EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Citizens Bancshares's Enterprise Value is $-16.99 Mil.
Citizens Bancshares's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was $14.54 Mil. Therefore, Citizens Bancshares's EV-to-FCF for today is -1.17.
The historical rank and industry rank for Citizens Bancshares's EV-to-FCF or its related term are showing as below:
CZBS'
s EV-to-FCF Range Over the Past 10 Years
Min: -82.48 Med: -3.24 Max: 7.12
Current: -1.17
During the past 13 years, the highest EV-to-FCF of Citizens Bancshares was 7.12. The lowest was -82.48. And the median was -3.24.
CZBS's EV-to-FCF is ranked better than 90.64% of 1196
companies
in the Banks industry
Industry Median: 6.565
vs CZBS: -1.17
EV-to-FCF 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-FCF 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 $54.05.
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. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Citizens Bancshares EV-to-FCF Related Terms
Citizens Bancshares EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Citizens Bancshares's EV-to-FCF 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-FCF, along with its competitors' market caps and EV-to-FCF 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-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Citizens Bancshares's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Citizens Bancshares's EV-to-FCF falls into.
Citizens Bancshares's current Enterprise Value is $-16.99 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Citizens Bancshares's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was $14.54 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 (CZBS) has a EV-to-FCF of -1.17 as of Jul. 06, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Citizens Bancshares and its competitors. According to the industry distribution chart, Citizens Bancshares ranks #112 out of 1196 companies in the Banks industry, placing it in the top 9.4%.
Is Citizens Bancshares' EV-to-FCF too high?
Citizens Bancshares' current EV-to-FCF is -1.17. Based on the distribution chart, Citizens Bancshares ranks #112 out of 1196 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Citizens Bancshares has a GF Score™ of 77/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Citizens Bancshares' EV-to-FCF compare to HARL and SFBC?
According to the Banks industry distribution chart, Citizens Bancshares ranks #112 out of 1196 companies for EV-to-FCF. This places Citizens Bancshares in the top 9% of its industry — outperforming the majority of peers. The industry median EV-to-FCF is 6.57. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.57, based on 1,196 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF 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-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Citizens Bancshares and its competitors. For the Banks industry, the median EV-to-FCF is 6.57 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Citizens Bancshares's current EV-to-FCF is -1.17. 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 $55.23, compared to a current price of $54.05 — trading 2.1% below its estimated fair value. The current EV-to-FCF is -1.17. Citizens Bancshares' overall GF Score™ is 77/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Citizens Bancshares (CZBS), the current EV-to-FCF is -1.17 as of Jul. 06, 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 (CZBS) Overvalued in 2026?
Based on GuruFocus' analysis, Citizens Bancshares stock appears to be undervalued.
The current stock price of $54.05 is trading 2.1% below its estimated GF Value™ of $55.23.
GuruFocus considers Citizens Bancshares to be Fairly Valued.
Key valuation signals for CZBS:
EV-to-FCF: -1.17
GF Value™: $55.23 vs. price of $54.05 (2.1% below fair value)
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 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.
77GF Score
Get the complete analysis for CZBS
EV-to-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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