CZBS (Citizens Bancshares) Beginning Cash Position: $153.06 Mil (As of Dec. 2025)

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.

CZBS Citizens Bancshares Corp CZBS
76 GF Score
Price $61.50
GF Value $55.58
Valuation Modestly Overvalued
! 6 Warning Signs
View Full Analysis

What is Citizens Bancshares Beginning Cash Position?

Citizens Bancshares CZBS +1.12% 76 Beginning Cash Position is $153.06 Mil as of Dec. 2025. GuruFocus rates CZBS with a GF Score™ of 76/100 and a GF Value™ of $55.58 (Modestly Overvalued). The stock has 6 warning signs investors should review.

Citizens Bancshares's Beginning Cash Position for the quarter that ended in Dec. 2025 was $153.06 Mil.

Citizens Bancshares's quarterly Beginning Cash Position declined from Dec. 2023 ($205.82 Mil) to Dec. 2024 ($139.54 Mil) but then increased from Dec. 2024 ($139.54 Mil) to Dec. 2025 ($153.06 Mil).

Citizens Bancshares's annual Beginning Cash Position declined from Dec. 2023 ($205.82 Mil) to Dec. 2024 ($139.54 Mil) but then increased from Dec. 2024 ($139.54 Mil) to Dec. 2025 ($153.06 Mil).

Citizens Bancshares Beginning Cash Position Related Terms

Citizens Bancshares Beginning Cash Position Historical Data

* Premium members only.

The historical data trend for Citizens Bancshares's Beginning Cash Position can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Citizens Bancshares Beginning Cash Position Chart

Citizens Bancshares Annual Data
Trend Dec13 Dec14 Dec15 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Beginning Cash Position
Get a 7-Day Free Trial Premium Member Only Premium Member Only 144.84 278.38 205.82 139.54 153.06

Citizens Bancshares Semi-Annual Data
Dec03 Dec04 Dec05 Dec06 Dec07 Dec08 Dec09 Dec10 Dec11 Dec12 Dec13 Dec14 Dec15 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Beginning Cash Position Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 144.84 278.38 205.82 139.54 153.06
CZBS
76GF Score
Citizens Bancshares Corp CZBS
Beginning Cash Position is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Citizens Bancshares Beginning Cash Position Calculation

Beginning Cash Position is the cash and equivalents balance at the beginning of the accounting period, as indicated on the Cash Flow statement.

What does a Beginning Cash Position of $153.06 Mil mean?
Citizens Bancshares (CZBS) has a Beginning Cash Position of $153.06 Mil as of Dec. 2025. Beginning Cash Position is the cash and equivalents balance at the beginning of the accounting period, as indicated on the Cash Flow statement. View historical data on Citizens Bancshares and its competitors.
Is Citizens Bancshares' Beginning Cash Position too high?
Citizens Bancshares' current Beginning Cash Position is $153.06 Mil. Overall, Citizens Bancshares has a GF Score™ of 76/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Citizens Bancshares' Beginning Cash Position compare to MGYR and JDVB?
Citizens Bancshares' Beginning Cash Position of $153.06 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Beginning Cash Position for a Banks company?
A good Beginning Cash Position depends on the Banks industry context. However, Beginning Cash Position should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Beginning Cash Position mean?
A high Beginning Cash Position can signal that a stock is expensive relative to its fundamentals. Beginning Cash Position is the cash and equivalents balance at the beginning of the accounting period, as indicated on the Cash Flow statement. View historical data on Citizens Bancshares and its competitors. Citizens Bancshares's current Beginning Cash Position is $153.06 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Citizens Bancshares stock overvalued right now?
Based on GuruFocus' analysis, Citizens Bancshares (CZBS) is currently considered Modestly Overvalued. The stock's GF Value™ is $55.58, compared to a current price of $61.50 — trading 10.7% above its estimated fair value. The current Beginning Cash Position is $153.06 Mil. Citizens Bancshares' overall GF Score™ is 76/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Beginning Cash Position calculated?
Beginning Cash Position is calculated from a company's financial statements. For Citizens Bancshares (CZBS), the current Beginning Cash Position is $153.06 Mil as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Citizens Bancshares (CZBS) Overvalued in 2026?

Based on GuruFocus' analysis, Citizens Bancshares stock appears to be overvalued. The current stock price of $61.50 is trading 10.7% above its estimated GF Value™ of $55.58. GuruFocus considers Citizens Bancshares to be Modestly Overvalued.

Key valuation signals for CZBS:

  • Beginning Cash Position: $153.06 Mil
  • GF Value™: $55.58 vs. price of $61.50 (10.7% above fair value)
  • GF Score™: 76/100 with 6 warning signs

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

Citizens Bancshares Business Description

Other Exchanges CITZ: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.
76GF Score

Get the complete analysis for CZBS

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

$61.50
Price
$55.58
GF Value