CITZ (Citizens Bancshares) Gross Loan: $0.00 Mil (As of Dec. 2025)

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CITZ Citizens Bancshares Corp CITZ
74 GF Score
Price $48.05
GF Value $41.46
Valuation Fairly Valued
! 6 Warning Signs
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What is Citizens Bancshares Gross Loan?

Citizens Bancshares CITZ 74 Gross Loan is $0.00 Mil as of Dec. 2025. GuruFocus rates CITZ with a GF Score™ of 74/100 and a GF Value™ of $41.46 (Fairly Valued). The stock has 6 warning signs investors should review.

Citizens Bancshares's Gross Loan for the quarter that ended in Dec. 2025 was $0.00 Mil.

Citizens Bancshares Gross Loan Related Terms

Citizens Bancshares Gross Loan Historical Data

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The historical data trend for Citizens Bancshares's Gross Loan 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 Gross Loan Chart

Citizens Bancshares Annual Data
Trend Dec13 Dec14 Dec15 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Gross Loan
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Citizens Bancshares Semi-Annual Data
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CITZ
74GF Score
Citizens Bancshares Corp CITZ
Gross Loan is just one metric. See GF Score™, valuation, warning signs, and more.
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Citizens Bancshares Gross Loan Calculation

Gross Loan represents the sum of all loans (commercial, consumer, mortgage, etc.) as well as leases before any provisions for loan losses or unearned discounts.

Frequently Asked Questions Learn more about Gross Loan →
What does a Gross Loan of $0.00 Mil mean?
Citizens Bancshares (CITZ) has a Gross Loan of $0.00 Mil as of Dec. 2025. Gross Loan is the sum of all loans as well as leases before any provisions for loan losses or unearned discounts. View historical data on Citizens Bancshares and its competitors.
Is Citizens Bancshares' Gross Loan too high?
Citizens Bancshares' current Gross Loan is $0.00 Mil. Overall, Citizens Bancshares has a GF Score™ of 74/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Citizens Bancshares' Gross Loan compare to MGYR and HARL?
Citizens Bancshares' Gross Loan of $0.00 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 Gross Loan for a Banks company?
A good Gross Loan depends on the Banks industry context. However, Gross Loan 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 Gross Loan mean?
A high Gross Loan can signal that a stock is expensive relative to its fundamentals. Gross Loan is the sum of all loans as well as leases before any provisions for loan losses or unearned discounts. View historical data on Citizens Bancshares and its competitors. Citizens Bancshares's current Gross Loan is $0.00 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 (CITZ) is currently considered Fairly Valued. The stock's GF Value™ is $41.46, compared to a current price of $48.05 — trading 15.9% above its estimated fair value. The current Gross Loan is $0.00 Mil. Citizens Bancshares' overall GF Score™ is 74/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Gross Loan calculated?
Gross Loan is calculated from a company's financial statements. For Citizens Bancshares (CITZ), the current Gross Loan is $0.00 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 (CITZ) Overvalued in 2026?

Based on GuruFocus' analysis, Citizens Bancshares stock appears to be overvalued. The current stock price of $48.05 is trading 15.9% above its estimated GF Value™ of $41.46. GuruFocus considers Citizens Bancshares to be Fairly Valued.

Key valuation signals for CITZ:

  • Gross Loan: $0.00 Mil
  • GF Value™: $41.46 vs. price of $48.05 (15.9% above fair value)
  • GF Score™: 74/100 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.
74GF Score

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

$48.05
Price
$41.46
GF Value