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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 : 6/10

vs
industry
vs
history
Cash to Debt 7.38
CZBS's Cash to Debt is ranked higher than
67% of the 1639 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.98 vs. CZBS: 7.38 )
Ranked among companies with meaningful Cash to Debt only.
CZBS' s Cash to Debt Range Over the Past 10 Years
Min: 0.27  Med: 3.62 Max: N/A
Current: 7.38
Equity to Asset 0.13
CZBS's Equity to Asset is ranked higher than
76% of the 1660 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. CZBS: 0.13 )
Ranked among companies with meaningful Equity to Asset only.
CZBS' s Equity to Asset Range Over the Past 10 Years
Min: 0.06  Med: 0.1 Max: 0.13
Current: 0.13
0.06
0.13
Interest Coverage 4.25
CZBS's Interest Coverage is ranked higher than
76% of the 1590 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. CZBS: 4.25 )
Ranked among companies with meaningful Interest Coverage only.
CZBS' s Interest Coverage Range Over the Past 10 Years
Min: 0.17  Med: 0.51 Max: 4.25
Current: 4.25
0.17
4.25
F-Score: 4
M-Score: -8.88
WACC vs ROIC
6.82%
19.90%
WACC
ROIC
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 : 4/10

vs
industry
vs
history
Operating margin (%) 17.33
CZBS's Operating margin (%) is ranked lower than
78% of the 1678 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.78 vs. CZBS: 17.33 )
Ranked among companies with meaningful Operating margin (%) only.
CZBS' s Operating margin (%) Range Over the Past 10 Years
Min: -4.06  Med: 6.27 Max: 19.63
Current: 17.33
-4.06
19.63
Net-margin (%) 13.83
CZBS's Net-margin (%) is ranked lower than
75% of the 1677 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.15 vs. CZBS: 13.83 )
Ranked among companies with meaningful Net-margin (%) only.
CZBS' s Net-margin (%) Range Over the Past 10 Years
Min: 1.34  Med: 6.6 Max: 15.68
Current: 13.83
1.34
15.68
ROE (%) 3.95
CZBS's ROE (%) is ranked lower than
79% of the 1675 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.39 vs. CZBS: 3.95 )
Ranked among companies with meaningful ROE (%) only.
CZBS' s ROE (%) Range Over the Past 10 Years
Min: 0.07  Med: 2.7 Max: 10.46
Current: 3.95
0.07
10.46
ROA (%) 0.57
CZBS's ROA (%) is ranked lower than
69% of the 1683 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.89 vs. CZBS: 0.57 )
Ranked among companies with meaningful ROA (%) only.
CZBS' s ROA (%) Range Over the Past 10 Years
Min: 0.07  Med: 0.32 Max: 0.9
Current: 0.57
0.07
0.9
Revenue Growth (3Y)(%) -7.40
CZBS's Revenue Growth (3Y)(%) is ranked lower than
85% of the 1371 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.10 vs. CZBS: -7.40 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
CZBS' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -7.4  Med: 2.1 Max: 44.6
Current: -7.4
-7.4
44.6
EBITDA Growth (3Y)(%) 21.60
CZBS's EBITDA Growth (3Y)(%) is ranked higher than
82% of the 1253 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.80 vs. CZBS: 21.60 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
CZBS' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -32.1  Med: 0.7 Max: 56.1
Current: 21.6
-32.1
56.1
EPS Growth (3Y)(%) 41.60
CZBS's EPS Growth (3Y)(%) is ranked higher than
91% of the 1231 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.30 vs. CZBS: 41.60 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
CZBS' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -65.6  Med: 7.3 Max: 230.2
Current: 41.6
-65.6
230.2
» CZBS's 10-Y Financials

Financials


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

» Details

Guru Trades

Q4 2015

CZBS Guru Trades in Q4 2015

Arnold Schneider 31,870 sh (unchged)
» More
Q1 2016

CZBS Guru Trades in Q1 2016

Arnold Schneider 31,870 sh (unchged)
» More
Q2 2016

CZBS Guru Trades in Q2 2016

Arnold Schneider 31,870 sh (unchged)
» More
Q3 2016

CZBS Guru Trades in Q3 2016

Arnold Schneider Sold Out
» 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%)

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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6022
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Citizens Bancshares Corp, through its wholly owned subsidiary, Citizens Trust Bank, provides commercial banking services to individual and corporate customers in its main market areas.

Citizens Bancshares Corp was incorporated as a Georgia business Corporation in 1972. Citizens Trust Bank, or the Bank. The Company was organized to facilitate the Bank's ability to serve its customers' requirements for financial services. The Bank's 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 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.

Ratios

vs
industry
vs
history
P/E(ttm) 9.40
CZBS's P/E(ttm) is ranked higher than
78% of the 1557 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.95 vs. CZBS: 9.40 )
Ranked among companies with meaningful P/E(ttm) only.
CZBS' s P/E(ttm) Range Over the Past 10 Years
Min: 3.38  Med: 11.23 Max: 210
Current: 9.4
3.38
210
PE(NRI) 9.40
CZBS's PE(NRI) is ranked higher than
78% of the 1539 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.98 vs. CZBS: 9.40 )
Ranked among companies with meaningful PE(NRI) only.
CZBS' s PE(NRI) Range Over the Past 10 Years
Min: 3.38  Med: 11.23 Max: 210
Current: 9.4
3.38
210
Price/Owner Earnings (ttm) 17.70
CZBS's Price/Owner Earnings (ttm) is ranked lower than
56% of the 883 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.78 vs. CZBS: 17.70 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
CZBS' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 2.31  Med: 6.9 Max: 17.7
Current: 17.7
2.31
17.7
P/B 0.45
CZBS's P/B is ranked higher than
90% of the 1662 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.12 vs. CZBS: 0.45 )
Ranked among companies with meaningful P/B only.
CZBS' s P/B Range Over the Past 10 Years
Min: 0.16  Med: 0.42 Max: 0.87
Current: 0.45
0.16
0.87
P/S 1.18
CZBS's P/S is ranked higher than
91% of the 1645 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.21 vs. CZBS: 1.18 )
Ranked among companies with meaningful P/S only.
CZBS' s P/S Range Over the Past 10 Years
Min: 0.27  Med: 0.91 Max: 1.32
Current: 1.18
0.27
1.32
PFCF 29.12
CZBS's PFCF is ranked lower than
84% of the 826 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.19 vs. CZBS: 29.12 )
Ranked among companies with meaningful PFCF only.
CZBS' s PFCF Range Over the Past 10 Years
Min: 0.86  Med: 4.76 Max: 29.12
Current: 29.12
0.86
29.12
POCF 12.46
CZBS's POCF is ranked lower than
53% of the 925 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.51 vs. CZBS: 12.46 )
Ranked among companies with meaningful POCF only.
CZBS' s POCF Range Over the Past 10 Years
Min: 0.81  Med: 4.59 Max: 127.78
Current: 12.46
0.81
127.78
PEG 0.30
CZBS's PEG is ranked higher than
91% of the 752 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.28 vs. CZBS: 0.30 )
Ranked among companies with meaningful PEG only.
CZBS' s PEG Range Over the Past 10 Years
Min: 0.28  Med: 0.54 Max: 6.79
Current: 0.3
0.28
6.79
Shiller P/E 14.15
CZBS's Shiller P/E is ranked higher than
81% of the 502 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.35 vs. CZBS: 14.15 )
Ranked among companies with meaningful Shiller P/E only.
CZBS' s Shiller P/E Range Over the Past 10 Years
Min: 2.17  Med: 6.92 Max: 14.64
Current: 14.15
2.17
14.64

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.92
CZBS's Dividend Yield is ranked lower than
88% of the 2376 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.79 vs. CZBS: 0.92 )
Ranked among companies with meaningful Dividend Yield only.
CZBS' s Dividend Yield Range Over the Past 10 Years
Min: 0.78  Med: 1.52 Max: 14.07
Current: 0.92
0.78
14.07
Dividend Payout 0.09
CZBS's Dividend Payout is ranked higher than
94% of the 1294 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. CZBS: 0.09 )
Ranked among companies with meaningful Dividend Payout only.
CZBS' s Dividend Payout Range Over the Past 10 Years
Min: 0.09  Med: 0.56 Max: 1.58
Current: 0.09
0.09
1.58
Forward Dividend Yield 0.93
CZBS's Forward Dividend Yield is ranked lower than
92% of the 2299 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.98 vs. CZBS: 0.93 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 1.08
CZBS's Yield on cost (5-Year) is ranked lower than
89% of the 2629 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.56 vs. CZBS: 1.08 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
CZBS' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 0.92  Med: 1.79 Max: 16.55
Current: 1.08
0.92
16.55
3-Year Average Share Buyback Ratio -4.20
CZBS's 3-Year Average Share Buyback Ratio is ranked lower than
59% of the 1061 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.00 vs. CZBS: -4.20 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
CZBS' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -20.4  Med: -0.3 Max: 3.7
Current: -4.2
-20.4
3.7

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.46
CZBS's Price/Tangible Book is ranked higher than
90% of the 1660 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. CZBS: 0.46 )
Ranked among companies with meaningful Price/Tangible Book only.
CZBS' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.16  Med: 0.56 Max: 1.12
Current: 0.46
0.16
1.12
Price/Projected FCF 0.22
CZBS's Price/Projected FCF is ranked higher than
95% of the 872 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.74 vs. CZBS: 0.22 )
Ranked among companies with meaningful Price/Projected FCF only.
CZBS' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.09  Med: 0.2 Max: 0.62
Current: 0.22
0.09
0.62
Price/Median PS Value 1.29
CZBS's Price/Median PS Value is ranked lower than
57% of the 1450 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. CZBS: 1.29 )
Ranked among companies with meaningful Price/Median PS Value only.
CZBS' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.32  Med: 0.98 Max: 3.69
Current: 1.29
0.32
3.69
Price/Peter Lynch Fair Value 0.42
CZBS's Price/Peter Lynch Fair Value is ranked higher than
94% of the 381 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.09 vs. CZBS: 0.42 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
CZBS' s Price/Peter Lynch Fair Value Range Over the Past 10 Years
Min: 0.31  Med: 0.6 Max: 1.48
Current: 0.42
0.31
1.48
Price/Graham Number 0.44
CZBS's Price/Graham Number is ranked higher than
91% of the 1404 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.92 vs. CZBS: 0.44 )
Ranked among companies with meaningful Price/Graham Number only.
CZBS' s Price/Graham Number Range Over the Past 10 Years
Min: 0.2  Med: 0.53 Max: 1.25
Current: 0.44
0.2
1.25
Earnings Yield (Greenblatt) (%) -82.07
CZBS's Earnings Yield (Greenblatt) (%) is ranked lower than
96% of the 1663 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.80 vs. CZBS: -82.07 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
CZBS' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: -82.07  Med: 6.8 Max: 11092
Current: -82.07
-82.07
11092
Forward Rate of Return (Yacktman) (%) 49.17
CZBS's Forward Rate of Return (Yacktman) (%) is ranked higher than
92% of the 886 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.59 vs. CZBS: 49.17 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
CZBS' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -2.9  Med: 34.45 Max: 67.1
Current: 49.17
-2.9
67.1

More Statistics

Revenue (TTM) (Mil) $16.47
EPS (TTM) $ 0.92
Beta0.23
Short Percentage of Float0.00%
52-Week Range $6.45 - 9.00
Shares Outstanding (Mil)2.08
» More Articles for CZBS

Headlines

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