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    Banks - Regional
Citizens Bancshares Corporation

Citizens Bancshares Corporation

CZBS
Citizens Bancshares CorporationUS flagOther OTC
52.44
USD
+0.44
- -
94.44MMarket Cap
Citizens Bancshares Corporation
CZBS
(Other OTC)

Recent

price

52.44

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
- -
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
- -
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
- -
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
- -
0.19
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
- -
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
- -
18.58
Tangible Book Value per Share
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
14
16
16

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
- -
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
- -
- -
0.4
2024
- -
- -
- -
- -
0.42
2025
- -
- -
- -
- -
- -
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Business
Citizens Bancshares Corporation Citizens Bancshares Corporation (OTC Pink: CZBS) serves as the holding company for Citizens Trust Bank, a community-focused financial institution providing a comprehensive range of commercial and retail banking services to individual, small business, and corporate customers primarily in metropolitan Atlanta, Georgia; Birmingham, Alabama; and Eutaw, Alabama. The company offers deposit products including checking and savings accounts, demand and money market deposits, noninterest-bearing deposits, interest-bearing deposits, investment accounts, and certificate of deposit account registry services; loan products encompassing commercial, financial, and agricultural loans, personal property-secured loans such as automobiles, marketable securities, recreational vehicles, and motorcycles, unsecured consumer debt, commercial real estate loans, single-family residential mortgages, and construction and development loans; and additional services such as merchant services including point-of-sale terminals, credit and debit card processing, electronic benefits transfer, gift cards, and internet shopping cart solutions, cash management services, credit cards, online and mobile banking, check reorder services, automated teller machine services, mortgage origination, and debit/credit card income generation. Founded in 1921 and headquartered at 230 Peachtree Street NW, Suite 2700, Atlanta, Georgia, the bank operates through seven full-service branches and emphasizes lending to low-to-moderate income and minority households and businesses, with over 95% of 2023 loan originations directed accordingly; it maintains a strong focus on underserved communities through initiatives like a $100,000 Down Payment Assistance Grant Program for first-time homebuyers, financial education programs reaching over 2,800 community members, and community development loans exceeding $82 million in 2023. Recent developments include robust financial performance with 35% revenue growth, 30% net income increase, and 11% loan growth in 2023, achieving a record earnings per share of $6.27 and ranking #28 among S&P Global's 100 Best Performing U.S. Community Banks under $3 billion in assets; a 33% increase in the annual common stock dividend to $1.00 per share declared in early 2024; first-quarter 2024 results showing 9% total revenue expansion to $10.7 million, 13% year-over-year loan growth to a record $400 million, improved net interest margin of 5.01%, and net income available to common shareholders of $3.6 million; digital enhancements such as contactless debit cards compatible with Apple and Google wallets, a new digital mortgage loan portal available in all 50 states, increased online banking adoption (16% business, 7% consumer), and a 13% rise in Zelle utilization; plans for a fintech partnership launching in third-quarter 2024 to automate loan decisioning with fraud prevention; formation of subsidiary CTB Financial Services, LLC in May 2023 to manage problem assets including a $5.9 million non-performing loan transfer; and forthcoming implementations of a new digital banking platform, instant-issue debit cards, and a digital marketing campaign to drive customer acquisition and wallet share expansion.

Company News

APIChat

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    Citizens Bancshares (OTCMKTS:CZBS) Stock Price Crosses Above 50-Day Moving Average – Should You Sell?

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    Contrasting Citizens Bancshares (OTCMKTS:CZBS) and Seacoast Banking Corporation of Florida (NASDAQ:SBCF)

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    Citizens Bancshares (OTCMKTS:CZBS) Stock Crosses Above 50-Day Moving Average – What’s Next?

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    Comparing Republic Bancorp (NASDAQ:RBCAA) and Citizens Bancshares (OTCMKTS:CZBS)

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    Head-To-Head Analysis: Citizens Bancshares (OTCMKTS:CZBS) and John Marshall Bancorp (NASDAQ:JMSB)

  • prnewswire.com

    Citizens Bancshares Corporation, parent company of Citizens Trust Bank Welcomes Alicia V. J. Wilson to its Board of Directors

  • seekingalpha.com

    Citizens Bancshares: Regional Bank Gets A Huge Capital Boost