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    Banks - Regional
Citizens Bancshares Corp.

Citizens Bancshares Corp.

CITZ
Citizens Bancshares Corp.US flagOther OTC
44.00
USD
+0.02
- -
91.66MMarket Cap
Citizens Bancshares Corp.
CITZ
(Other OTC)

Recent

price

44.00

P/E

ratio

- -

div

yld

- -

ROIC.AI

2007
2008
2009
2010
2011
2012
2013
2014
2015
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
9.08
9.03
10.06
10.1
9.45
9.47
8.06
7.83
7.62
13.71
14.69
14.78
18.09
22.08
21.89
24.73
7.46
Revenue per Share
1.37
0.49
0.34
0.15
0.02
0.25
0.52
0.73
0.72
2.86
2.98
3.31
3.74
5.67
5.21
5.65
0.92
Basic EPS, GAAP
1.96
1.6
-1.49
2.56
2.97
4.06
2.02
1.55
0.94
3.72
0.65
6.46
5.51
6.06
4.44
7.45
0.69
Free Cash Flow per Basic Share
0.19
0.19
0.31
0.24
0.19
0.19
0.19
0.19
0.19
0.32
0.34
0.36
0.38
0.4
0.42
0.44
0.19
Dividend per Share
13.11
13.26
13.37
13.37
13.28
13.22
13.71
14.27
14.79
31.47
34.12
37.07
40.43
44.91
49.79
55.4
15.25
Book Value per Share
15.85
16.06
16.54
16.12
17.3
17.29
16.01
17.41
17.62
27.18
30.42
32.75
21.35
27.12
31.44
39.48
18.58
Tangible Book Value per Share
2
2
2
2
2
2
2
2
2
2
2
2
2
2
2
2
2
Basic Weighted Avg Shares
19
19
21
21
20
20
17
17
17
27
29
29
36
44
43
48
16
Sales/Revenue/Turnover
19.34
5.62
4.02
-1.28
- -
-0.65
6.91
11.45
12.75
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
1
1
1
2
2
2
2
2
2
1
1
1
2
2
2
2
1
Depreciation Expense
3
1
1
1
- -
1
1
2
2
6
6
7
7
11
10
11
2
Net Income, GAAP
22.23
3.72
- -
- -
- -
- -
- -
6.88
14.39
23.21
16.82
20.17
20.57
20.65
20.85
18.78
20.18
Effective Tax Rate (%)
15.04
5.41
4.85
2.95
1.34
3.76
7.78
10.66
10.91
20.88
20.29
22.43
20.66
25.66
23.81
22.84
13.83
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
19
29
14
- -
- -
- -
- -
- -
5
21
28
28
28
25
25
25
5
LT Debt
33
34
42
46
49
49
46
50
50
62
68
72
67
77
85
101
53
Total Equity
4.98
1.78
- -
- -
- -
- -
- -
3.75
3.45
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
10.88
3.71
2.56
1.12
0.11
1.88
3.83
5.2
5
11.96
9.09
9.31
9.64
13.29
11
10.7
6.24
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Mar'19
Jun'19
Sep'19
ST Debt
- -
- -
- -
LT Borrowings
5
5
5
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
12
12
12
Shares Outstanding
2
2
2
Market Capitalization
- -
- -
- -

Working Capital

FRC

•

in mil. unless spec.
Mar'19
Jun'19
Sep'19
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
51
57
39
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
5
5
5
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
7.91%
8.67%
19.08%
Free Cash Flow
99.63%
187.23%
66.48%
Net Income, GAAP
39.92%
15%
7.48%
Sales/Revenue/Turnover
10.63%
11.24%
12.04%
Total Cash Common Dividend
- -
5.1%
4.63%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
- -
- -
44
2024
- -
- -
- -
- -
43
2025
- -
- -
- -
- -
48

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
- -
- -
5.67
2024
- -
- -
- -
- -
5.21
2025
- -
- -
- -
- -
5.65

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
- -
- -
0.4
2024
- -
- -
- -
- -
0.42
2025
- -
- -
- -
- -
0.44
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Business
Citizens Bancshares Corporation (OTCPK:CITZ) operates as the bank holding company for The Citizens Bank, a community bank providing a full range of retail and commercial banking products and services primarily in South Carolina. The company offers checking and savings accounts; money market accounts; certificates of deposit; individual retirement accounts; debit and credit cards; personal loans, business loans, and mortgages; cash management services; mobile banking; and merchant services to individual and business customers in the Pee Dee, Midlands, Coastal, and Low Country regions of South Carolina. Incorporated in 1988 and headquartered in Olanta, South Carolina, Citizens Bancshares Corporation maintains a network of full-service banking centers focused on local community banking needs with no reported major acquisitions, partnerships, funding rounds, or strategic shifts in the last one to two years.