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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 240.05
CZBS's Cash to Debt is ranked higher than
69% of the 973 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.46 vs. CZBS: 240.05 )
Ranked among companies with meaningful Cash to Debt only.
CZBS' s 10-Year Cash to Debt Range
Min: 0.27   Max: N/A
Current: 240.05

Equity to Asset 0.13
CZBS's Equity to Asset is ranked higher than
76% of the 1283 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 10-Year Equity to Asset Range
Min: 0.06   Max: 0.13
Current: 0.13

0.06
0.13
Interest Coverage 2.33
CZBS's Interest Coverage is ranked higher than
60% of the 1196 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.68 vs. CZBS: 2.33 )
Ranked among companies with meaningful Interest Coverage only.
CZBS' s 10-Year Interest Coverage Range
Min: 0.17   Max: 2.33
Current: 2.33

0.17
2.33
F-Score: 5
Z-Score: 0.20
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 (%) 11.57
CZBS's Operating margin (%) is ranked lower than
84% of the 1347 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.16 vs. CZBS: 11.57 )
Ranked among companies with meaningful Operating margin (%) only.
CZBS' s 10-Year Operating margin (%) Range
Min: -165.39   Max: 19.63
Current: 11.57

-165.39
19.63
Net-margin (%) 10.72
CZBS's Net-margin (%) is ranked lower than
80% of the 1347 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.21 vs. CZBS: 10.72 )
Ranked among companies with meaningful Net-margin (%) only.
CZBS' s 10-Year Net-margin (%) Range
Min: 1.34   Max: 15.68
Current: 10.72

1.34
15.68
ROE (%) 3.72
CZBS's ROE (%) is ranked lower than
80% of the 1344 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.17 vs. CZBS: 3.72 )
Ranked among companies with meaningful ROE (%) only.
CZBS' s 10-Year ROE (%) Range
Min: 0.57   Max: 12.34
Current: 3.72

0.57
12.34
ROA (%) 0.45
CZBS's ROA (%) is ranked lower than
72% of the 1351 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.81 vs. CZBS: 0.45 )
Ranked among companies with meaningful ROA (%) only.
CZBS' s 10-Year ROA (%) Range
Min: 0.06   Max: 1.05
Current: 0.45

0.06
1.05
ROC (Joel Greenblatt) (%) 30.87
CZBS's ROC (Joel Greenblatt) (%) is ranked lower than
74% of the 1333 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 75.43 vs. CZBS: 30.87 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
CZBS' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -442.35   Max: 48.56
Current: 30.87

-442.35
48.56
Revenue Growth (3Y)(%) -6.10
CZBS's Revenue Growth (3Y)(%) is ranked lower than
79% of the 1133 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.70 vs. CZBS: -6.10 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
CZBS' s 10-Year Revenue Growth (3Y)(%) Range
Min: -7.2   Max: 44.7
Current: -6.1

-7.2
44.7
EBITDA Growth (3Y)(%) 55.50
CZBS's EBITDA Growth (3Y)(%) is ranked higher than
96% of the 986 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. CZBS: 55.50 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
CZBS' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0   Max: 55.5
Current: 55.5

0
55.5
EPS Growth (3Y)(%) 316.00
CZBS's EPS Growth (3Y)(%) is ranked higher than
100% of the 1002 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.10 vs. CZBS: 316.00 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
CZBS' s 10-Year EPS Growth (3Y)(%) Range
Min: -72.7   Max: 316
Current: 316

-72.7
316
» CZBS's 10-Y Financials

Financials


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

» Details

Guru Trades

Q2 2014

CZBS Guru Trades in Q2 2014

Arnold Schneider 33,840 sh (unchged)
» More
Q3 2014

CZBS Guru Trades in Q3 2014

Arnold Schneider 33,840 sh (unchged)
» More
Q4 2014

CZBS Guru Trades in Q4 2014

Arnold Schneider 33,840 sh (unchged)
» More
Q1 2015

CZBS Guru Trades in Q1 2015

Arnold Schneider 32,790 sh (-3.10%)
» 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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Ratios

vs
industry
vs
history
P/E(ttm) 12.40
CZBS's P/E(ttm) is ranked higher than
62% of the 1418 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.10 vs. CZBS: 12.40 )
Ranked among companies with meaningful P/E(ttm) only.
CZBS' s 10-Year P/E(ttm) Range
Min: 3.38   Max: 280
Current: 12.4

3.38
280
PE(NRI) 12.30
CZBS's PE(NRI) is ranked higher than
62% of the 1209 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.10 vs. CZBS: 12.30 )
Ranked among companies with meaningful PE(NRI) only.
CZBS' s 10-Year PE(NRI) Range
Min: 3.38   Max: 210
Current: 12.3

3.38
210
P/B 0.60
CZBS's P/B is ranked higher than
86% of the 1629 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. CZBS: 0.60 )
Ranked among companies with meaningful P/B only.
CZBS' s 10-Year P/B Range
Min: 0.16   Max: 1.13
Current: 0.6

0.16
1.13
P/S 1.16
CZBS's P/S is ranked higher than
89% of the 2101 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.90 vs. CZBS: 1.16 )
Ranked among companies with meaningful P/S only.
CZBS' s 10-Year P/S Range
Min: 0.27   Max: 1.38
Current: 1.16

0.27
1.38
PFCF 5.80
CZBS's PFCF is ranked higher than
66% of the 1116 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.70 vs. CZBS: 5.80 )
Ranked among companies with meaningful PFCF only.
CZBS' s 10-Year PFCF Range
Min: 0.86   Max: 12.55
Current: 5.8

0.86
12.55
POCF 5.12
CZBS's POCF is ranked higher than
68% of the 960 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.38 vs. CZBS: 5.12 )
Ranked among companies with meaningful POCF only.
CZBS' s 10-Year POCF Range
Min: 0.82   Max: 143.75
Current: 5.12

0.82
143.75
PEG 0.84
CZBS's PEG is ranked higher than
62% of the 513 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.11 vs. CZBS: 0.84 )
Ranked among companies with meaningful PEG only.
CZBS' s 10-Year PEG Range
Min: 0.29   Max: 2.05
Current: 0.84

0.29
2.05
Shiller P/E 26.20
CZBS's Shiller P/E is ranked lower than
78% of the 1028 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.00 vs. CZBS: 26.20 )
Ranked among companies with meaningful Shiller P/E only.
CZBS' s 10-Year Shiller P/E Range
Min: 2.27   Max: 33
Current: 26.2

2.27
33

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.89
CZBS's Dividend Yield is ranked lower than
93% of the 2096 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.60 vs. CZBS: 0.89 )
Ranked among companies with meaningful Dividend Yield only.
CZBS' s 10-Year Dividend Yield Range
Min: 0.78   Max: 14.07
Current: 0.89

0.78
14.07
Dividend Payout 0.11
CZBS's Dividend Payout is ranked higher than
91% of the 1297 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.32 vs. CZBS: 0.11 )
Ranked among companies with meaningful Dividend Payout only.
CZBS' s 10-Year Dividend Payout Range
Min: 0.42   Max: 1.58
Current: 0.11

0.42
1.58
Dividend growth (3y) 13.30
CZBS's Dividend growth (3y) is ranked higher than
65% of the 622 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. CZBS: 13.30 )
Ranked among companies with meaningful Dividend growth (3y) only.
CZBS' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 13.3
Current: 13.3

0
13.3
Yield on cost (5-Year) 0.51
CZBS's Yield on cost (5-Year) is ranked lower than
99% of the 2101 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.00 vs. CZBS: 0.51 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
CZBS' s 10-Year Yield on cost (5-Year) Range
Min: 0.44   Max: 7.99
Current: 0.51

0.44
7.99
Share Buyback Rate -0.80
CZBS's Share Buyback Rate is ranked higher than
56% of the 917 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.40 vs. CZBS: -0.80 )
Ranked among companies with meaningful Share Buyback Rate only.
CZBS' s 10-Year Share Buyback Rate Range
Min: 2.2   Max: -18.7
Current: -0.8

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.60
CZBS's Price/Tangible Book is ranked higher than
88% of the 1632 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. CZBS: 0.60 )
Ranked among companies with meaningful Price/Tangible Book only.
CZBS' s 10-Year Price/Tangible Book Range
Min: 0.16   Max: 1.12
Current: 0.6

0.16
1.12
Price/DCF (Projected) 0.20
CZBS's Price/DCF (Projected) is ranked higher than
92% of the 954 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.70 vs. CZBS: 0.20 )
Ranked among companies with meaningful Price/DCF (Projected) only.
CZBS' s 10-Year Price/DCF (Projected) Range
Min: 0.08   Max: 0.55
Current: 0.2

0.08
0.55
Price/Median PS Value 1.20
CZBS's Price/Median PS Value is ranked lower than
57% of the 1605 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. CZBS: 1.20 )
Ranked among companies with meaningful Price/Median PS Value only.
CZBS' s 10-Year Price/Median PS Value Range
Min: 0.31   Max: 3.61
Current: 1.2

0.31
3.61
Price/Peter Lynch Fair Value 0.50
CZBS's Price/Peter Lynch Fair Value is ranked higher than
88% of the 467 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. CZBS: 0.50 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
CZBS' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.29   Max: 1.48
Current: 0.5

0.29
1.48
Price/Graham Number 0.50
CZBS's Price/Graham Number is ranked higher than
89% of the 1422 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. CZBS: 0.50 )
Ranked among companies with meaningful Price/Graham Number only.
CZBS' s 10-Year Price/Graham Number Range
Min: 0.2   Max: 0.94
Current: 0.5

0.2
0.94
Earnings Yield (Greenblatt) -6.80
CZBS's Earnings Yield (Greenblatt) is ranked lower than
94% of the 1502 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. CZBS: -6.80 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) only.
CZBS' s 10-Year Earnings Yield (Greenblatt) Range
Min: -7.1   Max: 17020
Current: -6.8

-7.1
17020
Forward Rate of Return (Yacktman) 56.62
CZBS's Forward Rate of Return (Yacktman) is ranked higher than
88% of the 761 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.69 vs. CZBS: 56.62 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) only.
CZBS' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -5.1   Max: 69.6
Current: 56.62

-5.1
69.6

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
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.
» More Articles for CZBS

Headlines

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