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Citizens Bancshares Corporation (CITZ)
OTCMKTS · Delayed Price · Currency is USD
46.20
+2.20 (5.00%)
At close: Jul 30, 2026

Citizens Bancshares Financials Overview

Millions USD. Fiscal year is Jan - Dec.

Revenue & Profits
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023
Period EndingDec '25 Dec '25 Dec '24 Dec '23
Revenue
46.8346.8342.8843.16
Revenue Growth
-9.22%-0.64%-
Net Income
11.0211.0210.2611.17
Earnings Per Share
5.455.455.035.47
EPS Growth
-8.35%-8.04%-

Cash & Debt
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023
Period EndingDec '25 Dec '25 Dec '24 Dec '23
Cash & Investments
147.48147.48161.56148.79
Total Debt
28.3528.3527.528.17
Net Cash (Debt)
119.14119.14134.07120.62
Net Cash Growth
--11.14%11.15%-
Net Cash Per Share
58.9158.9165.8059.11

Cash Flow & CapEx
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023
Period EndingDec '25 Dec '25 Dec '24 Dec '23
Operating Cash Flow
15.3915.3910.5612.27
Capital Expenditures
-0.86-0.86-1.83-0.34
Free Cash Flow
14.5414.548.7311.93
Free Cash Flow Growth
-66.48%-26.81%-

Margins
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023
Period EndingDec '25 Dec '25 Dec '24 Dec '23
Profit Margin
23.54%23.54%23.92%25.87%
FCF Margin
31.04%31.04%20.36%27.65%

Dividends
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023
Period EndingAug '26 Dec '25 Dec '24 Dec '23
Dividend Per Share
0.4400.4400.4200.400
Dividend Per Share Growth
4.76%4.76%5.00%-
Dividend Yield
0.95%1.05%1.45%1.47%

Valuation
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023
Period EndingAug '26 Dec '25 Dec '24 Dec '23
PE Ratio
8.487.446.825.99
P/FCF Ratio
6.205.648.015.60
PS Ratio
1.921.751.631.55