CITZ (Citizens Bancshares) Net Loan: $620.58 Mil (As of Dec. 2025)

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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 Net Loan?

Citizens Bancshares CITZ 73 Net Loan is $620.58 Mil as of Dec. 2025. GuruFocus rates CITZ with a GF Score™ of 73/100 and a GF Value™ of $52.02 (Modestly Undervalued). The stock has 6 warning signs investors should review.

Citizens Bancshares's quarterly net loan increased from Dec. 2023 ($538.16 Mil) to Dec. 2024 ($569.54 Mil) and increased from Dec. 2024 ($569.54 Mil) to Dec. 2025 ($620.58 Mil).

Citizens Bancshares's annual net loan increased from Dec. 2023 ($538.16 Mil) to Dec. 2024 ($569.54 Mil) and increased from Dec. 2024 ($569.54 Mil) to Dec. 2025 ($620.58 Mil).

Citizens Bancshares Net Loan Historical Data

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

Citizens Bancshares Annual Data
Trend Dec13 Dec14 Dec15 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Loan
Get a 7-Day Free Trial Premium Member Only Premium Member Only 377.54 511.78 538.16 569.54 620.58

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
Net Loan 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 377.54 511.78 538.16 569.54 620.58
CITZ
73GF Score
Citizens Bancshares Corp CITZ
Net Loan is just one metric. See GF Score™, valuation, warning signs, and more.
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Citizens Bancshares Net Loan Calculation

Total loans on banks' book. These are the fund that banks have lent out. The loans contribute to banks' income. Some borrower of the loans may stop paying their payment. In this case, the loan is called non-performing loans.

Loans can be divided into residential loans, commercial loans or consumer loans. Peter Lynch loved

Frequently Asked Questions Learn more about Net Loan →
What does a Net Loan of $620.58 Mil mean?
Citizens Bancshares (CITZ) has a Net Loan of $620.58 Mil as of Dec. 2025. The total net loans as recorded on a bank's balance sheet. View historical data on Citizens Bancshares and its competitors.
Is Citizens Bancshares' Net Loan too high?
Citizens Bancshares' current Net Loan is $620.58 Mil. Overall, Citizens Bancshares has a GF Score™ of 73/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Citizens Bancshares' Net Loan compare to MGYR and JDVB?
Citizens Bancshares' Net Loan of $620.58 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 Net Loan for a Banks company?
A good Net Loan depends on the Banks industry context. However, Net 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 Net Loan mean?
A high Net Loan can signal that a stock is expensive relative to its fundamentals. The total net loans as recorded on a bank's balance sheet. View historical data on Citizens Bancshares and its competitors. Citizens Bancshares's current Net Loan is $620.58 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 Modestly Undervalued. The stock's GF Value™ is $52.02, compared to a current price of $44.00 — trading 15.4% below its estimated fair value. The current Net Loan is $620.58 Mil. Citizens Bancshares' overall GF Score™ is 73/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Loan calculated?
Net Loan is calculated from a company's financial statements. For Citizens Bancshares (CITZ), the current Net Loan is $620.58 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 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:

  • Net Loan: $620.58 Mil
  • 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

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

$44.00
Price
$52.02
GF Value