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Citizens Bancshares(OTC) CZBS

Market Cap$108.20MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (1999)+1,272%
5 Year+563%
1 Year+39%
1 Month+11%
$62.00
-0.89%
-0.55Today
Citizens Bancshares last closing stock price
MetricPriceDate
Last closeUSD 62.002026-08-14
Citizens Bancshares stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week-3.13%USD 64.002026-08-07
1 month+11.01%USD 55.852026-07-15
3 month+23.38%USD 50.252026-05-15
Year to date+41.62%USD 43.782025-12-31
1 year+39.29%USD 44.512025-08-14
3 year+65.62%USD 37.432023-08-15
5 year+562.59%USD 9.362021-08-13
Since inception+1,272.46%USD 4.521999-04-26

Citizens Bancshares Financials at a Glance

Market Cap

$108.20MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$13.07M

Net Income (TTM)

-$7.62M

EPS (TTM)

$0.00

P/E Ratio

0.00

Dividend

$1.20

Beta (Volatility)

0.21 (Low)

Price

$62.00

Volume

5,249

Open

$62.31

Previous Close

$62.00

Daily Range

$62.00 - $62.31

52-Week Range

$39.01 - $66.90

Estimated Earnings Date

Jun 1, 2025

CZBS News

No articles available.

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About Citizens Bancshares

Citizens Bancshares Corporation operates as the parent company for Citizens Trust Bank, providing a wide range of commercial banking solutions to individual and business clients. Established in 1921 and headquartered in Atlanta, Georgia, the company emphasizes community banking with a focus on personalized service.

Products and Services
  • Checking and savings accounts for personal and business clients
  • Diverse lending options including commercial, agricultural, and personal loans
  • Digital banking services and merchant solutions for businesses
Growth Outlook
  • Recent expansion into digital banking enhances customer accessibility
  • Strategic focus on community engagement supports local economic growth
  • Investment in technology aims to streamline operations and improve service
Financial Highlights
  • Recent quarterly revenue of $3.13 million, showing potential for growth
  • Trailing twelve months (TTM) net profit margin of 17.92%, indicating operational efficiency
  • Dividend yield of 2.13%, reflecting commitment to shareholder returns
Citizens Bancshares Corporation stands out in the regional banking sector with its commitment to community-focused banking and a diverse range of financial products. The recent quarterly revenue indicates a positive trajectory, while the TTM net profit margin showcases the company's ability to manage costs effectively. The dividend yield further emphasizes the company's dedication to providing value to its shareholders. With ongoing investments in technology and a focus on community engagement, Citizens Bancshares Corporation is well-positioned for future growth.
AI Generated • Jul 21, 2026

Industry

Banks

Sector

Financials

CEO

Cynthia N. Day, CPA

Website

www.ctbconnect.com

Headquarters

Atlanta, GA 30303, US

CZBS Financials

Key Financial Metrics (TTM)

Gross Margin

78.45%

Operating Margin

22.06%

Net Income Margin

17.92%

Return on Equity

11.85%

Return on Capital

10.76%

Return on Assets

0.99%

Earnings Yield

N/A

Dividend Yield

1.94%

Payout Ratio

7.78%

Stock Overview

Market Cap

$108.20MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

1.75M

Volume

5.25K

Avg. Volume

2.37K

Financials (TTM)

Gross Profit

$16.50M

Operating Income

-$7.53M

EBITDA

-$3.57M

Operating Cash Flow

$3.91M

Capital Expenditure

-$906.22K

Free Cash Flow

$3.01M

Cash & ST Invst.

$161.56M

Total Debt

$1.18M

Citizens Bancshares Performance Analysis

Citizens Bancshares annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 28,907,76036.5%
20232023-12-31USD 40,760,64541.0%
20242024-12-31USD 44,675,6859.6%
20252025-12-31USD 44,146,598-1.2%
Citizens Bancshares sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32016-09-301.0%
Q42016-12-311.5%
Q32024-09-30N/A
Q42024-12-31193.3%
Citizens Bancshares annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD 4.51132.6%
20232023-12-31USD 6.1035.1%
20242024-12-31USD 6.242.3%
20252025-12-31USD 4.56-26.9%
Citizens Bancshares sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32016-09-30-29.0%
Q42016-12-31-4.5%
Q32024-09-30N/A
Q42024-12-3174.7%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q4 2024YOY CHG

Revenue

$3.13M

-28.1%

Gross Profit

$2.97M

-32.0%

Gross Margin

94.82%

N/A

Market Cap

$108.20MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$1.12M

N/A

Employees

97

N/A

Net Income

-$1.72M

-330.1%

EBITDA

-$1.72M

-238.3%

Quarterly Fundamentals

Name
Q4 2024YOY CHG

Total Cash

$161.56M

+217.9%

Total Debt

$1.18M

-77.5%

Accounts Receivable

$3.70M

N/A

Inventory

$0.00

N/A

Long Term Debt

$771.86K

-85.2%

Short Term Debt

$405.19K

N/A

Return on Assets

0.99%

N/A

Return on Invested Capital

10.17%

N/A

Free Cash Flow

$2.49M

+1813.1%

Operating Cash Flow

$2.55M

+1463.7%

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Questions About CZBS

What is the current price of Citizens Bancshares?

Citizens Bancshares is trading at $62.00 per share.

What is the 52-week range for Citizens Bancshares?

Over the past 52 weeks, Citizens Bancshares has traded between $39.01 and $66.90.

How much debt does Citizens Bancshares have?

As of the most recent reporting period, Citizens Bancshares reported total debt of $1.18M.

How much cash does Citizens Bancshares have on hand?

Citizens Bancshares does not have cash on hand data available.

What is Citizens Bancshares’s dividend yield?

Citizens Bancshares currently has a dividend yield of 1.94%.

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