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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 5/10

vs
industry
vs
history
Cash to Debt 199.80
CZBS's Cash to Debt is ranked higher than
87% of the 1353 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. CZBS: 199.80 )
CZBS' s 10-Year Cash to Debt Range
Min: 0.27   Max: No Debt
Current: 199.8

Equity to Asset 0.12
CZBS's Equity to Asset is ranked higher than
83% of the 1739 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. CZBS: 0.12 )
CZBS' s 10-Year Equity to Asset Range
Min: 0.06   Max: 0.13
Current: 0.12

0.06
0.13
Interest Coverage 1.33
CZBS's Interest Coverage is ranked higher than
69% of the 1607 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.27 vs. CZBS: 1.33 )
CZBS' s 10-Year Interest Coverage Range
Min: 0.17   Max: 1.33
Current: 1.33

0.17
1.33
F-Score: 5
Z-Score: 0.19
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 5/10

vs
industry
vs
history
Operating margin (%) 10.49
CZBS's Operating margin (%) is ranked higher than
54% of the 1765 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 28.49 vs. CZBS: 10.49 )
CZBS' s 10-Year Operating margin (%) Range
Min: -165.39   Max: 19.63
Current: 10.49

-165.39
19.63
Net-margin (%) 9.97
CZBS's Net-margin (%) is ranked higher than
56% of the 1772 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.32 vs. CZBS: 9.97 )
CZBS' s 10-Year Net-margin (%) Range
Min: 1.34   Max: 27.52
Current: 9.97

1.34
27.52
ROE (%) 3.59
CZBS's ROE (%) is ranked higher than
57% of the 1779 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.43 vs. CZBS: 3.59 )
CZBS' s 10-Year ROE (%) Range
Min: 0.57   Max: 12.34
Current: 3.59

0.57
12.34
ROA (%) 0.42
CZBS's ROA (%) is ranked higher than
61% of the 1779 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.78 vs. CZBS: 0.42 )
CZBS' s 10-Year ROA (%) Range
Min: 0.06   Max: 1.05
Current: 0.42

0.06
1.05
ROC (Joel Greenblatt) (%) 27.08
CZBS's ROC (Joel Greenblatt) (%) is ranked higher than
60% of the 1746 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 72.81 vs. CZBS: 27.08 )
CZBS' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -428.02   Max: 48.56
Current: 27.08

-428.02
48.56
Revenue Growth (%) -7.20
CZBS's Revenue Growth (%) is ranked higher than
59% of the 1528 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. CZBS: -7.20 )
CZBS' s 10-Year Revenue Growth (%) Range
Min: -7.2   Max: 44.7
Current: -7.2

-7.2
44.7
EBITDA Growth (%) 27.20
CZBS's EBITDA Growth (%) is ranked higher than
92% of the 1376 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.50 vs. CZBS: 27.20 )
CZBS' s 10-Year EBITDA Growth (%) Range
Min: -31.9   Max: 34.7
Current: 27.2

-31.9
34.7
EPS Growth (%) 50.40
CZBS's EPS Growth (%) is ranked higher than
95% of the 1375 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.80 vs. CZBS: 50.40 )
CZBS' s 10-Year EPS Growth (%) Range
Min: -72.7   Max: 151.1
Current: 50.4

-72.7
151.1
» CZBS's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q3 2013

CZBS Guru Trades in Q3 2013

Arnold Schneider 33,840 sh (unchged)
» More
Q4 2013

CZBS Guru Trades in Q4 2013

Arnold Schneider 33,840 sh (unchged)
» More
Q1 2014

CZBS Guru Trades in Q1 2014

Arnold Schneider 33,840 sh (unchged)
» More
Q2 2014

CZBS Guru Trades in Q2 2014

Arnold Schneider 33,840 sh (unchged)
» More
» Details

Insider Trades

Latest Guru Trades with CZBS

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)



No Insider Trades Found!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 12.70
CZBS's P/E(ttm) is ranked higher than
82% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.00 vs. CZBS: 12.70 )
CZBS' s 10-Year P/E(ttm) Range
Min: 3.38   Max: 280
Current: 12.7

3.38
280
P/B 0.60
CZBS's P/B is ranked higher than
94% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.16 vs. CZBS: 0.60 )
CZBS' s 10-Year P/B Range
Min: 0.16   Max: 1.13
Current: 0.6

0.16
1.13
P/S 1.10
CZBS's P/S is ranked higher than
96% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.10 vs. CZBS: 1.10 )
CZBS' s 10-Year P/S Range
Min: 0.27   Max: 1.38
Current: 1.1

0.27
1.38
PFCF 6.40
CZBS's PFCF is ranked higher than
90% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 227.00 vs. CZBS: 6.40 )
CZBS' s 10-Year PFCF Range
Min: 0.83   Max: 12.55
Current: 6.4

0.83
12.55
EV-to-EBIT -12.46
CZBS's EV-to-EBIT is ranked higher than
50% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.15 vs. CZBS: -12.46 )
CZBS' s 10-Year EV-to-EBIT Range
Min: 0.1   Max: 78.5
Current: -12.46

0.1
78.5
PEG 1.49
CZBS's PEG is ranked higher than
85% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. CZBS: 1.49 )
CZBS' s 10-Year PEG Range
Min: 0.26   Max: 3.54
Current: 1.49

0.26
3.54
Shiller P/E 27.00
CZBS's Shiller P/E is ranked higher than
77% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.31 vs. CZBS: 27.00 )
CZBS' s 10-Year Shiller P/E Range
Min: 2.27   Max: 33
Current: 27

2.27
33

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.90
CZBS's Dividend Yield is ranked lower than
84% of the 1494 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.39 vs. CZBS: 0.90 )
CZBS' s 10-Year Dividend Yield Range
Min: 0.9   Max: 14.07
Current: 0.9

0.9
14.07
Dividend Payout 0.12
CZBS's Dividend Payout is ranked higher than
94% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.47 vs. CZBS: 0.12 )
CZBS' s 10-Year Dividend Payout Range
Min: 0.42   Max: 1.58
Current: 0.12

0.42
1.58
Yield on cost (5-Year) 0.38
CZBS's Yield on cost (5-Year) is ranked lower than
91% of the 1504 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.70 vs. CZBS: 0.38 )
CZBS' s 10-Year Yield on cost (5-Year) Range
Min: 0.38   Max: 5.92
Current: 0.38

0.38
5.92
Share Buyback Rate -0.60
CZBS's Share Buyback Rate is ranked higher than
80% of the 1304 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. CZBS: -0.60 )
CZBS' s 10-Year Share Buyback Rate Range
Min: 2.2   Max: -18.7
Current: -0.6

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.55
CZBS's Price/Tangible Book is ranked higher than
95% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.34 vs. CZBS: 0.55 )
CZBS' s 10-Year Price/Tangible Book Range
Min: 0.16   Max: 1.12
Current: 0.55

0.16
1.12
Price/DCF (Projected) 0.24
CZBS's Price/DCF (Projected) is ranked higher than
94% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.08 vs. CZBS: 0.24 )
CZBS' s 10-Year Price/DCF (Projected) Range
Min: 0.09   Max: 0.58
Current: 0.24

0.09
0.58
Price/Median PS Value 1.19
CZBS's Price/Median PS Value is ranked higher than
68% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.14 vs. CZBS: 1.19 )
CZBS' s 10-Year Price/Median PS Value Range
Min: 0.31   Max: 3.61
Current: 1.19

0.31
3.61
Price/Peter Lynch Fair Value 0.77
CZBS's Price/Peter Lynch Fair Value is ranked higher than
93% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. CZBS: 0.77 )
CZBS' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.29   Max: 1.48
Current: 0.77

0.29
1.48
Price/Graham Number 0.47
CZBS's Price/Graham Number is ranked higher than
95% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.08 vs. CZBS: 0.47 )
CZBS' s 10-Year Price/Graham Number Range
Min: 0.2   Max: 1.12
Current: 0.47

0.2
1.12
Earnings Yield (Greenblatt) 4.70
CZBS's Earnings Yield (Greenblatt) is ranked higher than
61% of the 1616 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. CZBS: 4.70 )
CZBS' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.3   Max: 17020
Current: 4.7

1.3
17020
Forward Rate of Return (Yacktman) 36.54
CZBS's Forward Rate of Return (Yacktman) is ranked higher than
88% of the 1372 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.57 vs. CZBS: 36.54 )
CZBS' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -3.4   Max: 61.2
Current: 36.54

-3.4
61.2

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Citizens Bancshares Corporation was incorporated as a Georgia business Corporation in 1972 and became a bank holding company by acquiring all of the common stock of Citizens Trust Bank. The Bank, a state bank was organized in 1921 and is a member of the Federal Reserve System. The Bank's main service area consists of Fulton and DeKalb Counties, along with certain portions of Rockdale County; through its branch in Columbus, the Bank also serves Muscogee County, Georgia, and through its branches in Birmingham and Eutaw, it serves Jefferson and Greene Counties, Alabama. The main focus of the Bank is the small business and commercial/service firms in the area plus individuals and households who reside in or commute to the area. The Bank offers commercial and consumer deposit accounts, including non-interest bearing checking accounts, money market checking accounts, negotiable order of withdrawal accounts, individual retirement accounts, time certificates of deposit and regular savings accounts. The Bank pays competitive interest rates on time and savings deposits and has a service charge fee schedule competitive with other financial institutions in the Bank's market area, covering such matters as maintenance fees on checking accounts, per item processing fees on checking accounts, returned check charges and the like. The Bank engages in a full complement of lending activities, including consumer/installment loans, mortgage loans, home equity lines of credit, construction loans and commercial loans, with particular emphasis on small business loans. The Bank's consumer loans consist of installment loans to individuals for personal, family and household purposes, including loans for automobiles, home improvements and investments. This category of loans also includes loans secured by second mortgages on the residences of borrowers. Correspondent banking involves the provision of services by one bank to another bank that cannot provide that service for itself from an economic or practical standpoint. The Bank purchases correspondent services offered by larger banks, including check collections, security safekeeping, investment services, wire transfer services, coin and currency supplies, over line and liquidity loan participation, and sales of loans to or participation with correspondent banks. The Bank competes for both deposit and loan customers with other financial institutions. Currently, there are numerous branches of national, regional and local banks, as well as other types of entities offering financial services, located in the Bank's market area. Both the Company and the Bank are subject to state and federal banking regulations that impose restrictions on and provide for general regulatory oversight of its operations.

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