Citizens Bancshares Corporation (CZBS)
Full history for every metric is available with a Kvantra account
No price history available.
Key financial summary
Financials in USDTTM unavailable| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 29 | 29 | 36 | 44 | 43 | 48 | - | - |
| Operating profit | $m | 14 | - | ||||||
| Net profit | $m | 6 | 7 | 7 | 11 | 10 | 11 | - | - |
| EPS reported | $ | 4.56 | - | ||||||
| Operating cashflow per share | $ | 8.67 | - | ||||||
| Capex per share | $ | 0.48 | - | ||||||
| FCF per share | $ | 8.19 | - | ||||||
| Free cash flow | $m | 15 | - | ||||||
| Net debt | $m | -122 | - | ||||||
| Book value equity | $m | 101 | - | ||||||
| Book value per share | $ | 55.03 | - | ||||||
| Number of shares | m | 1.84 | - | ||||||
| DPS (TTM paid) | $ | 1.20 | - |
Financial summary
Financials in USDTTM unavailable| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 9.84 | - | ||||||
| P/B LTM | x | 0.79 | - | ||||||
| P/S LTM | x | 1.65 | - | ||||||
| P/FCF LTM | x | 5.48 | - | ||||||
| EV/EBITDA LTM | x | -2.73 | - | ||||||
| EV/Sales LTM | x | -0.70 | - | ||||||
| Earnings Yield LTM | % | +10.16% | - | ||||||
| FCF Yield | % | +18.25% | - | ||||||
| Quality | |||||||||
| ROE | % | +10.90% | - | ||||||
| ROIC | % | +8.26% | - | ||||||
| Operating margin | % | +22.06% | - | ||||||
| Gross margin | % | +78.45% | - | ||||||
| FCF/Sales | % | +23.63% | - | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | -26.92% | - | ||||||
| Sales Growth YoY | % | +12.04% | - | ||||||
| Net Income Growth YoY | % | +7.48% | - | ||||||
| FCF Growth | % | +65.89% | - | ||||||
| Operating Profit Growth | % | +4.73% | - | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +1.08% | - | ||||||
| Dividend Growth | % | +9.09% | - | ||||||
| Payout Ratio | % | +10.24% | - | ||||||
| FCF/Debt | x | 0.58 | - | ||||||
| Net Debt/EBITDA | x | -7.81 | - | ||||||
| EBIT/Net interest | x | 1.02 | - | ||||||
| Net debt/market cap | % | +31.41% | - | ||||||
| Net debt/Equity | x | -1.21 | - | ||||||
| Gross debt/equity | x | 0.25 | - | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
Citizens Bancshares Corporation functions as the parent company for Citizens Trust Bank, delivering a comprehensive suite of commercial banking solutions to both individual and business clients. The institution's financial offerings include checking and savings accounts, alongside demand and money market deposits. Its lending portfolio is diverse, spanning commercial, financial, and agricultural loans; secured personal loans for items like automobiles, marketable securities, and recreational vehicles; unsecured consumer credit; financing for commercial real estate and single-family homes; and construction and development loans. Beyond these, the company provides investment accounts and certificate of deposit account registry services (CDARS). Further services encompass merchant solutions such as point-of-sale terminals, credit and debit card processing, electronic benefits transfer, gift card programs, and internet shopping cart capabilities, in addition to cash management services and credit cards. Digital banking via online and mobile platforms, as well as check reordering, are also available. The bank maintains a physical presence with seven full-service branches: five situated across metropolitan Atlanta, one in Birmingham, Alabama, and another in Eutaw, Alabama. Founded in 1921, the corporation is headquartered in Atlanta, Georgia.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Citizens Bancshares Corporation (CZBS)
No price history available.
Not enough data to calculate KvantraRank
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
Citizens Bancshares Corporation functions as the parent company for Citizens Trust Bank, delivering a comprehensive suite of commercial banking solutions to both individual and business clients. The institution's financial offerings include checking and savings accounts, alongside demand and money market deposits. Its lending portfolio is diverse, spanning commercial, financial, and agricultural loans; secured personal loans for items like automobiles, marketable securities, and recreational vehicles; unsecured consumer credit; financing for commercial real estate and single-family homes; and construction and development loans. Beyond these, the company provides investment accounts and certificate of deposit account registry services (CDARS). Further services encompass merchant solutions such as point-of-sale terminals, credit and debit card processing, electronic benefits transfer, gift card programs, and internet shopping cart capabilities, in addition to cash management services and credit cards. Digital banking via online and mobile platforms, as well as check reordering, are also available. The bank maintains a physical presence with seven full-service branches: five situated across metropolitan Atlanta, one in Birmingham, Alabama, and another in Eutaw, Alabama. Founded in 1921, the corporation is headquartered in Atlanta, Georgia.
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