Citizens Bancshares Statistics

Total Valuation

CITZ has a market cap or net worth of 80.00 million.

Market Cap	80.00M
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 7.52.

PE Ratio	7.52
Forward PE	n/a
PS Ratio	1.71
PB Ratio	0.79
P/TBV Ratio	1.04
P/FCF Ratio	5.50
P/OCF Ratio	5.20
PEG Ratio	n/a

Financial Ratio History

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	1.95
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 11.85%.

Return on Equity (ROE)	11.85%
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)	2.88%
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 2.55 million in taxes.

Income Tax	2.55M
Effective Tax Rate	18.78%

Stock Price Statistics

The stock price has increased by +36.71% 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	+36.71%
50-Day Moving Average	34.01
200-Day Moving Average	n/a
Relative Strength Index (RSI)	72.31
Average Volume (20 Days)	711

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)	0.16

Income Statement

In the last 12 months, CITZ had revenue of 46.83 million and earned 11.02 million in profits. Earnings per share was 5.45.

Revenue	46.83M
Gross Profit	46.83M
Operating Income	14.53M
Pretax Income	13.57M
Net Income	11.02M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	5.45

Full Income Statement

Balance Sheet

The company has 147.48 million in cash and 28.35 million in debt, giving a net cash position of 119.14 million or 61.05 per share.

Cash & Cash Equivalents	147.48M
Total Debt	28.35M
Net Cash	119.14M
Net Cash Per Share	61.05
Equity (Book Value)	101.13M
Book Value Per Share	51.83
Working Capital	-827.13M

Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was 15.39 million and capital expenditures -855,000, giving a free cash flow of 14.54 million.

Operating Cash Flow	15.39M
Capital Expenditures	-855,000
Depreciation & Amortization	n/a
Net Borrowing	896,000
Free Cash Flow	14.54M
FCF Per Share	7.45

Full Cash Flow Statement

Margins

Gross Margin	n/a
Operating Margin	31.02%
Pretax Margin	28.98%
Profit Margin	23.54%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	31.04%

Dividends & Yields

This stock pays an annual dividend of 0.44, which amounts to a dividend yield of 1.07%.

Dividend Per Share	0.44
Dividend Yield	1.07%
Dividend Growth (YoY)	4.76%
Years of Dividend Growth	7
Payout Ratio	7.78%
Buyback Yield	n/a
Shareholder Yield	1.07%
Earnings Yield	13.78%
FCF Yield	18.17%

Dividend Details

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