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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
65% of the 1592 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.23 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: 3.89 Max: N/A
Current: 7.38
Equity-to-Asset 0.13
CZBS's Equity-to-Asset is ranked higher than
76% of the 1591 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 1515 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
Beneish M-Score: -8.82
WACC vs ROIC
5.91%
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 : 3/10

vs
industry
vs
history
Operating Margin % 17.33
CZBS's Operating Margin % is ranked lower than
79% of the 1606 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.37 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
76% of the 1605 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.70 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
80% of the 1603 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.58 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
70% of the 1612 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 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
3-Year Revenue Growth Rate -7.40
CZBS's 3-Year Revenue Growth Rate is ranked lower than
87% of the 1354 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.20 vs. CZBS: -7.40 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
CZBS' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -7.4  Med: 2.3 Max: 44.6
Current: -7.4
-7.4
44.6
3-Year EBITDA Growth Rate 21.60
CZBS's 3-Year EBITDA Growth Rate is ranked higher than
82% of the 1256 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. CZBS: 21.60 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
CZBS' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -32.1  Med: -3 Max: 56.1
Current: 21.6
-32.1
56.1
3-Year EPS without NRI Growth Rate 41.60
CZBS's 3-Year EPS without NRI Growth Rate is ranked higher than
92% of the 1226 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. CZBS: 41.60 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
CZBS' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -65.6  Med: 1.4 Max: 230.2
Current: 41.6
-65.6
230.2
GuruFocus has detected 5 Warning Signs with Citizens Bancshares Corp $CZBS.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» 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%)

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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6022
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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

vs
industry
vs
history
PE Ratio 10.27
CZBS's PE Ratio is ranked higher than
67% of the 1510 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.59 vs. CZBS: 10.27 )
Ranked among companies with meaningful PE Ratio only.
CZBS' s PE Ratio Range Over the Past 10 Years
Min: 3.38  Med: 11.23 Max: 210
Current: 10.27
3.38
210
PE Ratio without NRI 10.27
CZBS's PE Ratio without NRI is ranked higher than
67% of the 1477 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.63 vs. CZBS: 10.27 )
Ranked among companies with meaningful PE Ratio without NRI only.
CZBS' s PE Ratio without NRI Range Over the Past 10 Years
Min: 3.38  Med: 11.23 Max: 210
Current: 10.27
3.38
210
Price-to-Owner-Earnings 19.32
CZBS's Price-to-Owner-Earnings is ranked lower than
76% of the 882 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.21 vs. CZBS: 19.32 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
CZBS' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 1.92  Med: 6.66 Max: 20.96
Current: 19.32
1.92
20.96
PB Ratio 0.50
CZBS's PB Ratio is ranked higher than
85% of the 1611 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. CZBS: 0.50 )
Ranked among companies with meaningful PB Ratio only.
CZBS' s PB Ratio Range Over the Past 10 Years
Min: 0.16  Med: 0.45 Max: 0.86
Current: 0.5
0.16
0.86
PS Ratio 1.28
CZBS's PS Ratio is ranked higher than
88% of the 1586 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.40 vs. CZBS: 1.28 )
Ranked among companies with meaningful PS Ratio only.
CZBS' s PS Ratio Range Over the Past 10 Years
Min: 0.27  Med: 0.91 Max: 1.39
Current: 1.28
0.27
1.39
Price-to-Free-Cash-Flow 31.93
CZBS's Price-to-Free-Cash-Flow is ranked lower than
90% of the 870 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.33 vs. CZBS: 31.93 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
CZBS' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 0.83  Med: 5.46 Max: 34.63
Current: 31.93
0.83
34.63
Price-to-Operating-Cash-Flow 13.62
CZBS's Price-to-Operating-Cash-Flow is ranked lower than
69% of the 940 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.82 vs. CZBS: 13.62 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
CZBS' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 0.8  Med: 4.87 Max: 130.68
Current: 13.62
0.8
130.68
EV-to-EBIT -0.29
CZBS's EV-to-EBIT is ranked lower than
99.99% of the 1668 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.52 vs. CZBS: -0.29 )
Ranked among companies with meaningful EV-to-EBIT only.
CZBS' s EV-to-EBIT Range Over the Past 10 Years
Min: -177.2  Med: 0.5 Max: 146
Current: -0.29
-177.2
146
EV-to-EBITDA -0.29
CZBS's EV-to-EBITDA is ranked lower than
99.99% of the 1685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.29 vs. CZBS: -0.29 )
Ranked among companies with meaningful EV-to-EBITDA only.
CZBS' s EV-to-EBITDA Range Over the Past 10 Years
Min: -22.8  Med: -3.5 Max: 13.7
Current: -0.29
-22.8
13.7
PEG Ratio 0.38
CZBS's PEG Ratio is ranked higher than
88% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.43 vs. CZBS: 0.38 )
Ranked among companies with meaningful PEG Ratio only.
CZBS' s PEG Ratio Range Over the Past 10 Years
Min: 0.23  Med: 0.4 Max: 4.12
Current: 0.38
0.23
4.12
Shiller PE Ratio 15.48
CZBS's Shiller PE Ratio is ranked higher than
66% of the 479 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.93 vs. CZBS: 15.48 )
Ranked among companies with meaningful Shiller PE Ratio only.
CZBS' s Shiller PE Ratio Range Over the Past 10 Years
Min: 2.07  Med: 7.6 Max: 16.8
Current: 15.48
2.07
16.8

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 0.85
CZBS's Dividend Yield % is ranked lower than
93% of the 2319 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.69 vs. CZBS: 0.85 )
Ranked among companies with meaningful Dividend Yield % only.
CZBS' s Dividend Yield % Range Over the Past 10 Years
Min: 0.78  Med: 1.48 Max: 14.07
Current: 0.85
0.78
14.07
Dividend Payout Ratio 0.09
CZBS's Dividend Payout Ratio is ranked higher than
95% of the 1315 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 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: 0.09  Med: 0.24 Max: 2.75
Current: 0.09
0.09
2.75
Forward Dividend Yield % 0.81
CZBS's Forward Dividend Yield % is ranked lower than
94% of the 2248 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.73 vs. CZBS: 0.81 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 1.00
CZBS's 5-Year Yield-on-Cost % is ranked lower than
92% of the 2649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.31 vs. CZBS: 1.00 )
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: 0.92  Med: 1.74 Max: 16.55
Current: 1
0.92
16.55
3-Year Average Share Buyback Ratio -4.20
CZBS's 3-Year Average Share Buyback Ratio is ranked lower than
61% of the 1042 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.80 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: -0.55 Max: 3.7
Current: -4.2
-20.4
3.7

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 0.50
CZBS's Price-to-Tangible-Book is ranked higher than
85% of the 1576 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.27 vs. CZBS: 0.50 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
CZBS' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.16  Med: 0.56 Max: 1.12
Current: 0.5
0.16
1.12
Price-to-Intrinsic-Value-Projected-FCF 0.24
CZBS's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
91% of the 869 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.78 vs. CZBS: 0.24 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
CZBS' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.09  Med: 0.2 Max: 0.62
Current: 0.24
0.09
0.62
Price-to-Median-PS-Value 1.41
CZBS's Price-to-Median-PS-Value is ranked lower than
80% of the 1462 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.14 vs. CZBS: 1.41 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
CZBS' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.32  Med: 0.98 Max: 3.69
Current: 1.41
0.32
3.69
Price-to-Peter-Lynch-Fair-Value 0.41
CZBS's Price-to-Peter-Lynch-Fair-Value is ranked higher than
91% of the 426 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. CZBS: 0.41 )
Ranked among companies with meaningful Price-to-Peter-Lynch-Fair-Value only.
CZBS' s Price-to-Peter-Lynch-Fair-Value Range Over the Past 10 Years
Min: 0.31  Med: 0.6 Max: 1.79
Current: 0.41
0.31
1.79
Price-to-Graham-Number 0.48
CZBS's Price-to-Graham-Number is ranked higher than
83% of the 1364 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.96 vs. CZBS: 0.48 )
Ranked among companies with meaningful Price-to-Graham-Number only.
CZBS' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.2  Med: 0.53 Max: 1.25
Current: 0.48
0.2
1.25
Earnings Yield (Greenblatt) % -308.56
CZBS's Earnings Yield (Greenblatt) % is ranked lower than
100% of the 2207 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.95 vs. CZBS: -308.56 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
CZBS' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: -9004.31  Med: 7.8 Max: 17020
Current: -308.56
-9004.31
17020
Forward Rate of Return (Yacktman) % 54.27
CZBS's Forward Rate of Return (Yacktman) % is ranked higher than
93% of the 890 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.45 vs. CZBS: 54.27 )
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: -2.5  Med: 35.7 Max: 69.4
Current: 54.27
-2.5
69.4

More Statistics

Revenue (TTM) (Mil) $16.47
EPS (TTM) $ 0.92
Beta0.25
Short Percentage of Float0.00%
52-Week Range $6.65 - 10.30
Shares Outstanding (Mil)2.08

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