deposits. Its lending portfolio is diverse, spanning commercial, financial, and agricultural loans; secured personal loans for items like automobiles, marketable securities, and recreational vehicles; unsecured consumer credit; financing for commercial real estate and single-family homes; and construction and development loans. Beyond these, the company provides investment accounts and certificate of deposit account registry services (CDARS). Further services encompass merchant solutions such as point-of-sale terminals, credit and debit card processing, electronic benefits transfer, gift card programs, and internet shopping cart capabilities, in addition to cash management services and credit cards. Digital banking via online and mobile platforms, as well as check reordering, are also available. The bank maintains a physical presence with seven full-service branches: five situated across metropolitan Atlanta, one in Birmingham, Alabama, and another in Eutaw, Alabama. Founded in 1921, the corporation is headquartered in Atlanta, Georgia.

Citizens Bancshares Corporation is headquartered in US.

Citizens Bancshares Corporation (CZBS) stock trades at $65.50 with a market capitalization of $117.96M. The stock is valued at a price-to-earnings (P/E) ratio of 13.88, price-to-book of 1.15, price-to-sales of 1.92. Over the past 52 weeks the stock has ranged between $39.01 and $66.90, and currently trades 2.1% below its 52-week high. It pays a dividend yielding 1.83%.

On profitability, Citizens Bancshares Corporation 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: ctbconnect.com

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