Citizens Bancshares Ratios and Metrics

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2025	FY 2024	FY 2023
Period Ending	Apr '26 Apr 20, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023
Market Capitalization	80	82	70	67
Market Cap Growth	-	17.14%	4.64%	-
Last Close Price	41.00	42.00	28.96	27.30
PE Ratio	7.52	7.44	6.82	5.99
PS Ratio	1.71	1.75	1.63	1.55
PB Ratio	0.79	0.81	0.82	0.87
P/FCF Ratio	5.50	5.64	8.01	5.60
P/OCF Ratio	5.20	5.33	6.63	5.45
Debt / Equity Ratio	0.28	0.28	0.32	0.37
Debt / FCF Ratio	1.95	1.95	3.15	2.36
Net Debt / Equity Ratio	-1.18	-1.18	-1.58	-1.56
Net Debt / FCF Ratio	-8.19	-8.19	-15.35	-10.11
Return on Equity (ROE)	11.85%	11.85%	12.65%	-
Return on Assets (ROA)	1.03%	1.03%	1.03%	-
Earnings Yield	13.78%	13.45%	14.66%	16.70%
FCF Yield	18.17%	17.74%	12.48%	17.84%
Dividend Yield	1.07%	1.05%	1.45%	1.47%
Payout Ratio	7.78%	7.78%	8.00%	7.07%
Buyback Yield / Dilution	-	0.75%	0.14%	-
Total Shareholder Return	1.07%	1.80%	1.59%	1.47%

Source: S&P Capital IQ. Banks template. Financial Sources.