Financial Services
Citizens Bancshares Corp.(CZBS)
Live Price
Offline$53.59
+0.00% today
1Y Change
+18.69%
Window
Jun 25, 2025 โ Jun 22, 2026
- Market Cap
- $90.00M
- Revenue Growth
- +7.8%
- EPS Growth
- -27.0%
- Dividend Yield
- 2.4%
Coverage: 248 bars ยท Jun 25, 2025 โ Jun 22, 2026
Research Briefing
A compact read on the setup, peer context, quarterly changes, and recent earnings reaction.
Research Snapshot
Citizens Bancshares Corp. (CZBS) is a Financial Services stock with a market cap of $90.00M and listed on OTC. The stock last traded around $53.59 and up 18.7% across the available one-year price window (Jun 25, 2025 โ Jun 22, 2026). Baseline metrics include revenue growth of +7.8%, EPS growth of -27.0%, a dividend yield of 2.4%. What stands out right now is revenue +7.8%, EPS -27.0%, free cash flow +65.9% with operating margin 22.1% and ROIC 8.3%. The dividend is present but secondary, with a yield around 2.4%. Valuation is more restrained than many high-expectation growth names at P/E 8.1 and price/sales 1.5. Overall, the current profile looks closer to a turnaround or cyclical reset than a generic broad-market placeholder. Stock Foundry combines CZBS 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
+7.8% 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.
Latest report is on the board
2024 was reported on Nov 11, 2024, but the surprise data is still limited.
The operating picture looks softer than before
Revenue is at +7.8% and EPS is at -27.0%, with operating margin around 22.1%.
Shareholder return is still part of the story
The stock is still offering a dividend yield around 2.4%, which matters if the thesis depends on income as much as growth.
Earnings Reaction Memory
How the stock has tended to move after recent reports.
Across the last 3 reported quarters, the stock averaged -0.3% over the next 5 trading days and finished higher after 0 of those reports.
View quarter-by-quarter reaction table
| Quarter | EPS ฮ | 1D | 5D | 20D |
|---|---|---|---|---|
2024 Nov 11, 2024 | โ | +1.3% | -0.3% | +2.0% |
2024 Aug 19, 2024 | โ | +1.3% | -0.3% | +2.0% |
2016 Dec 31, 2016 | โ | +1.3% | -0.3% | +2.0% |
Benchmark Edge
CZBS vs SPY, QQQ, and Sector ETFs
Normalized return, excess return, max drawdown, and calendar-year wins against the benchmarks investors actually use.
CZBS
โ
Normalized return
SPY
--
S&P 500
Excess Return
--
Relative to SPY
CZBS Max Drawdown
-16.47%
Trailing 1Y
SPY Max Drawdown
โ
Trailing 1Y
Calendar-Year Returns
Uses the longest available daily history for CZBS and SPY.
Company Overview
Citizens Bancshares Corp.
OTC
Citizens Bancshares Corp. operates as a financial holding company, providing a comprehensive range of banking services through its subsidiary, Citizens Trust Bank. Its primary function is to offer community banking services that cater to individuals, small businesses, and commercial clients. The services include personal and commercial loans, deposit accounts, and mortgage products, aimed at fostering economic growth within the communities it serves. The banking services also extend to wealth management and financial planning solutions, offering investment advisory and trust services. Headquartered in Atlanta, Georgia, Citizens Bancshares Corp. is a significant participant in the local economy, supporting regional development. With a rich history dating back to its founding in 1921, the corporation plays a crucial role in enhancing financial accessibility and stability in its market area, while also advocating for minority community empowerment and inclusive financial practices.
- Leadership
- Ms. Cynthia N. Day CPA
- Street Address
- 230 Peachtree Street, NW, Suite 2700
- Mailing
- Atlanta, GA, 30303
- Region
- Atlanta, GA, United States
- Last Updated
- May 11, 2026
Key Fundamentals
Valuation, growth, profitability, and balance sheet signals.
Valuation
- P/E
- 8.1
- EV/EBITDA
- โ
- Price/Sales
- 1.5
- Price/Book
- 0.9
Growth
- Revenue
- +7.8%
- EPS
- -27.0%
- 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.