Financial Services
Citizens Bancshares Corp South Carolina(CITZ)
Live Price
Offline$43.50
+0.00% today
1Y Change
+41.00%
Window
Jun 26, 2025 → Jun 24, 2026
- Market Cap
- $90.00M
- Revenue Growth
- +42.8%
- EPS Growth
- +8.4%
- Dividend Yield
- 1.1%
Coverage: 254 bars · Jun 26, 2025 → Jun 24, 2026
Research Briefing
A compact read on the setup, peer context, quarterly changes, and recent earnings reaction.
Research Snapshot
Citizens Bancshares Corp South Carolina (CITZ) is a Financial Services stock with a market cap of $90.00M and listed on OTC. The stock last traded around $43.50 and up 41.0% across the available one-year price window (Jun 26, 2025 → Jun 24, 2026). Baseline metrics include revenue growth of +42.8%, EPS growth of +8.4%, a dividend yield of 1.1%. What stands out right now is revenue +42.8%, EPS +8.4%, free cash flow +65.9% with operating margin 22.1% and ROIC 8.3%. The dividend is present but secondary, with a yield around 1.1%. Valuation is more restrained than many high-expectation growth names at P/E 7.3 and price/sales 1.4. Stock Foundry combines CITZ price history, valuation, growth, dividend context, earnings, analyst forecasts, news, related Financial Services peers on this page.
Sector Context
How this name stacks up against nearby peers on first-pass metrics.
Revenue Growth
Above sector median
+42.8% vs +3.4% peer median
Operating Margin
Above sector median
+22.1% vs +4.7% peer median
What Changed This Quarter
Latest report context and the signals most likely to have changed the story.
The operating story is still moving forward
Revenue is running at +42.8% and EPS at +8.4%, with operating margin around 22.1%.
Shareholder return is still part of the story
The stock is still offering a dividend yield around 1.1%, which matters if the thesis depends on income as much as growth.
Benchmark Edge
CITZ vs SPY, QQQ, and Sector ETFs
Normalized return, excess return, max drawdown, and calendar-year wins against the benchmarks investors actually use.
CITZ
—
Normalized return
SPY
--
S&P 500
Excess Return
--
Relative to SPY
CITZ Max Drawdown
-4.99%
Trailing 1Y
SPY Max Drawdown
—
Trailing 1Y
Calendar-Year Returns
Uses the longest available daily history for CITZ and SPY.
Company Overview
Citizens Bancshares Corp South Carolina
OTC
Citizens Bancshares Corporation is a bank holding company that primarily focuses on providing a broad range of financial services through its subsidiary, Citizens Trust Bank. The company plays a crucial role in supporting financial activities for individuals, small businesses, and commercial clients, offering services such as personal and business banking, loans, and wealth management. Citizens Bancshares Corporation is particularly impactful in the communities it serves, striving to foster economic growth and financial inclusion. Its prominence is reflected in sectors that benefit from reliable banking relationships, such as local entrepreneurship and real estate. Citizens Bancshares Corporation contributes significantly to the banking landscape by maintaining a strong community-oriented approach and providing tailored financial solutions to meet the needs of its clients.
- Leadership
- Dr. C. Dorn Smith III, M.D.
- Street Address
- 124 East Main Street
- Mailing
- Olanta, SC, 29114
- Region
- Olanta, SC, United States
- Last Updated
- May 7, 2026
Key Fundamentals
Valuation, growth, profitability, and balance sheet signals.
Valuation
- P/E
- 7.3
- EV/EBITDA
- —
- Price/Sales
- 1.4
- Price/Book
- 0.8
Growth
- Revenue
- +42.8%
- EPS
- +8.4%
- Free Cash Flow
- +65.9%
Profitability
- Gross Margin
- 78.4%
- Operating Margin
- 22.1%
- Net Margin
- 17.9%
- ROE
- 11.8%
- ROIC
- 8.3%
Balance Sheet
- Debt/Equity
- 0.25
- Current Ratio
- 0.15
Earnings Reports
Latest News
Official Releases
Company announcements and filings-style updates.
Next Step
Keep the research moving
After the overview, the strongest next step is usually chart context or a tighter compare set.