Citizens Bancshares Statistics
Total Valuation
CITZ has a market cap or net worth of 79.01 million.
| Market Cap | 79.01M |
| Enterprise Value | n/a |
Important Dates
| Earnings Date | n/a |
| Ex-Dividend Date | Nov 14, 2025 |
Share Statistics
CITZ has 1.95 million shares outstanding.
| Current Share Class | 1.95M |
| Shares Outstanding | 1.95M |
| Shares Change (YoY) | n/a |
| Shares Change (QoQ) | n/a |
| Owned by Insiders (%) | n/a |
| Owned by Institutions (%) | n/a |
| Float | n/a |
Valuation Ratios
The trailing PE ratio is 8.05.
| PE Ratio | 8.05 |
| Forward PE | n/a |
| PS Ratio | 1.84 |
| PB Ratio | 0.93 |
| P/TBV Ratio | 1.28 |
| P/FCF Ratio | 9.02 |
| P/OCF Ratio | 7.46 |
| PEG Ratio | n/a |
Enterprise Valuation
| EV / Earnings | n/a |
| EV / Sales | n/a |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | n/a |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | n/a |
| Debt / EBITDA | n/a |
| Debt / FCF | 3.14 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 12.65%.
| Return on Equity (ROE) | 12.65% |
| Return on Assets (ROA) | 1.03% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Weighted Average Cost of Capital (WACC) | 2.89% |
| Revenue Per Employee | n/a |
| Profits Per Employee | n/a |
| Employee Count | n/a |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, CITZ has paid 2.70 million in taxes.
| Income Tax | 2.70M |
| Effective Tax Rate | 20.85% |
Stock Price Statistics
The stock price has increased by +31.08% in the last 52 weeks. The beta is -0.06, so CITZ's price volatility has been lower than the market average.
| Beta (5Y) | -0.06 |
| 52-Week Price Change | +31.08% |
| 50-Day Moving Average | 33.78 |
| 200-Day Moving Average | n/a |
| Relative Strength Index (RSI) | 70.41 |
| Average Volume (20 Days) | 701 |
Short Selling Information
| Short Interest | n/a |
| Short Previous Month | n/a |
| Short % of Shares Out | n/a |
| Short % of Float | n/a |
| Short Ratio (days to cover) | 0.15 |
Income Statement
In the last 12 months, CITZ had revenue of 42.88 million and earned 10.26 million in profits. Earnings per share was 5.03.
| Revenue | 42.88M |
| Gross Profit | 42.88M |
| Operating Income | 13.76M |
| Pretax Income | 12.96M |
| Net Income | 10.26M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | 5.03 |
Balance Sheet
The company has 389.65 million in cash and 27.50 million in debt, with a net cash position of 362.15 million or 185.59 per share.
| Cash & Cash Equivalents | 389.65M |
| Total Debt | 27.50M |
| Net Cash | 362.15M |
| Net Cash Per Share | 185.59 |
| Equity (Book Value) | 84.92M |
| Book Value Per Share | 43.52 |
| Working Capital | -525.78M |
Cash Flow
In the last 12 months, operating cash flow was 10.59 million and capital expenditures -1.83 million, giving a free cash flow of 8.76 million.
| Operating Cash Flow | 10.59M |
| Capital Expenditures | -1.83M |
| Depreciation & Amortization | n/a |
| Net Borrowing | -914,000 |
| Free Cash Flow | 8.76M |
| FCF Per Share | 4.49 |
Margins
| Gross Margin | n/a |
| Operating Margin | 32.10% |
| Pretax Margin | 30.22% |
| Profit Margin | 23.92% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 20.44% |
Dividends & Yields
This stock pays an annual dividend of 0.42, which amounts to a dividend yield of 1.04%.
| Dividend Per Share | 0.42 |
| Dividend Yield | 1.04% |
| Dividend Growth (YoY) | 4.76% |
| Years of Dividend Growth | 7 |
| Payout Ratio | 8.00% |
| Buyback Yield | n/a |
| Shareholder Yield | 1.04% |
| Earnings Yield | 12.98% |
| FCF Yield | 11.09% |
Fair Value
There are several formulas that can be used to estimate the intrinsic value of a stock.
| Lynch Fair Value | n/a |
| Lynch Upside | n/a |
| Graham Number | |
| Graham Upside |
Stock Splits
This stock does not have any record of stock splits.
| Last Split Date | n/a |
| Split Type | n/a |
| Split Ratio | n/a |
Scores
| Altman Z-Score | n/a |
| Piotroski F-Score | 4 |