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CZBS

Citizens Bancshares Corporation

USD

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Price alert · CZBS

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72.72 USD 0.00 0.00%
As of Oct 30, 2026
68.99 Day range 72.72
39.26 52-week range 72.72
YTD
+62.00%
1 year
+73.35%
Open
69.00
Prev close
72.72
Mkt cap
141.90M
Vol
1.33K
Avg vol
1.12K
EPS
5.45
P/E
13.34
More statistics
Low
68.99
High
72.72

5D chart

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Financial health

Altman Z-Score

-0.82 Distress zone

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

Piotroski F-Score

6 / 9 Average

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

FMP rating

C2 / 5 overall

  • DCF 5
  • Return on Equity 1
  • Return on Assets 1
  • Debt / Equity 1
  • P/E 1
  • P/B 1

Valuation

P/E 9.5×
FY 2016: 10.3×FY 2017: 19.0×FY 2018: 5.5×FY 2019: 6.3×FY 2020: 3.9×FY 2021: 5.2×FY 2022: 5.9×FY 2023: 6.2×FY 2024: 7.9×FY 2025: 9.5×
FY 2016 5y median 6.2× FY 2025
P/S 1.3×
FY 2016: 1.2×FY 2017: 1.5×FY 2018: 1.1×FY 2019: 0.8×FY 2020: 0.7×FY 2021: 0.7×FY 2022: 1.4×FY 2023: 1.4×FY 2024: 1.7×FY 2025: 1.3×
FY 2016 5y median 1.4× FY 2025
P/B 0.8×
FY 2016: 0.4×FY 2017: 0.7×FY 2018: 0.5×FY 2019: 0.4×FY 2020: 0.4×FY 2021: 0.3×FY 2022: 0.3×FY 2023: 1.0×FY 2024: 1.2×FY 2025: 0.8×
FY 2016 5y median 0.8× FY 2025
P/FCF 5.5×
FY 2016: 6.7×FY 2017: 19.7×FY 2018: 3.4×FY 2019: 3.2×FY 2020: 15.8×FY 2021: 1.6×FY 2022: 5.0×FY 2023: 6.3×FY 2024: 11.2×FY 2025: 5.5×
FY 2016 5y median 5.5× FY 2025
EV/EBITDA -2.7×
FY 2016: -1.6×FY 2017: -1.4×FY 2018: -0.3×FY 2019: -5.1×FY 2020: -15.7×FY 2021: -24.9×FY 2022: -13.9×FY 2023: -3.1×FY 2024: -2.6×FY 2025: -2.7×
FY 2016 5y median -3.1× FY 2025
EV/Sales -0.7×
FY 2016: -1.1×FY 2017: -1.1×FY 2018: -0.3×FY 2019: -1.4×FY 2020: -4.2×FY 2021: -7.8×FY 2022: -4.0×FY 2023: -0.9×FY 2024: -0.7×FY 2025: -0.7×
FY 2016 5y median -0.9× FY 2025
FCF Yield 18.2%
FY 2016: 15.0%FY 2017: 5.1%FY 2018: 29.4%FY 2019: 30.9%FY 2020: 6.3%FY 2021: 62.4%FY 2022: 19.9%FY 2023: 16.0%FY 2024: 8.9%FY 2025: 18.2%
FY 2016 5y median 18.2% FY 2025

Profitability

Gross Margin 78.4%
FY 2016: 0.1%FY 2017: 0.1%FY 2018: 0.1%FY 2019: 90.1%FY 2020: 94.5%FY 2021: 97.0%FY 2022: 94.0%FY 2023: 82.1%FY 2024: 75.5%FY 2025: 78.4%
FY 2016 5y median 82.1% FY 2025
Operating Margin 22.1%
FY 2016: 15.7%FY 2017: 20.5%FY 2018: 25.3%FY 2019: 24.5%FY 2020: 23.1%FY 2021: 27.2%FY 2022: 24.4%FY 2023: 26.6%FY 2024: 22.7%FY 2025: 22.1%
FY 2016 5y median 24.4% FY 2025
Net Margin 17.9%
FY 2016: 11.7%FY 2017: 7.9%FY 2018: 19.6%FY 2019: 18.8%FY 2020: 19.2%FY 2021: 21.7%FY 2022: 19.4%FY 2023: 21.1%FY 2024: 18.0%FY 2025: 17.9%
FY 2016 5y median 19.4% FY 2025
ROE 10.9%
FY 2016: 4.1%FY 2017: 3.7%FY 2018: 9.2%FY 2019: 9.1%FY 2020: 11.3%FY 2021: 9.0%FY 2022: 4.3%FY 2023: 14.5%FY 2024: 12.1%FY 2025: 10.9%
FY 2016 5y median 10.9% FY 2025
ROIC 8.3%
FY 2016: 0.5%FY 2017: 0.4%FY 2018: 1.0%FY 2019: 6.3%FY 2020: 4.4%FY 2021: 6.1%FY 2022: 2.7%FY 2023: 10.2%FY 2024: 8.9%FY 2025: 8.3%
FY 2016 5y median 8.3% FY 2025
ROA 1.0%
FY 2016: 0.5%FY 2017: 0.3%FY 2018: 1.0%FY 2019: 1.0%FY 2020: 1.0%FY 2021: 0.8%FY 2022: 0.9%FY 2023: 1.2%FY 2024: 1.0%FY 2025: 1.0%
FY 2016 5y median 1.0% FY 2025

Growth (YoY)

Revenue 7.8%
FY 2016: -4.4%FY 2017: 12.5%FY 2018: 8.0%FY 2019: 48.4%FY 2020: 2.2%FY 2021: -2.0%FY 2022: 26.3%FY 2023: 39.9%FY 2024: 7.7%FY 2025: 7.8%
FY 2016 FY 2025
Operating Income 4.7%
FY 2016: 22.8%FY 2017: 46.6%FY 2018: 33.4%FY 2019: 44.0%FY 2020: -3.9%FY 2021: 15.8%FY 2022: 13.3%FY 2023: 51.9%FY 2024: -7.9%FY 2025: 4.7%
FY 2016 FY 2025
EPS (diluted) -26.9%
FY 2016: 22.5%FY 2017: -20.7%FY 2018: 172.5%FY 2019: -11.2%FY 2020: 52.7%FY 2021: -23.9%FY 2022: 132.5%FY 2023: 35.3%FY 2024: 2.3%FY 2025: -26.9%
FY 2016 FY 2025
Free Cash Flow 65.9%
FY 2016: 45.7%FY 2017: -52.5%FY 2018: 350.1%FY 2019: 13.9%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 2016 FY 2025

Financial Health

Current Ratio 0.2×
FY 2016: 8.3×FY 2017: 10.9×FY 2018: 5.7×FY 2019: 0.2×FY 2020: 0.4×FY 2021: 0.4×FY 2022: 0.5×FY 2023: 0.2×FY 2024: 0.2×FY 2025: 0.2×
FY 2016 5y median 0.2× FY 2025
Quick Ratio 0.2×
FY 2016: 8.3×FY 2017: 10.9×FY 2018: 5.7×FY 2019: 0.2×FY 2020: 0.4×FY 2021: 0.4×FY 2022: 1.0×FY 2023: 0.2×FY 2024: 0.2×FY 2025: 0.2×
FY 2016 5y median 0.2× FY 2025
Debt / Equity 0.2×
FY 2016: 0.0×FY 2017: 0.1×FY 2018: 0.0×FY 2019: 0.3×FY 2020: 0.1×FY 2021: 0.4×FY 2022: 0.0×FY 2023: 0.3×FY 2024: 0.3×FY 2025: 0.2×
FY 2016 5y median 0.3× FY 2025
Net Debt / EBITDA -7.8×
FY 2016: -3.5×FY 2017: -3.3×FY 2018: -1.6×FY 2019: -7.9×FY 2020: -18.1×FY 2021: -27.1×FY 2022: -18.9×FY 2023: -7.7×FY 2024: -9.1×FY 2025: -7.8×
FY 2016 5y median -9.1× FY 2025
Interest Coverage 1.0×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 0.0×FY 2019: 2.5×FY 2020: 4.2×FY 2021: 9.0×FY 2022: 4.1×FY 2023: 1.5×FY 2024: 0.9×FY 2025: 1.0×
FY 2016 5y median 1.5× FY 2025

Dividends

Dividend Yield 1.1%
FY 2016: 2.1%FY 2017: 1.1%FY 2018: 2.4%FY 2019: 2.7%FY 2020: 3.3%FY 2021: 3.5%FY 2022: 1.4%FY 2023: 1.1%FY 2024: 0.8%FY 2025: 1.1%
FY 2016 5y median 1.1% FY 2025
Payout Ratio 7.8%
FY 2016: 21.8%FY 2017: 20.8%FY 2018: 13.3%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 2016 5y median 8.0% FY 2025

Annual · latest fiscal year ends 2025-12-31