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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

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Interest Coverage 4.25
CZBS's Interest Coverage is ranked lower than
99.99% of the 1539 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.74 vs. CZBS: 4.25 )
Ranked among companies with meaningful Interest Coverage only.
CZBS' s Interest Coverage Range Over the Past 10 Years
Min: 0  Med: 0 Max: 4.25
Current: 4.25
0
4.25
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 : 3/10

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» CZBS's 30-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

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
Q4 2016

CZBS Guru Trades in Q4 2016

Arnold Schneider 31,870 sh (New)
» More
Q1 2017

CZBS Guru Trades in Q1 2017

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%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Arnold Schneider 2017-03-31 Sold Out 0.05%$8.6 - $10.25 $ 9.874%0
Arnold Schneider 2016-12-31 New Buy0.05%$6.94 - $9.41 $ 9.8724%31,870
Arnold Schneider 2016-09-30 Sold Out 0.04%$6.75 - $7.74 $ 9.8737%0
Premium More recent guru trades are included for Premium Members only!!
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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6022
Compare:OTCPK:MNBO, OTCPK:FCNH, OTCPK:SSNF, OTCPK:MWBC, OTCPK:HRGG, OTCPK:CFDB, OTCPK:FRSB, OTCPK:QNTO, OTCPK:CIBH, OTCPK:CZID, NAS:WCFB, OTCPK:NUBK, OTCPK:FBPA, OTCPK:ALBY, OTCPK:OJCB, OTCPK:CYSM, NAS:FSBC, NAS:GLBZ, OTCPK:FFNM, OTCPK:WEIN » details
Headquarter Location:USA
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

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Dividend & Buy Back

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Dividend Yield % 0.81
CZBS's Dividend Yield % is ranked lower than
91% of the 2354 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.88 vs. CZBS: 0.81 )
Ranked among companies with meaningful Dividend Yield % only.
CZBS' s Dividend Yield % Range Over the Past 10 Years
Min: 0  Med: 0 Max: 0.84
Current: 0.81
0
0.84
Dividend Payout Ratio 0.09
CZBS's Dividend Payout Ratio is ranked higher than
95% of the 1340 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.32 vs. CZBS: 0.09 )
Ranked among companies with meaningful Dividend Payout Ratio only.
CZBS' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0  Med: 0 Max: 0.09
Current: 0.09
0
0.09
Forward Dividend Yield % 0.81
CZBS's Forward Dividend Yield % is ranked lower than
93% of the 2231 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.85 vs. CZBS: 0.81 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 0.81
CZBS's 5-Year Yield-on-Cost % is ranked lower than
89% of the 2778 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.98 vs. CZBS: 0.81 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
CZBS' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0  Med: 0 Max: 0.84
Current: 0.81
0
0.84

Valuation & Return

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More Statistics

Revenue (TTM) (Mil) $16.47
EPS (TTM) $ 0.92
Beta0.18
Short Percentage of Float0.00%
52-Week Range $6.94 - 10.70
Shares Outstanding (Mil)2.08

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