Citizens Bancshares Corporation (CZBS)

Citizens Bancshares Ratios and Metrics

Market cap in millions USD. Fiscal year is January - December.

Fiscal Year	Current	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Mar 9, 2026	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Market Capitalization	85	92	74	54	20	21
Market Cap Growth	-7.39%	24.67%	35.95%	166.98%	-2.33%	-12.75%
Last Close Price	47.30	50.11	37.42	25.85	9.18	8.77
PE Ratio	7.77	7.94	6.14	5.90	5.19	3.99
PS Ratio	2.36	2.55	2.05	1.80	0.99	0.92
PB Ratio	0.46	0.50	0.42	0.32	0.27	0.40
P/FCF Ratio	5.74	6.21	4.43	5.94	2.33	3.37
P/OCF Ratio	5.62	6.07	4.34	5.81	2.27	2.95
Debt / Equity Ratio	0.01	0.01	0.01	0.03	0.03	0.07
Debt / FCF Ratio	0.08	0.08	0.09	0.53	0.25	0.59
Net Debt / Equity Ratio	-0.48	-0.48	-0.80	-1.48	-3.48	-3.71
Net Debt / FCF Ratio	-6.01	-6.01	-8.48	-27.93	-30.01	-31.19
Return on Equity (ROE)	7.09%	7.09%	7.04%	7.62%	6.38%	10.58%
Return on Assets (ROA)	1.67%	1.67%	1.58%	1.28%	0.65%	1.05%
Earnings Yield	13.62%	13.98%	16.64%	17.36%	19.95%	25.04%
FCF Yield	17.41%	16.11%	22.57%	16.84%	43.00%	29.64%
Dividend Yield	2.06%	2.00%	2.00%	1.93%	4.36%	3.99%
Payout Ratio	23.74%	23.73%	14.34%	12.98%	23.00%	13.27%
Buyback Yield / Dilution	9.27%	5.66%	3.34%	-0.88%	1.38%	8.66%
Total Shareholder Return	11.34%	7.66%	5.34%	1.05%	5.74%	12.65%

Updated Mar 31, 2017. Source: S&P Global Market Intelligence. Banks template. Financial Sources.