Citizens Bancshares logo

Citizens Bancshares(OTC) CZBS

Market Cap$113.61MMarket 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)+1,341%
5 Year+589%
1 Year+45%
1 Month+3%
$65.10
+0.15%
+0.10Today
Citizens Bancshares last closing stock price
MetricPriceDate
Last closeUSD 65.102026-10-01
Citizens Bancshares stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week-0.15%USD 65.202026-09-24
1 month+2.52%USD 63.502026-09-01
3 month+20.44%USD 54.052026-07-02
Year to date+48.7%USD 43.782025-12-31
1 year+45.08%USD 44.872025-10-01
3 year+88.51%USD 34.532023-10-02
5 year+589.26%USD 9.442021-10-01
Since inception+1,341.08%USD 4.521999-04-26

Citizens Bancshares Financials at a Glance

Market Cap

$113.61MMarket 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)

$20.72M

Net Income (TTM)

-$1.66M

EPS (TTM)

$0.00

P/E Ratio

0.00

Dividend

$1.20

Beta (Volatility)

0.21 (Low)

Price

$65.10

Volume

150

Open

$65.10

Previous Close

$65.10

Daily Range

$65.10 - $65.10

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, including money market deposits
  • Diverse lending options, including commercial and personal loans
  • Merchant solutions and digital banking services
Growth Outlook
  • Recent revenue of $12.05 million in Q1 2026 indicates strong performance
  • TTM net income margin of 17.92% reflects effective cost management
  • Consistent dividend yield of 1.83% showcases commitment to shareholder returns
Financial Highlights
  • Market capitalization of approximately $118 million demonstrates solid market presence
  • Trailing twelve months (TTM) P/E ratio of 13.88 suggests attractive valuation
  • Quarterly net income of $6.51 million in Q1 2026 highlights profitability
Citizens Bancshares Corporation stands out in the regional banking sector with its comprehensive suite of financial products and services. The company has shown resilience and growth potential, as evidenced by its recent quarterly performance and TTM financial metrics. The focus on community banking and personalized service positions Citizens Trust Bank favorably within its market. Investors may find the company's commitment to shareholder returns and effective cost management appealing as it navigates the evolving financial landscape.
AI Generated • Sep 20, 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

1.84%

Payout Ratio

7.78%

Stock Overview

Market Cap

$113.61MMarket 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

150

Avg. Volume

1.26K

Financials (TTM)

Gross Profit

$24.23M

Operating Income

-$1.74M

EBITDA

$1.93M

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
Q42016-12-311.5%
Q32024-09-30N/A
Q42024-12-31193.3%
Q12026-03-31N/A
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
Q42016-12-31-4.5%
Q32024-09-30N/A
Q42024-12-3174.7%
Q12026-03-31N/A

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q1 2026YOY CHG

Revenue

$12.05M

+173.6%

Gross Profit

$11.92M

+184.3%

Gross Margin

98.95%

N/A

Market Cap

$113.61MMarket 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

$1.17M

N/A

Employees

97

N/A

Net Income

$6.51M

+1089.9%

EBITDA

$6.51M

+544.5%

Quarterly Fundamentals

Name
Q1 2026YOY 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 $65.10 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 $0.00.

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 1.84%.

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