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Citizens Bancshares Corporation CITZ

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Price alert · CITZ

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50.35 USD +0.25 +0.50%

At close · Oct 30

50.35 Day range 50.35
38.00 52-week range 50.35
YTD
+19.88%
1 year
+32.50%
Open
50.35
Prev close
50.10
Mkt cap
104.89M
Vol
100
Avg vol
56
EPS
5.45
P/E
9.24
Div yield
0.00%
More statistics
Low
50.35
High
50.35
Forward P/E
0.00
Beta
0.00
Short ratio
0.00
Inst. own
0.00%
Dividend
0.00
Ex-div date
50-d avg
0.00
200-d avg
0.00
1y target
0.00

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Financial health

Altman Z-Score

-0.57 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

4 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

Valuation

P/E 7.4×
FY 2013: 24.1×FY 2014: 17.2×FY 2015: 17.4×FY 2019: 8.3×FY 2020: 7.6×FY 2021: 8.5×FY 2022: 8.0×FY 2023: 4.9×FY 2024: 5.6×FY 2025: 7.4×
FY 2013 5y median 7.4× FY 2025
P/S 1.3×
FY 2013: 1.5×FY 2014: 1.5×FY 2015: 1.6×FY 2019: 1.6×FY 2020: 1.4×FY 2021: 1.8×FY 2022: 1.7×FY 2023: 1.3×FY 2024: 1.3×FY 2025: 1.3×
FY 2013 5y median 1.3× FY 2025
P/B 0.8×
FY 2013: 0.6×FY 2014: 0.5×FY 2015: 0.5×FY 2019: 0.8×FY 2020: 0.7×FY 2021: 0.8×FY 2022: 0.9×FY 2023: 0.7×FY 2024: 0.7×FY 2025: 0.8×
FY 2013 5y median 0.8× FY 2025
P/FCF 5.6×
FY 2013: 6.2×FY 2014: 7.7×FY 2015: 13.3×FY 2019: 6.4×FY 2020: 34.9×FY 2021: 4.3×FY 2022: 5.5×FY 2023: 4.6×FY 2024: 6.6×FY 2025: 5.6×
FY 2013 5y median 5.5× FY 2025
EV/EBITDA -2.6×
FY 2013: -0.7×FY 2014: -6.2×FY 2015: -0.2×FY 2019: -2.4×FY 2020: -9.8×FY 2021: -21.2×FY 2022: 0.0×FY 2023: 0.0×FY 2024: 0.0×FY 2025: -2.6×
FY 2013 5y median 0.0× FY 2025
EV/Sales -0.7×
FY 2013: -0.1×FY 2014: -1.2×FY 2015: -0.0×FY 2019: -0.7×FY 2020: -2.6×FY 2021: -6.6×FY 2022: -3.5×FY 2023: -2.2×FY 2024: -2.4×FY 2025: -0.7×
FY 2013 5y median -2.4× FY 2025
FCF Yield 17.7%
FY 2013: 16.2%FY 2014: 13.0%FY 2015: 7.5%FY 2019: 15.6%FY 2020: 2.9%FY 2021: 23.1%FY 2022: 18.3%FY 2023: 21.6%FY 2024: 15.2%FY 2025: 17.7%
FY 2013 5y median 18.3% FY 2025

Profitability

Gross Margin 78.4%
FY 2013: 92.7%FY 2014: 94.9%FY 2015: 95.4%FY 2019: 90.1%FY 2020: 94.5%FY 2021: 97.0%FY 2022: 100.0%FY 2023: 100.0%FY 2024: 100.0%FY 2025: 78.4%
FY 2013 5y median 100.0% FY 2025
Operating Margin 22.1%
FY 2013: 6.6%FY 2014: 10.9%FY 2015: 12.2%FY 2019: 24.5%FY 2020: 23.1%FY 2021: 27.2%FY 2022: 33.9%FY 2023: 33.3%FY 2024: 30.5%FY 2025: 22.1%
FY 2013 5y median 30.5% FY 2025
Net Margin 17.9%
FY 2013: 7.4%FY 2014: 10.2%FY 2015: 10.5%FY 2019: 18.8%FY 2020: 19.2%FY 2021: 21.7%FY 2022: 20.7%FY 2023: 25.7%FY 2024: 23.8%FY 2025: 17.9%
FY 2013 5y median 21.7% FY 2025
ROE 10.9%
FY 2013: 2.9%FY 2014: 3.6%FY 2015: 3.6%FY 2019: 9.1%FY 2020: 8.6%FY 2021: 9.0%FY 2022: 11.1%FY 2023: 14.5%FY 2024: 12.1%FY 2025: 10.9%
FY 2013 5y median 11.1% FY 2025
ROIC 8.3%
FY 2013: 2.6%FY 2014: 3.6%FY 2015: 3.3%FY 2019: 3.0%FY 2020: 2.2%FY 2021: 1.6%FY 2022: 9.3%FY 2023: 1.2%FY 2024: 1.0%FY 2025: 8.3%
FY 2013 5y median 1.6% FY 2025
ROA 1.0%
FY 2013: 0.3%FY 2014: 0.5%FY 2015: 0.5%FY 2019: 1.0%FY 2020: 0.9%FY 2021: 0.8%FY 2022: 0.7%FY 2023: 1.2%FY 2024: 1.0%FY 2025: 1.0%
FY 2013 5y median 1.0% FY 2025

Growth (YoY)

Revenue 42.8%
FY 2013: -15.0%FY 2014: -2.4%FY 2015: -2.4%FY 2019: 0.0%FY 2020: 2.2%FY 2021: -2.0%FY 2022: 18.7%FY 2023: 22.2%FY 2024: -1.0%FY 2025: 42.8%
FY 2013 FY 2025
Operating Income 3.2%
FY 2013: 1005.9%FY 2014: 62.1%FY 2015: 9.4%FY 2019: 0.0%FY 2020: -3.9%FY 2021: 15.8%FY 2022: 47.9%FY 2023: 19.7%FY 2024: -9.2%FY 2025: 3.2%
FY 2013 FY 2025
EPS (diluted) 8.3%
FY 2013: 104.0%FY 2014: 41.2%FY 2015: -1.4%FY 2019: 0.0%FY 2020: 4.0%FY 2021: 11.1%FY 2022: 12.9%FY 2023: 51.9%FY 2024: -8.0%FY 2025: 8.3%
FY 2013 FY 2025
Free Cash Flow 65.9%
FY 2013: -50.3%FY 2014: -18.8%FY 2015: -41.7%FY 2019: 0.0%FY 2020: -82.6%FY 2021: 901.3%FY 2022: -14.7%FY 2023: 9.9%FY 2024: -26.6%FY 2025: 65.9%
FY 2013 FY 2025

Financial Health

Current Ratio 0.2×
FY 2013: 0.1×FY 2014: 0.1×FY 2015: 0.1×FY 2019: 241×FY 2020: 1458×FY 2021: 4296×FY 2022: 0.2×FY 2023: 0.0×FY 2024: 0.0×FY 2025: 0.2×
FY 2013 5y median 0.2× FY 2025
Quick Ratio 0.2×
FY 2013: 0.1×FY 2014: 0.1×FY 2015: 0.1×FY 2019: 241×FY 2020: 1458×FY 2021: 4296×FY 2022: 0.2×FY 2023: 0.0×FY 2024: 0.0×FY 2025: 0.2×
FY 2013 5y median 0.2× FY 2025
Debt / Equity 0.2×
FY 2013: 0.0×FY 2014: 0.0×FY 2015: 0.1×FY 2019: 0.3×FY 2020: 0.4×FY 2021: 0.4×FY 2022: 0.4×FY 2023: 0.0×FY 2024: 0.0×FY 2025: 0.2×
FY 2013 5y median 0.2× FY 2025
Net Debt / EBITDA -7.8×
FY 2013: -9.3×FY 2014: -14.0×FY 2015: -7.7×FY 2019: -7.9×FY 2020: -15.2×FY 2021: -27.1×FY 2022: 0.0×FY 2023: 0.0×FY 2024: 0.0×FY 2025: -7.8×
FY 2013 5y median 0.0× FY 2025
Interest Coverage 1.0×
FY 2013: 1.3×FY 2014: 2.3×FY 2015: 3.0×FY 2019: 2.5×FY 2020: 4.2×FY 2021: 9.0×FY 2022: 5.3×FY 2023: 1.5×FY 2024: 0.9×FY 2025: 1.0×
FY 2013 5y median 1.5× FY 2025

Dividends

Dividend Yield 1.0%
FY 2013: 1.5%FY 2014: 1.5%FY 2015: 1.5%FY 2019: 1.3%FY 2020: 1.5%FY 2021: 1.3%FY 2022: 1.3%FY 2023: 1.4%FY 2024: 1.4%FY 2025: 1.0%
FY 2013 5y median 1.3% FY 2025
Payout Ratio 7.8%
FY 2013: 30.3%FY 2014: 22.6%FY 2015: 22.5%FY 2019: 11.2%FY 2020: 11.4%FY 2021: 10.9%FY 2022: 10.2%FY 2023: 7.1%FY 2024: 8.0%FY 2025: 7.8%
FY 2013 5y median 8.0% FY 2025

Annual · latest fiscal year ends 2025-12-31