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

2.47K

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 year
Period	Revenue (USD)
2016	17.24M
2015	17.37M
2014	17.8M
2013	18.25M
2012	21.48M
2011	21.55M
2010	23.77M
2009	25.11M
2008	25.35M
2007	27.33M

Net Income (USD)

CZBS Net Income (USD) by year
Period	Net Income (USD)
2016	2.11M
2015	1.82M
2014	1.81M
2013	1.35M
2012	769.82K
2011	267.63K
2010	629.2K
2009	1.03M
2008	1.02M
2007	2.86M

Operating Income (USD)

CZBS Operating Income (USD) by year
Period	Operating Income (USD)
2016	2.56M
2015	2.13M
2014	1.94M
2013	1.2M
2012	-131.25K
2011	-814.93K
2010	-274.55K
2009	851.45K
2008	1.06M
2007	3.67M

EBITDA (USD)

CZBS EBITDA (USD) by year
Period	EBITDA (USD)
2016	7.13M
2015	3.63M
2014	3.46M
2013	3.16M
2012	1.97M
2011	888.58K
2010	1.5M
2009	2.3M
2008	2.04M
2007	4.71M

Cash Flows (USD)

CZBS Cash Flows (USD) by year
Period	Cash Flows (USD)
2016	3.01M
2015	2.06M
2014	3.33M
2013	4.36M
2012	8.31M
2011	6.26M
2010	5.28M
2009	-3.26M
2008	2.74M
2007	3.31M

EPS (USD)

CZBS EPS (USD) by year
Period	EPS (USD)
2016	0.88
2015	0.71
2014	0.71
2013	0.51
2012	0.28
2011	0.02
2010	0.17
2009	0.39
2008	0.48
2007	1.37

Expenses (USD)

CZBS Expenses (USD) by year
Period	Expenses (USD)
2016	8.65M
2015	9.31M
2014	6.82M
2013	6.75M
2012	7.07M
2011	7.33M
2010	8.27M
2009	8.54M
2008	8.05M
2007	8.5M

Cash & Debt (USD)

CZBS Cash & Debt (USD) by year
Period	Cash & Debt (USD)
2016	37.95M
2015	33.3M
2014	48.76M
2013	29.52M
2012	41.28M
2011	34.86M
2010	26.01M
2009	29.48M
2008	16.49M
2007	8.81M

Debt ratios

CZBS Debt ratios by year
Period	Debt ratios
2016	-2.17
2015	-2.3
2014	-5.12
2013	-3.89
2012	-6.16
2011	-5.14
2010	-2.43
2009	-1.06

Margins

CZBS Margins by year
Period	Margins
2016	71.53%
2015	95.4%
2014	94.9%
2013	92.72%
2012	83.93%
2011	74.9%
2010	79.21%
2009	72.98%
2008	64.83%
2007	69.31%

Return on Capital

CZBS Return on Capital by year
Period	Return on Capital
2016	4.48%
2015	3.61%
2014	3.65%
2013	2.91%
2012	1.57%
2011	0.55%
2010	1.37%
2009	2.43%
2008	3.04%
2007	8.62%

Shares Outstanding

CZBS Shares Outstanding by year
Period	Shares Outstanding
2016	2.22M
2015	2.2M
2014	2.17M
2013	2.16M
2012	2.19M
2011	2.12M
2010	2.12M
2009	2.1M
2008	2.1M
2007	2.09M

Dividends (USD)

CZBS Dividends (USD) by year
Period	Dividends (USD)
2026	1.2
2025	1.1
2024	1
2023	0.75
2022	0.5
2021	0.4
2020	0.35
2019	0.5
2018	0.25
2017	0.08

Book Value Per Share (USD)

CZBS Book Value Per Share (USD) by year
Period	Book Value Per Share (USD)
2016	21.27
2015	22.92
2014	22.82
2013	21.46
2012	22.45
2011	22.88
2010	21.6
2009	20.07
2008	16.04
2007	15.83

Total Assets (USD)

CZBS Total Assets (USD) by year
Period	Total Assets (USD)
2016	395.77M
2015	388.62M
2014	395.64M
2013	387.73M
2012	395.6M
2011	397.16M
2010	387.81M
2009	387.54M
2008	348.1M
2007	338.38M

PE Ratio

CZBS PE Ratio by year
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 year
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 year
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 year
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 year
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 year
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