CITZ Stock Overview

Operates as the bank holding company for The Citizens Bank that provides community banking services and financial products. More details

CITZ fundamental analysis
Snowflake Score
Valuation	0/6
Future Growth	0/6
Past Performance	0/6
Financial Health	0/6
Dividends	0/6

Risk Analysis

Shares are highly illiquid

Has not reported any financial data

Does not have a meaningful market cap ($72M)

My Notes

Capture your thoughts, links and company narrative

Citizens Bancshares Corporation Competitors

Delhi Bank

OTCPK:DWNX

US$70.5m

Pinnacle Bankshares

OTCPK:PPBN

US$70.9m

Community Heritage Financial

OTCPK:CMHF

US$72.3m

River Valley Community Bancorp

OTCPK:RVCB

US$74.6m

Price History & Performance

Summary of share price highs, lows and changes for Citizens Bancshares
Historical stock prices
Current Share Price	US$30.00
52 Week High	US$32.75
52 Week Low	US$28.12
Beta	0
1 Month Change	2.56%
3 Month Change	-1.64%
1 Year Change	n/a
3 Year Change	n/a
5 Year Change	28.76%
Change since IPO	20.00%

Recent News & Updates

No updates

Recent updates

No updates

Shareholder Returns

	CITZ	US Banks	US Market
7D	1.6%	-0.3%	-0.5%
1Y	n/a	42.4%	21.1%

Return vs Industry: Insufficient data to determine how CITZ performed against the US Banks industry.

Return vs Market: Insufficient data to determine how CITZ performed against the US Market.

Price Volatility

Is CITZ's price volatile compared to industry and market?
CITZ volatility
CITZ Average Weekly Movement	n/a
Banks Industry Average Movement	3.8%
Market Average Movement	5.9%
10% most volatile stocks in US Market	18.2%
10% least volatile stocks in US Market	3.0%

Stable Share Price: CITZ's share price has been volatile over the past 3 months compared to the US market.

Volatility Over Time: Insufficient data to determine CITZ's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
1988	n/a	C. Smith	www.thecitizensbank.cc

Citizens Bancshares Corporation operates as the bank holding company for The Citizens Bank that provides community banking services and financial products. It offers checking and savings accounts, money market accounts, certificates of deposit, individual retirement accounts, debit and credit cards, personal and business loans, mortgages, cash management, mobile banking, and merchant services. The company was incorporated in 1988 and is headquartered in Olanta, South Carolina.

Citizens Bancshares Corporation Fundamentals Summary

How do Citizens Bancshares's earnings and revenue compare to its market cap?
CITZ fundamental statistics
Market cap	US$71.76m
Earnings (TTM)	US$0
Revenue (TTM)	n/a

n/a

P/E Ratio

n/a

P/S Ratio

Is CITZ overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
CITZ income statement (TTM)
Revenue	US$0
Cost of Revenue	US$0
Gross Profit	US$0
Other Expenses	US$0
Earnings	US$0

Last Reported Earnings

n/a

Next Earnings Date

n/a

Earnings per share (EPS)	0
Gross Margin	0.00%
Net Profit Margin	0.00%
Debt/Equity Ratio	0.0%

How did CITZ perform over the long term?

See historical performance and comparison

Dividends

1.4%

Current Dividend Yield

n/a

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/02/13 17:15
End of Day Share Price	2025/02/11 00:00
Earnings	N/A
Annual Earnings	N/A

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

Citizens Bancshares Corporation is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.