CZBS (Citizens Bancshares) EPS (Basic): $5.65 (TTM As of Dec. 2025)


CZBS Citizens Bancshares Corp CZBS
78 GF Score
Price $53.60
GF Value $55.04
Valuation Fairly Valued
! 3 Warning Signs
View Full Analysis

What is Citizens Bancshares EPS (Basic)?

Citizens Bancshares CZBS +0.94% 78 EPS (Basic) is $5.65 as of Dec. 2025. GuruFocus rates CZBS with a GF Score™ of 78/100 and a GF Value™ of $55.04 (Fairly Valued). The stock has 3 warning signs investors should review.

Citizens Bancshares's basic earnings per share (Basic EPS) for the six months ended in Dec. 2025 was $5.65. Its basic earnings per share (Basic EPS) for the trailing twelve months (TTM) ended in Dec. 2025 was $5.65.

Citizens Bancshares's EPS (Diluted) for the six months ended in Dec. 2025 was $5.45. Its EPS (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was $5.45.

Citizens Bancshares's EPS without NRI for the six months ended in Dec. 2025 was $5.59. Its EPS without NRIearnings per share without non-recurring items for the trailing twelve months (TTM) ended in Dec. 2025 was 5.59.

During the past 12 months, Citizens Bancshares's average EPS without NRIGrowth Rate was 11.10% per year. During the past 3 years, the average EPS without NRI Growth Rate was 6.70% per year. During the past 5 years, the average EPS without NRI Growth Rate was 13.70% per year. During the past 10 years, the average EPS without NRI Growth Rate was 37.10% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the EPS without NRI Growth Rate using EPS without NRI data.

During the past 13 years, Citizens Bancshares's highest 3-Year average EPS without NRI Growth Rate was 242.00% per year. The lowest was -66.50% per year. And the median was 18.30% per year.

Citizens Bancshares  (OTCPK:CZBS) EPS (Basic) Explanation

EPS is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists EPS without NRI, which better reflects the company's underlying performance.

Be Aware

Compared with Earnings per share, a company's cash flow is better indicator of the company's earnings power.

If a company's earnings per share is less than cash flow per share over long term, investors need to be cautious and find out why.

Citizens Bancshares EPS (Basic) Related Terms

Citizens Bancshares EPS (Basic) Historical Data

* Premium members only.

The historical data trend for Citizens Bancshares's EPS (Basic) 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 EPS (Basic) Chart

Citizens Bancshares Annual Data
Trend Dec13 Dec14 Dec15 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
EPS (Basic)
Get a 7-Day Free Trial Premium Member Only Premium Member Only 3.31 3.74 5.67 5.21 5.65

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
EPS (Basic) 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 3.31 3.74 5.67 5.21 5.65
CZBS
78GF Score
Citizens Bancshares Corp CZBS
EPS (Basic) is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Citizens Bancshares EPS (Basic) Calculation

EPS (Basic) is a rough measurement of the amount of a company's profit that can be allocated to one share of its stock. Basic earnings per share (EPS) do not factor in the dilutive effects on convertible securities.

Citizens Bancshares's Basic EPS for the fiscal year that ended in Dec. 2025 is calculated as

Basic EPS (A: Dec. 2025 )=(Net Income-Preferred Dividends)/Shares Outstanding (Basic Average)
=(11.022-0)/1.951
=5.65

Citizens Bancshares's Basic EPS for the quarter that ended in Dec. 2025 is calculated as

Basic EPS (Q: Dec. 2025 )=(Net Income-Preferred Dividends)/Shares Outstanding (Basic Average)
=(11.022-0)/1.951
=5.65

For stock reported annually, GuruFocus uses latest annual data as the TTM data. EPS (Basic) for the trailing twelve months (TTM) ended in Dec. 2025 was $5.65

* 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.

Frequently Asked Questions Learn more about EPS (Basic) →
What does a EPS (Basic) of $5.65 mean?
Citizens Bancshares (CZBS) has a EPS (Basic) of $5.65 as of Dec. 2025. Earnings per share (basic) equals net income divided by the standard, non-diluted average shares outstanding. View historical data on Citizens Bancshares and its competitors.
Is Citizens Bancshares' EPS (Basic) too high?
Citizens Bancshares' current EPS (Basic) is $5.65. Overall, Citizens Bancshares has a GF Score™ of 78/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Citizens Bancshares' EPS (Basic) compare to CMHF and UBOH?
Citizens Bancshares' EPS (Basic) of $5.65 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 EPS (Basic) for a Banks company?
A good EPS (Basic) depends on the Banks industry context. However, EPS (Basic) 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 EPS (Basic) mean?
A high EPS (Basic) can signal that a stock is expensive relative to its fundamentals. Earnings per share (basic) equals net income divided by the standard, non-diluted average shares outstanding. View historical data on Citizens Bancshares and its competitors. Citizens Bancshares's current EPS (Basic) is $5.65. 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 Fairly Valued. The stock's GF Value™ is $55.04, compared to a current price of $53.60 — trading 2.6% below its estimated fair value. The current EPS (Basic) is $5.65. Citizens Bancshares' overall GF Score™ is 78/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EPS (Basic) calculated?
EPS (Basic) is calculated from a company's financial statements. For Citizens Bancshares (CZBS), the current EPS (Basic) is $5.65 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 undervalued. The current stock price of $53.60 is trading 2.6% below its estimated GF Value™ of $55.04. GuruFocus considers Citizens Bancshares to be Fairly Valued.

Key valuation signals for CZBS:

  • EPS (Basic): $5.65
  • GF Value™: $55.04 vs. price of $53.60 (2.6% below fair value)
  • GF Score™: 78/100 with 3 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.
78GF Score

Get the complete analysis for CZBS

EPS (Basic) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$53.60
Price
$55.04
GF Value