Home / CZBS : OTC

AI Analysis Fundamentals Valuation Video Analysis Similar

AI Analysis

How does CZBS make money? Does CZBS have pricing power? What's the Earnings Whisper? Will CZBS profit more as the business scales? What is CZBS's management track record? Is CZBS's current price justified?

Citizens Bancshares Corporation

$65.21 +$20.70 (+46.51%)

OTC · 15 Sep 2026 15:56 UTC

Previous Close

$65.25

Day Range

$65.21 - $65.21

Year Range

$39.01$66.9

Market Cap

117.44M

AVG Volume

2.54K

Trailing/Forward PE

13.82/-

PEG ratio

0.14

Dividend Yield

1.84%

Next Earnings Date

Primary Exchange

Other OTC

Revenue (USD)

CZBS Revenue (USD) by quarter
Period	Revenue (USD)
26 Q1	12.05M
24 Q4	3.13M
24 Q3	1.07M
16 Q4	4.47M
16 Q3	4.4M
16 Q2	4.36M
16 Q1	4.01M
15 Q4	4.37M
15 Q3	4.44M
15 Q2	4.22M

Net Income (USD)

CZBS Net Income (USD) by quarter
Period	Net Income (USD)
26 Q1	6.51M
24 Q4	-1.72M
24 Q3	-6.9M
16 Q4	458.61K
16 Q3	547K
16 Q2	749K
16 Q1	358K
15 Q4	623.16K
15 Q3	420K
15 Q2	348K

Operating Income (USD)

CZBS Operating Income (USD) by quarter
Period	Operating Income (USD)
26 Q1	6.51M
24 Q4	-1.72M
24 Q3	-6.9M
16 Q4	371.58K
16 Q3	723K
16 Q2	1.03M
16 Q1	434K
15 Q4	663.01K
15 Q3	527K
15 Q2	414K

EBITDA (USD)

CZBS EBITDA (USD) by quarter
Period	EBITDA (USD)
26 Q1	6.51M
24 Q4	-1.72M
24 Q3	-6.9M
16 Q4	4.04M
16 Q3	1.01M
16 Q2	1.25M
16 Q1	832K
15 Q4	1.05M
15 Q3	860K
15 Q2	819K

Cash Flows (USD)

CZBS Cash Flows (USD) by quarter
Period	Cash Flows (USD)
16 Q4	2.49M
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

EPS (USD)

CZBS EPS (USD) by quarter
Period	EPS (USD)
26 Q1	1.23
24 Q4	1.69
24 Q3	0.48
16 Q4	0.21
16 Q3	0.22
16 Q2	0.31
16 Q1	0.14
15 Q4	0.25
15 Q3	0.16
15 Q2	0.13

Expenses (USD)

CZBS Expenses (USD) by quarter
Period	Expenses (USD)
15 Q1	78K
14 Q4	296.42K
14 Q3	16K
26 Q1	0
24 Q4	0
24 Q3	0
16 Q4	2.6M
16 Q3	1.77M
16 Q2	2.46M
16 Q1	1.83M
15 Q4	3.82M
15 Q3	1.93M
15 Q2	1.81M

Cash & Debt (USD)

CZBS Cash & Debt (USD) by quarter
Period	Cash & Debt (USD)
24 Q4	161.56M
16 Q4	37.95M
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

Debt ratios

CZBS Debt ratios by quarter
Period	Debt ratios
24 Q4	44.93
16 Q4	-5.29
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

Margins

CZBS Margins by quarter
Period	Margins
26 Q1	98.95%
24 Q4	94.82%
24 Q3	874.16%
16 Q4	0.1%
16 Q3	95.23%
16 Q2	100.23%
16 Q1	93.91%
15 Q4	98.52%
15 Q3	94.43%
15 Q2	94.58%

Return on Capital

CZBS Return on Capital by quarter
Period	Return on Capital
24 Q4	-0.93%
16 Q4	0.97%
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%

Shares Outstanding

CZBS Shares Outstanding by quarter
Period	Shares Outstanding
26 Q1	1.03M
24 Q4	1.79M
24 Q3	1.8M
16 Q4	2.22M
16 Q3	2.21M
16 Q2	2.21M
16 Q1	2.2M
15 Q4	2.2M
15 Q3	2.19M
15 Q2	2.18M

Dividends (USD)

CZBS Dividends (USD) by quarter
Period	Dividends (USD)
Mar 26	1.2
Mar 25	1.1
Mar 24	1
Feb 23	0.75
Apr 22	0.5
Apr 21	0.4
Apr 20	0.35
Aug 19	0.2
Apr 19	0.3
Apr 18	0.25

Book Value Per Share (USD)

CZBS Book Value Per Share (USD) by quarter
Period	Book Value Per Share (USD)
24 Q4	104.19
16 Q4	21.27
16 Q3	23.89
16 Q2	23.95
16 Q1	23.56
15 Q4	22.92
15 Q3	23.1
15 Q2	22.73
15 Q1	22.96
14 Q4	22.82

Total Assets (USD)

CZBS Total Assets (USD) by quarter
Period	Total Assets (USD)
24 Q4	799.9M
16 Q4	395.77M
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

PE Ratio

CZBS PE Ratio by quarter
Period	PE Ratio
Dec 24	53.2
Dec 24	52.49
Dec 24	55.64
Dec 24	56.69
Nov 24	56.69
Nov 24	57.32
Nov 24	60.74
Nov 24	62.21
Nov 24	56.96
Oct 24	58.79
Oct 24	55.75
Oct 24	54.07
Oct 24	54.3
Sep 24	53.4
Sep 24	52.49
Sep 24	50.93
Sep 24	51.97
Aug 24	50.66
Aug 24	50.66
Aug 24	50.39
Aug 24	49.61
Aug 24	50.39
Jul 24	49.34
Jul 24	49.87
Jul 24	48.2
Jul 24	47.78
Jun 24	47.99
Jun 24	48.82
Jun 24	48.28
Jun 24	48.29
May 24	49.76
May 24	50.39
May 24	50.66
May 24	49.61
May 24	50.39
Apr 24	50.87
Apr 24	50.81
Apr 24	51.1
Apr 24	51.97
Mar 24	52.48
Mar 24	51.96
Mar 24	50.13
Mar 24	53.23
Mar 24	48.87
Feb 24	47.51
Feb 24	45.67
Feb 24	45.67
Feb 24	45.66
Jan 24	43.68
Jan 24	40.74
Jan 24	39.48
Jan 24	39.9
Dec 23	40.95
Dec 23	41.73
Dec 23	40.16
Dec 23	40.95
Dec 23	37.56
Nov 23	36.65
Nov 23	36.22
Nov 23	36.43
Nov 23	37.69
Oct 23	37.74
Oct 23	35.45
Oct 23	35.7
Oct 23	36.9
Sep 23	38.74
Sep 23	38.95
Sep 23	38.95
Sep 23	39.76
Sep 23	41.48
Aug 23	42
Aug 23	41.52
Aug 23	40.95
Aug 23	43.31
Jul 23	45.66
Jul 23	44.62
Jul 23	41.94
Jul 23	36.8
Jun 23	37.8
Jun 23	37.8
Jun 23	37.53
Jun 23	37.01
Jun 23	38.22
May 23	37.53
May 23	37.59
May 23	36.48
May 23	37.39
Apr 23	41.94
Apr 23	43.99
Apr 23	43.05
Apr 23	42
Mar 23	40.47
Mar 23	39.91
Mar 23	42.54
Mar 23	47.24
Mar 23	45.93
Feb 23	44.2
Feb 23	39.06
Feb 23	37.8
Feb 23	38.85

Free Cash Flow Yield

CZBS Free Cash Flow Yield by quarter
Period	Free Cash Flow Yield
Dec 24	2.68%
Dec 24	2.71%
Dec 24	2.56%
Dec 24	2.51%
Nov 24	2.51%
Nov 24	2.48%
Nov 24	2.34%
Nov 24	2.29%
Nov 24	2.5%
Oct 24	2.42%
Oct 24	2.55%
Oct 24	2.63%
Oct 24	2.62%
Sep 24	2.67%
Sep 24	2.71%
Sep 24	2.8%
Sep 24	2.74%
Aug 24	2.81%
Aug 24	2.81%
Aug 24	2.83%
Aug 24	2.87%
Aug 24	2.83%
Jul 24	2.89%
Jul 24	2.86%
Jul 24	2.95%
Jul 24	2.98%
Jun 24	2.97%
Jun 24	2.92%
Jun 24	2.95%
Jun 24	2.95%
May 24	2.86%
May 24	2.83%
May 24	2.81%
May 24	2.87%
May 24	2.83%
Apr 24	2.8%
Apr 24	2.8%
Apr 24	2.79%
Apr 24	2.74%
Mar 24	2.71%
Mar 24	2.74%
Mar 24	2.84%
Mar 24	2.67%
Mar 24	2.91%
Feb 24	3%
Feb 24	3.12%
Feb 24	3.12%
Feb 24	3.12%
Jan 24	3.26%
Jan 24	3.5%
Jan 24	3.61%
Jan 24	3.57%
Dec 23	3.48%
Dec 23	3.41%
Dec 23	3.55%
Dec 23	3.48%
Dec 23	3.79%
Nov 23	3.88%
Nov 23	3.93%
Nov 23	3.91%
Nov 23	3.78%
Oct 23	3.77%
Oct 23	4.02%
Oct 23	3.99%
Oct 23	3.86%
Sep 23	3.68%
Sep 23	3.66%
Sep 23	3.66%
Sep 23	3.58%
Sep 23	3.43%
Aug 23	3.39%
Aug 23	3.43%
Aug 23	3.48%
Aug 23	3.29%
Jul 23	3.12%
Jul 23	3.19%
Jul 23	3.39%
Jul 23	3.87%
Jun 23	3.77%
Jun 23	3.77%
Jun 23	3.79%
Jun 23	3.85%
Jun 23	3.73%
May 23	3.79%
May 23	3.79%
May 23	3.9%
May 23	3.81%
Apr 23	3.39%
Apr 23	3.24%
Apr 23	3.31%
Apr 23	3.39%
Mar 23	3.52%
Mar 23	3.57%
Mar 23	3.35%
Mar 23	3.01%
Mar 23	3.1%
Feb 23	3.22%
Feb 23	3.65%
Feb 23	3.77%
Feb 23	3.67%

Price to Sales

CZBS Price to Sales by quarter
Period	Price to Sales
Sep 26	3.25
Sep 26	3.25
Sep 26	3.24
Aug 26	3.17
Aug 26	3.13
Aug 26	3.09
Aug 26	3.19
Jul 26	3.26
Jul 26	3.03
Jul 26	2.8
Jul 26	2.75
Jul 26	2.7
Jun 26	7.3
Jun 26	7.33
Jun 26	7.31
Jun 26	7.28
May 26	7.11
May 26	6.9
May 26	6.87
May 26	6.85
May 26	6.91
Apr 26	7.11
Apr 26	6.67
Apr 26	6.6
Apr 26	6.36
Mar 26	6.29
Mar 26	6.47
Mar 26	6.58
Mar 26	6.63
Feb 26	6.55
Feb 26	6.36
Feb 26	6.43
Feb 26	6.21
Jan 26	6.1
Jan 26	6.05
Jan 26	5.96
Jan 26	6
Jan 26	6.09
Dec 25	6
Dec 25	5.85
Dec 25	5.81
Dec 25	5.68
Nov 25	5.54
Nov 25	5.38
Nov 25	5.74
Nov 25	5.44
Oct 25	5.68
Oct 25	5.89
Oct 25	6.02
Oct 25	6.18
Oct 25	6.32
Sep 25	6.29
Sep 25	6.42
Sep 25	6.43
Sep 25	6.37
Aug 25	6.33
Aug 25	6.31
Aug 25	6.22
Aug 25	6.24
Aug 25	6.19
Jul 25	6.36
Jul 25	6.25
Jul 25	6.18
Jul 25	6.18
Jun 25	6.26
Jun 25	6.33
Jun 25	6.56
Jun 25	6.84
May 25	6.34
May 25	6.6
May 25	6.77
May 25	6.43
May 25	6.5
Apr 25	6.36
Apr 25	6.7
Apr 25	6.97
Apr 25	6.37
Mar 25	6.55
Mar 25	6.49
Mar 25	6.55
Mar 25	6.8
Feb 25	6.74
Feb 25	6.61
Feb 25	6.86
Feb 25	6.89
Jan 25	6.49
Jan 25	6.44
Jan 25	6.49
Jan 25	6.53
Jan 25	6.68
Dec 24	6.52
Dec 24	6.43
Dec 24	6.82
Dec 24	6.95
Nov 24	6.95
Nov 24	7.03
Nov 24	7.44
Nov 24	7.62
Nov 24	6.98
Oct 24	7.21

EV/EBITDA

CZBS EV/EBITDA by quarter
Period	EV/EBITDA
Dec 24	10.47
Dec 24	10.26
Dec 24	11.19
Dec 24	11.5
Nov 24	11.5
Nov 24	11.69
Nov 24	12.7
Nov 24	13.14
Nov 24	11.58
Oct 24	12.12
Oct 24	11.22
Oct 24	10.73
Oct 24	10.79
Sep 24	10.53
Sep 24	10.26
Sep 24	9.8
Sep 24	10.1
Aug 24	9.71
Aug 24	9.71
Aug 24	9.64
Aug 24	9.4
Aug 24	9.64
Jul 24	9.33
Jul 24	9.48
Jul 24	8.99
Jul 24	8.86
Jun 24	8.92
Jun 24	9.17
Jun 24	9.01
Jun 24	9.01
May 24	9.45
May 24	9.64
May 24	9.71
May 24	9.4
May 24	9.64
Apr 24	9.78
Apr 24	9.76
Apr 24	9.85
Apr 24	10.1
Mar 24	10.26
Mar 24	10.1
Mar 24	9.56
Mar 24	10.48
Mar 24	9.19
Feb 24	8.78
Feb 24	8.24
Feb 24	8.24
Feb 24	8.23
Jan 24	7.65
Jan 24	6.78
Jan 24	6.4
Jan 24	6.53
Dec 23	6.84
Dec 23	7.07
Dec 23	6.6
Dec 23	6.84
Dec 23	5.84
Nov 23	5.57
Nov 23	5.44
Nov 23	5.5
Nov 23	5.87
Oct 23	5.89
Oct 23	5.21
Oct 23	5.28
Oct 23	5.64
Sep 23	6.18
Sep 23	6.25
Sep 23	6.25
Sep 23	6.49
Sep 23	7
Aug 23	7.15
Aug 23	7.01
Aug 23	6.84
Aug 23	7.54
Jul 23	8.23
Jul 23	7.93
Jul 23	7.13
Jul 23	5.61
Jun 23	5.9
Jun 23	5.9
Jun 23	5.83
Jun 23	5.67
Jun 23	6.03
May 23	5.83
May 23	5.84
May 23	5.52
May 23	5.78
Apr 23	7.13
Apr 23	7.74
Apr 23	7.46
Apr 23	7.15
Mar 23	6.7
Mar 23	6.53
Mar 23	7.31
Mar 23	8.7
Mar 23	8.32
Feb 23	7.8
Feb 23	6.28
Feb 23	5.9
Feb 23	6.22

Price/Operating Cashflow

CZBS Price/Operating Cashflow by quarter
Period	Price/Operating Cashflow
Dec 24	28.71
Dec 24	28.33
Dec 24	30.03
Dec 24	30.6
Nov 24	30.6
Nov 24	30.94
Nov 24	32.78
Nov 24	33.57
Nov 24	30.74
Oct 24	31.73
Oct 24	30.09
Oct 24	29.18
Oct 24	29.31
Sep 24	28.82
Sep 24	28.33
Sep 24	27.49
Sep 24	28.05
Aug 24	27.34
Aug 24	27.34
Aug 24	27.2
Aug 24	26.77
Aug 24	27.2
Jul 24	26.63
Jul 24	26.92
Jul 24	26.01
Jul 24	25.79
Jun 24	25.9
Jun 24	26.35
Jun 24	26.06
Jun 24	26.07
May 24	26.86
May 24	27.2
May 24	27.34
May 24	26.77
May 24	27.2
Apr 24	27.45
Apr 24	27.43
Apr 24	27.58
Apr 24	28.05
Mar 24	28.33
Mar 24	28.04
Mar 24	27.06
Mar 24	28.73
Mar 24	26.38
Feb 24	25.64
Feb 24	24.65
Feb 24	24.65
Feb 24	24.64
Jan 24	23.57
Jan 24	21.99
Jan 24	21.31
Jan 24	21.53
Dec 23	22.1
Dec 23	22.52
Dec 23	21.67
Dec 23	22.1
Dec 23	20.27
Nov 23	19.78
Nov 23	19.55
Nov 23	19.66
Nov 23	20.34
Oct 23	20.37
Oct 23	19.14
Oct 23	19.27
Oct 23	19.92
Sep 23	20.91
Sep 23	21.02
Sep 23	21.02
Sep 23	21.46
Sep 23	22.39
Aug 23	22.67
Aug 23	22.41
Aug 23	22.1
Aug 23	23.37
Jul 23	24.64
Jul 23	24.08
Jul 23	22.64
Jul 23	19.86
Jun 23	20.4
Jun 23	20.4
Jun 23	20.26
Jun 23	19.97
Jun 23	20.63
May 23	20.26
May 23	20.29
May 23	19.69
May 23	20.18
Apr 23	22.64
Apr 23	23.74
Apr 23	23.23
Apr 23	22.67
Mar 23	21.84
Mar 23	21.54
Mar 23	22.96
Mar 23	25.5
Mar 23	24.79
Feb 23	23.86
Feb 23	21.08
Feb 23	20.4
Feb 23	20.97

Price to Book

CZBS Price to Book by quarter
Period	Price to Book
Jun 26	0.51
Jun 26	0.51
Jun 26	0.51
Jun 26	0.51
May 26	0.5
May 26	0.48
May 26	0.48
May 26	0.48
May 26	0.48
Apr 26	0.5
Apr 26	0.47
Apr 26	0.46
Apr 26	0.45
Mar 26	0.44
Mar 26	0.45
Mar 26	0.46
Mar 26	0.47
Feb 26	0.46
Feb 26	0.45
Feb 26	0.45
Feb 26	0.44
Jan 26	0.43
Jan 26	0.42
Jan 26	0.42
Jan 26	0.42
Jan 26	0.43
Dec 25	0.42
Dec 25	0.41
Dec 25	0.41
Dec 25	0.4
Nov 25	0.39
Nov 25	0.38
Nov 25	0.4
Nov 25	0.38
Oct 25	0.4
Oct 25	0.41
Oct 25	0.42
Oct 25	0.43
Oct 25	0.44
Sep 25	0.44
Sep 25	0.45
Sep 25	0.45
Sep 25	0.45
Aug 25	0.44
Aug 25	0.44
Aug 25	0.44
Aug 25	0.44
Aug 25	0.43
Jul 25	0.45
Jul 25	0.44
Jul 25	0.43
Jul 25	0.43
Jun 25	0.44
Jun 25	0.44
Jun 25	0.46
Jun 25	0.48
May 25	0.44
May 25	0.46
May 25	0.48
May 25	0.45
May 25	0.46
Apr 25	0.45
Apr 25	0.47
Apr 25	0.49
Apr 25	0.45
Dec 24	2.38
Dec 24	2.35
Dec 24	2.49
Dec 24	2.54
Nov 24	2.54
Nov 24	2.57
Nov 24	2.72
Nov 24	2.79
Nov 24	2.55
Oct 24	2.63
Oct 24	2.5
Oct 24	2.42
Oct 24	2.43
Sep 24	2.39
Sep 24	2.35
Sep 24	2.28
Sep 24	2.33
Aug 24	2.27
Aug 24	2.27
Aug 24	2.26
Aug 24	2.22
Aug 24	2.26
Jul 24	2.21
Jul 24	2.23
Jul 24	2.16
Jul 24	2.14
Jun 24	2.15
Jun 24	2.19
Jun 24	2.16
Jun 24	2.16
May 24	2.23
May 24	2.26
May 24	2.27
May 24	2.22
May 24	2.26

No video analysis for this stock yet. Request one from our team.

AI Analysis

Citizens Bancshares Corporation

Video analysis: CZBS

Similar companies