CITZ (Citizens Bancshares) Accounts Payable

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

CITZ Citizens Bancshares Corp CITZ
73 GF Score
Price $44.00
GF Value $52.02
Valuation Modestly Undervalued
! 6 Warning Signs
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What is Citizens Bancshares Accounts Payable?

Accounts Payable does not apply to banks and insurance companies.

CITZ
73GF Score
Citizens Bancshares Corp CITZ
Accounts Payable is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Is Citizens Bancshares (CITZ) Overvalued in 2026?

Based on GuruFocus' analysis, Citizens Bancshares stock appears to be undervalued. The current stock price of $44.00 is trading 15.4% below its estimated GF Value™ of $52.02. GuruFocus considers Citizens Bancshares to be Modestly Undervalued.

Key valuation signals for CITZ:

  • Accounts Payable:
  • GF Value™: $52.02 vs. price of $44.00 (15.4% below fair value)
  • GF Score™: 73/100 with 6 warning signs

No single metric tells the full story. See the CITZ stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Citizens Bancshares Business Description

Other Exchanges CZBS:USA
Address 230 Peachtree Street NW, Suite 2700, Atlanta, GA, USA, 30303
Citizens Bancshares Corp is a bank holding company. The principal business activity of the Bank is to provide banking services to domestic markets in the Midlands, Pee Dee, and Coastal areas of South Carolina. It offers a full line of personal and business banking services, including checking, savings, and money market accounts, along with mortgages, loans, and lines of credit.
73GF Score

Get the complete analysis for CITZ

Accounts Payable is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$44.00
Price
$52.02
GF Value