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EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, Citizens Bancshares's Enterprise Value is $-28.70 Mil.
Citizens Bancshares's Cash Flow from Operations for the trailing twelve months (TTM) ended in Dec. 2025 was $15.39 Mil. Therefore, Citizens Bancshares's EV-to-OCF for today is -1.86.
The historical rank and industry rank for Citizens Bancshares's EV-to-OCF or its related term are showing as below:
CITZ'
s EV-to-OCF Range Over the Past 10 Years
Min: -29.75 Med: -2.9 Max: 6.24
Current: 0.32
During the past 13 years, the highest EV-to-OCF of Citizens Bancshares was 6.24. The lowest was -29.75. And the median was -2.90.
CITZ's EV-to-OCF is ranked better than 68.22% of 1485
companies
in the Banks industry
Industry Median: 4.04
vs CITZ: 0.32
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Citizens Bancshares's PE Ratio (TTM) for today is calculated as:
Citizens Bancshares's share price for today is $48.05.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Citizens Bancshares's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was $5.450.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Citizens Bancshares EV-to-OCF Related Terms
Citizens Bancshares EV-to-OCF Historical Data
* Premium members only.
The historical data trend for Citizens Bancshares's EV-to-OCF 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.
For the Banks - Regional subindustry, Citizens Bancshares's EV-to-OCF, along with its competitors' market caps and EV-to-OCF data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Citizens Bancshares EV-to-OCF vs Banks Industry
For the Banks industry and Financial Services sector, Citizens Bancshares's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where Citizens Bancshares's EV-to-OCF falls into.
Citizens Bancshares's current Enterprise Value is $-28.70 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Citizens Bancshares's Cash Flow from Operations for the trailing twelve months (TTM) ended in Dec. 2025 was $15.39 Mil.
* 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 (CITZ) has a EV-to-OCF of -1.86 as of Sep. 12, 2026. According to the industry distribution chart, Citizens Bancshares ranks #472 out of 1485 companies in the Banks industry, placing it in the top 31.8%.
Is Citizens Bancshares' EV-to-OCF too high?
Citizens Bancshares' current EV-to-OCF is -1.86. Based on the distribution chart, Citizens Bancshares ranks #472 out of 1485 companies in the Banks industry, which is above the industry midpoint. 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' EV-to-OCF compare to MGYR and HARL?
According to the Banks industry distribution chart, Citizens Bancshares ranks #472 out of 1485 companies for EV-to-OCF. This puts Citizens Bancshares in the upper half of its industry. The industry median EV-to-OCF is 4.04. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-OCF for a Banks company?
The median EV-to-OCF among Banks companies is 4.04, based on 1,485 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF 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 EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median EV-to-OCF is 4.04 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Citizens Bancshares's current EV-to-OCF is -1.86. 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 EV-to-OCF is -1.86. 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 EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For Citizens Bancshares (CITZ), the current EV-to-OCF is -1.86 as of Sep. 12, 2026. 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:
EV-to-OCF: -1.86
GF Value™: $41.46 vs. price of $48.05 (15.9% above fair value)
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 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
Get the complete analysis for CITZ
EV-to-OCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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