Citizens Bancshares Corporation (CZBS)

OTCMKTS · Delayed Price · Currency is USD

65.00

+0.39 (0.60%)

Sep 4, 2026, 4:00 PM EST

Citizens Bancshares Financials Overview

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Revenue	34.16	34.16	36.09	36.05	30.17	20.6
Revenue Growth	65.83%	-5.37%	0.14%	19.47%	46.47%	-8.74%
Net Income	8.38	8.38	11.61	12.02	9.21	3.92
Earnings Per Share	4.56	4.56	6.24	6.10	4.51	1.94
EPS Growth	135.05%	-26.92%	2.30%	35.25%	132.47%	-23.92%

Cash & Debt

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Investments	103.04	103.04	90.35	142.96	260.45	264.91
Total Debt	0.79	0.79	1.18	1.54	4.88	2.19
Net Cash (Debt)	102.25	102.25	89.18	141.42	255.58	262.71
Net Cash Growth	-61.08%	14.66%	-36.94%	-44.67%	-2.72%	36.37%
Net Cash Per Share	55.64	55.64	47.96	71.75	125.34	129.98

Cash Flow & CapEx

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Operating Cash Flow	11.55	11.55	15.17	17.04	9.35	8.97
Capital Expenditures	-0.05	-0.05	-0.33	-0.37	-0.2	-0.22
Free Cash Flow	11.5	11.5	14.84	16.67	9.15	8.75
Free Cash Flow Growth	31.42%	-22.48%	-11.00%	82.22%	4.54%	41.70%

Margins

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Profit Margin	24.55%	24.55%	32.16%	33.36%	30.51%	19.05%
FCF Margin	33.68%	33.68%	41.12%	46.26%	30.33%	42.49%

Dividends

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 8, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Dividend Per Share	1.100	1.100	1.000	0.750	0.500	0.400
Dividend Per Share Growth	9.09%	10.00%	33.33%	50.00%	25.00%	14.29%
Dividend Yield	1.73%	2.51%	2.05%	2.05%	1.98%	4.47%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 8, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
PE Ratio	14.25	9.41	7.94	6.14	5.90	5.19
P/FCF Ratio	9.86	6.86	6.21	4.43	5.94	2.33
PS Ratio	3.32	2.31	2.55	2.05	1.80	0.99