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Citizens Bancshares Corp.

$48.05 +$6.05 (+14.40%)

OTC · 11 Sep 2026 20:00 UTC

Previous Close

$48.05

Day Range

$48.05$54

Year Range

$32.5$54

Market Cap

100.1M

AVG Volume

835

Trailing/Forward PE

8.5/-

PEG ratio

0.36

Dividend Yield

0.92%

Next Earnings Date

Primary Exchange

Other OTC

Revenue (USD)

CITZ Revenue (USD) by quarter
Period	Revenue (USD)
16 Q3	4.4M
16 Q2	4.36M
16 Q1	4.01M
15 Q4	4.37M
15 Q3	4.44M
15 Q2	4.22M
15 Q1	4.34M
14 Q4	4.72M
14 Q3	4.32M
14 Q2	4.4M

Net Income (USD)

CITZ Net Income (USD) by quarter
Period	Net Income (USD)
16 Q3	547K
16 Q2	749K
16 Q1	358K
15 Q4	623.16K
15 Q3	420K
15 Q2	348K
15 Q1	428K
14 Q4	543.66K
14 Q3	376K
14 Q2	473K

Operating Income (USD)

CITZ Operating Income (USD) by quarter
Period	Operating Income (USD)
16 Q3	723K
16 Q2	1.03M
16 Q1	434K
15 Q4	663.01K
15 Q3	527K
15 Q2	414K
15 Q1	521K
14 Q4	519.32K
14 Q3	354K
14 Q2	570K

EBITDA (USD)

CITZ EBITDA (USD) by quarter
Period	EBITDA (USD)
16 Q3	1.01M
16 Q2	1.25M
16 Q1	832K
15 Q4	1.05M
15 Q3	860K
15 Q2	819K
15 Q1	901K
14 Q4	916.35K
14 Q3	681K
14 Q2	1.01M

Cash Flows (USD)

CITZ Cash Flows (USD) by quarter
Period	Cash Flows (USD)
16 Q3	-836K
16 Q2	679K
16 Q1	675K
15 Q4	130.16K
15 Q3	1.05M
15 Q2	784K
15 Q1	101K
14 Q4	876.39K
14 Q3	1.58M
14 Q2	623K

EPS (USD)

CITZ EPS (USD) by quarter
Period	EPS (USD)
16 Q3	0.22
16 Q2	0.31
16 Q1	0.14
15 Q4	0.28
15 Q3	0.16
15 Q2	0.16
15 Q1	0.19
14 Q4	0.25
14 Q3	0.17
14 Q2	0.22

Expenses (USD)

CITZ Expenses (USD) by quarter
Period	Expenses (USD)
16 Q3	1.77M
16 Q2	2.46M
16 Q1	1.83M
15 Q4	3.82M
15 Q3	1.93M
15 Q2	1.81M
15 Q1	1.75M
14 Q4	1.72M
14 Q3	1.71M
14 Q2	1.74M

Cash & Debt (USD)

CITZ Cash & Debt (USD) by quarter
Period	Cash & Debt (USD)
16 Q3	38.53M
16 Q2	56.95M
16 Q1	50.82M
15 Q4	33.3M
15 Q3	42.89M
15 Q2	45.81M
15 Q1	59.77M
14 Q4	48.76M
14 Q3	55.85M
14 Q2	52.75M

Debt ratios

CITZ Debt ratios by quarter
Period	Debt ratios
16 Q3	-8.05
16 Q2	-12.97
16 Q1	-12.8
15 Q4	-7.73
15 Q3	-12.2
15 Q2	-13.74
15 Q1	-16.94
14 Q4	-14
14 Q3	-16.29
14 Q2	-14.92

Margins

CITZ Margins by quarter
Period	Margins
16 Q3	95.23%
16 Q2	100.23%
16 Q1	93.91%
15 Q4	98.52%
15 Q3	94.43%
15 Q2	94.58%
15 Q1	94.03%
14 Q4	94.19%
14 Q3	95.12%
14 Q2	95.21%

Return on Capital

CITZ Return on Capital by quarter
Period	Return on Capital
16 Q3	1.04%
16 Q2	1.42%
16 Q1	0.69%
15 Q4	1.24%
15 Q3	0.83%
15 Q2	0.7%
15 Q1	0.85%
14 Q4	1.1%
14 Q3	0.77%
14 Q2	0.97%

Shares Outstanding

CITZ Shares Outstanding by quarter
Period	Shares Outstanding
16 Q3	2.21M
16 Q2	2.21M
16 Q1	2.2M
15 Q4	2.19M
15 Q3	2.19M
15 Q2	2.18M
15 Q1	2.19M
14 Q4	2.17M
14 Q3	2.17M
14 Q2	2.16M

Dividends (USD)

CITZ Dividends (USD) by quarter
Period	Dividends (USD)
Nov 25	0.44
Nov 24	0.42
Nov 23	0.4
Nov 22	0.38
Nov 21	0.36
Nov 20	0.34
Dec 19	0.32

Book Value Per Share (USD)

CITZ Book Value Per Share (USD) by quarter
Period	Book Value Per Share (USD)
16 Q3	23.89
16 Q2	23.95
16 Q1	23.56
15 Q4	22.96
15 Q3	23.1
15 Q2	22.73
15 Q1	22.96
14 Q4	22.86
14 Q3	22.4
14 Q2	22.47

Total Assets (USD)

CITZ Total Assets (USD) by quarter
Period	Total Assets (USD)
16 Q3	406.75M
16 Q2	414.18M
16 Q1	404.52M
15 Q4	388.62M
15 Q3	381.01M
15 Q2	390.99M
15 Q1	398.59M
14 Q4	395.64M
14 Q3	401.15M
14 Q2	406.77M

PE Ratio

CITZ PE Ratio by quarter
Period	PE Ratio
Sep 26	46.68
Sep 26	46.68
Aug 26	46.68
Aug 26	46.68
Aug 26	46.63
Aug 26	45.52
Jul 26	44.88
Jul 26	42.74
Jul 26	42.72
Jul 26	42.02
Jul 26	42.02
Jun 26	42.26
Jun 26	42.26
Jun 26	42.24
Jun 26	42.24
May 26	41.77
May 26	40.31
May 26	39.83
May 26	39.83
May 26	39.83
Apr 26	39.83
Apr 26	39.33
Apr 26	39.1
Apr 26	39.1
Mar 26	38.95
Mar 26	39.44
Mar 26	39.44
Mar 26	38.86
Feb 26	39.83
Feb 26	39.83
Feb 26	39.83
Feb 26	40.8
Jan 26	40.8
Jan 26	40.8
Jan 26	40.8
Jan 26	40.8
Jan 26	40.8
Dec 25	40.8
Dec 25	40.8
Dec 25	40.8
Dec 25	40.8
Nov 25	40.8
Nov 25	36.91
Nov 25	36.91
Nov 25	36.91
Oct 25	36.91
Oct 25	36.91
Oct 25	36.91
Oct 25	32.64
Oct 25	32.64
Sep 25	32.64
Sep 25	31.57
Sep 25	31.57
Sep 25	31.08
Aug 25	31.08
Aug 25	30.11
Aug 25	29.63
Aug 25	29.46
Aug 25	29.46
Jul 25	29.46
Jul 25	29.46
Jul 25	29.46
Jul 25	30.36
Jun 25	29.97
Jun 25	29.97
Jun 25	29.97
Jun 25	29.38
May 25	29.38
May 25	29.38
May 25	29.14
May 25	29.14
May 25	29.14
Apr 25	29.13
Apr 25	29.13
Apr 25	29.36
Apr 25	28.9
Mar 25	28.9
Mar 25	28.9
Mar 25	28.9
Mar 25	28.9
Feb 25	28.85
Feb 25	28.85
Feb 25	29.14
Feb 25	28.68
Jan 25	28.66
Jan 25	28.17
Jan 25	28.17
Jan 25	28.41
Jan 25	28.46
Dec 24	28.46
Dec 24	28.75
Dec 24	29
Dec 24	29.05
Nov 24	29.63
Nov 24	29.63
Nov 24	29.63
Nov 24	29.63
Nov 24	29.63
Oct 24	29.63
Oct 24	29.63

Free Cash Flow Yield

CITZ Free Cash Flow Yield by quarter
Period	Free Cash Flow Yield
Sep 26	0.61%
Sep 26	0.61%
Aug 26	0.61%
Aug 26	0.61%
Aug 26	0.61%
Aug 26	0.63%
Jul 26	0.63%
Jul 26	0.67%
Jul 26	0.67%
Jul 26	0.68%
Jul 26	0.68%
Jun 26	0.67%
Jun 26	0.67%
Jun 26	0.67%
Jun 26	0.67%
May 26	0.68%
May 26	0.71%
May 26	0.71%
May 26	0.71%
May 26	0.71%
Apr 26	0.71%
Apr 26	0.72%
Apr 26	0.73%
Apr 26	0.73%
Mar 26	0.73%
Mar 26	0.72%
Mar 26	0.72%
Mar 26	0.73%
Feb 26	0.71%
Feb 26	0.71%
Feb 26	0.71%
Feb 26	0.7%
Jan 26	0.7%
Jan 26	0.7%
Jan 26	0.7%
Jan 26	0.7%
Jan 26	0.7%
Dec 25	0.7%
Dec 25	0.7%
Dec 25	0.7%
Dec 25	0.7%
Nov 25	0.7%
Nov 25	0.77%
Nov 25	0.77%
Nov 25	0.77%
Oct 25	0.77%
Oct 25	0.77%
Oct 25	0.77%
Oct 25	0.87%
Oct 25	0.87%
Sep 25	0.87%
Sep 25	0.9%
Sep 25	0.9%
Sep 25	0.92%
Aug 25	0.92%
Aug 25	0.95%
Aug 25	0.96%
Aug 25	0.97%
Aug 25	0.97%
Jul 25	0.97%
Jul 25	0.97%
Jul 25	0.97%
Jul 25	0.94%
Jun 25	0.95%
Jun 25	0.95%
Jun 25	0.95%
Jun 25	0.97%
May 25	0.97%
May 25	0.97%
May 25	0.98%
May 25	0.98%
May 25	0.98%
Apr 25	0.98%
Apr 25	0.98%
Apr 25	0.97%
Apr 25	0.98%
Mar 25	0.98%
Mar 25	0.98%
Mar 25	0.98%
Mar 25	0.98%
Feb 25	0.99%
Feb 25	0.99%
Feb 25	0.98%
Feb 25	0.99%
Jan 25	0.99%
Jan 25	1.01%
Jan 25	1.01%
Jan 25	1%
Jan 25	1%
Dec 24	1%
Dec 24	0.99%
Dec 24	0.98%
Dec 24	0.98%
Nov 24	0.96%
Nov 24	0.96%
Nov 24	0.96%
Nov 24	0.96%
Nov 24	0.96%
Oct 24	0.96%
Oct 24	0.96%

Price to Sales

CITZ Price to Sales by quarter
Period	Price to Sales
Sep 26	6.2
Sep 26	6.2
Aug 26	6.2
Aug 26	6.2
Aug 26	6.19
Aug 26	6.05
Jul 26	5.96
Jul 26	5.68
Jul 26	5.68
Jul 26	5.58
Jul 26	5.58
Jun 26	5.61
Jun 26	5.61
Jun 26	5.61
Jun 26	5.61
May 26	5.55
May 26	5.36
May 26	5.29
May 26	5.29
May 26	5.29
Apr 26	5.29
Apr 26	5.23
Apr 26	5.19
Apr 26	5.19
Mar 26	5.18
Mar 26	5.24
Mar 26	5.24
Mar 26	5.16
Feb 26	5.29
Feb 26	5.29
Feb 26	5.29
Feb 26	5.42
Jan 26	5.42
Jan 26	5.42
Jan 26	5.42
Jan 26	5.42
Jan 26	5.42
Dec 25	5.42
Dec 25	5.42
Dec 25	5.42
Dec 25	5.42
Nov 25	5.42
Nov 25	4.9
Nov 25	4.9
Nov 25	4.9
Oct 25	4.9
Oct 25	4.9
Oct 25	4.9
Oct 25	4.34
Oct 25	4.34
Sep 25	4.34
Sep 25	4.19
Sep 25	4.19
Sep 25	4.13
Aug 25	4.13
Aug 25	4
Aug 25	3.94
Aug 25	3.91
Aug 25	3.91
Jul 25	3.91
Jul 25	3.91
Jul 25	3.91
Jul 25	4.03
Jun 25	3.98
Jun 25	3.98
Jun 25	3.98
Jun 25	3.9
May 25	3.9
May 25	3.9
May 25	3.87
May 25	3.87
May 25	3.87
Apr 25	3.87
Apr 25	3.87
Apr 25	3.9
Apr 25	3.84
Mar 25	3.84
Mar 25	3.84
Mar 25	3.84
Mar 25	3.84
Feb 25	3.83
Feb 25	3.83
Feb 25	3.87
Feb 25	3.81
Jan 25	3.81
Jan 25	3.74
Jan 25	3.74
Jan 25	3.78
Jan 25	3.78
Dec 24	3.78
Dec 24	3.82
Dec 24	3.85
Dec 24	3.86
Nov 24	3.94
Nov 24	3.94
Nov 24	3.94
Nov 24	3.94
Nov 24	3.94
Oct 24	3.94
Oct 24	3.94

EV/EBITDA

CITZ EV/EBITDA by quarter
Period	EV/EBITDA
Sep 26	17.63
Sep 26	17.63
Aug 26	17.63
Aug 26	17.63
Aug 26	17.61
Aug 26	17
Jul 26	16.64
Jul 26	15.47
Jul 26	15.46
Jul 26	15.07
Jul 26	15.07
Jun 26	15.2
Jun 26	15.2
Jun 26	15.19
Jun 26	15.19
May 26	14.93
May 26	14.13
May 26	13.86
May 26	13.86
May 26	13.86
Apr 26	13.86
Apr 26	13.59
Apr 26	13.46
Apr 26	13.46
Mar 26	13.38
Mar 26	13.65
Mar 26	13.65
Mar 26	13.33
Feb 26	13.86
Feb 26	13.86
Feb 26	13.86
Feb 26	14.4
Jan 26	14.4
Jan 26	14.4
Jan 26	14.4
Jan 26	14.4
Jan 26	14.4
Dec 25	14.4
Dec 25	14.4
Dec 25	14.4
Dec 25	14.4
Nov 25	14.4
Nov 25	12.26
Nov 25	12.26
Nov 25	12.26
Oct 25	12.26
Oct 25	12.26
Oct 25	12.26
Oct 25	9.91
Oct 25	9.91
Sep 25	9.91
Sep 25	9.32
Sep 25	9.32
Sep 25	9.05
Aug 25	9.05
Aug 25	8.52
Aug 25	8.25
Aug 25	8.16
Aug 25	8.16
Jul 25	8.16
Jul 25	8.16
Jul 25	8.16
Jul 25	8.65
Jun 25	8.44
Jun 25	8.44
Jun 25	8.44
Jun 25	8.12
May 25	8.12
May 25	8.12
May 25	7.98
May 25	7.98
May 25	7.98
Apr 25	7.98
Apr 25	7.98
Apr 25	8.11
Apr 25	7.85
Mar 25	7.85
Mar 25	7.85
Mar 25	7.85
Mar 25	7.85
Feb 25	7.82
Feb 25	7.82
Feb 25	7.98
Feb 25	7.73
Jan 25	7.72
Jan 25	7.45
Jan 25	7.45
Jan 25	7.58
Jan 25	7.61
Dec 24	7.61
Dec 24	7.77
Dec 24	7.9
Dec 24	7.94
Nov 24	8.25
Nov 24	8.25
Nov 24	8.25
Nov 24	8.25
Nov 24	8.25
Oct 24	8.25
Oct 24	8.25

Price/Operating Cashflow

CITZ Price/Operating Cashflow by quarter
Period	Price/Operating Cashflow
Sep 26	69.56
Sep 26	69.56
Aug 26	69.56
Aug 26	69.56
Aug 26	69.49
Aug 26	67.84
Jul 26	66.88
Jul 26	63.7
Jul 26	63.67
Jul 26	62.62
Jul 26	62.62
Jun 26	62.97
Jun 26	62.97
Jun 26	62.94
Jun 26	62.94
May 26	62.25
May 26	60.08
May 26	59.35
May 26	59.35
May 26	59.35
Apr 26	59.35
Apr 26	58.61
Apr 26	58.27
Apr 26	58.27
Mar 26	58.05
Mar 26	58.77
Mar 26	58.77
Mar 26	57.9
Feb 26	59.35
Feb 26	59.35
Feb 26	59.35
Feb 26	60.8
Jan 26	60.8
Jan 26	60.8
Jan 26	60.8
Jan 26	60.8
Jan 26	60.8
Dec 25	60.8
Dec 25	60.8
Dec 25	60.8
Dec 25	60.8
Nov 25	60.8
Nov 25	55.01
Nov 25	55.01
Nov 25	55.01
Oct 25	55.01
Oct 25	55.01
Oct 25	55.01
Oct 25	48.64
Oct 25	48.64
Sep 25	48.64
Sep 25	47.05
Sep 25	47.05
Sep 25	46.32
Aug 25	46.32
Aug 25	44.88
Aug 25	44.15
Aug 25	43.91
Aug 25	43.91
Jul 25	43.91
Jul 25	43.91
Jul 25	43.91
Jul 25	45.24
Jun 25	44.66
Jun 25	44.66
Jun 25	44.66
Jun 25	43.79
May 25	43.79
May 25	43.79
May 25	43.43
May 25	43.43
May 25	43.43
Apr 25	43.41
Apr 25	43.41
Apr 25	43.76
Apr 25	43.07
Mar 25	43.07
Mar 25	43.07
Mar 25	43.07
Mar 25	43.07
Feb 25	42.99
Feb 25	42.99
Feb 25	43.43
Feb 25	42.73
Jan 25	42.7
Jan 25	41.98
Jan 25	41.98
Jan 25	42.34
Jan 25	42.42
Dec 24	42.42
Dec 24	42.85
Dec 24	43.21
Dec 24	43.3
Nov 24	44.15
Nov 24	44.15
Nov 24	44.15
Nov 24	44.15
Nov 24	44.15
Oct 24	44.15
Oct 24	44.15

Price to Book

CITZ Price to Book by quarter
Period	Price to Book
Sep 26	2.01
Sep 26	2.01
Aug 26	2.01
Aug 26	2.01
Aug 26	2.01
Aug 26	1.96
Jul 26	1.93
Jul 26	1.84
Jul 26	1.84
Jul 26	1.81
Jul 26	1.81
Jun 26	1.82
Jun 26	1.82
Jun 26	1.82
Jun 26	1.82
May 26	1.8
May 26	1.74
May 26	1.72
May 26	1.72
May 26	1.72
Apr 26	1.72
Apr 26	1.7
Apr 26	1.68
Apr 26	1.68
Mar 26	1.68
Mar 26	1.7
Mar 26	1.7
Mar 26	1.67
Feb 26	1.72
Feb 26	1.72
Feb 26	1.72
Feb 26	1.76
Jan 26	1.76
Jan 26	1.76
Jan 26	1.76
Jan 26	1.76
Jan 26	1.76
Dec 25	1.76
Dec 25	1.76
Dec 25	1.76
Dec 25	1.76
Nov 25	1.76
Nov 25	1.59
Nov 25	1.59
Nov 25	1.59
Oct 25	1.59
Oct 25	1.59
Oct 25	1.59
Oct 25	1.41
Oct 25	1.41
Sep 25	1.41
Sep 25	1.36
Sep 25	1.36
Sep 25	1.34
Aug 25	1.34
Aug 25	1.3
Aug 25	1.28
Aug 25	1.27
Aug 25	1.27
Jul 25	1.27
Jul 25	1.27
Jul 25	1.27
Jul 25	1.31
Jun 25	1.29
Jun 25	1.29
Jun 25	1.29
Jun 25	1.27
May 25	1.27
May 25	1.27
May 25	1.26
May 25	1.26
May 25	1.26
Apr 25	1.26
Apr 25	1.26
Apr 25	1.27
Apr 25	1.25
Mar 25	1.25
Mar 25	1.25
Mar 25	1.25
Mar 25	1.25
Feb 25	1.24
Feb 25	1.24
Feb 25	1.26
Feb 25	1.24
Jan 25	1.23
Jan 25	1.21
Jan 25	1.21
Jan 25	1.22
Jan 25	1.23
Dec 24	1.23
Dec 24	1.24
Dec 24	1.25
Dec 24	1.25
Nov 24	1.28
Nov 24	1.28
Nov 24	1.28
Nov 24	1.28
Nov 24	1.28
Oct 24	1.28
Oct 24	1.28

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Citizens Bancshares Corp.

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