Citizens BancsharesCZBS +0.94%78 FCF Margin % is 30.13% as of Dec. 2025, which is 15% above its 10-year median of 26.10. 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. Among 1,505 Banks companies, Citizens Bancshares ranks better than 56.74% on this metric.
The historical rank and industry rank for Citizens Bancshares's FCF Margin % or its related term are showing as below:
CZBS'
s FCF Margin % Range Over the Past 10 Years
Min: 4.39 Med: 26.1 Max: 43.75
Current: 30.13
During the past 13 years, the highest FCF Margin % of Citizens Bancshares was 43.75%. The lowest was 4.39%. And the median was 26.10%.
CZBS's FCF Margin % is ranked better than 56.74% of 1505
companies
in the Banks industry
Industry Median: 26.42
vs CZBS: 30.13
Citizens Bancshares FCF Margin % Related Terms
Citizens Bancshares FCF Margin % Historical Data
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The historical data trend for Citizens Bancshares's FCF Margin % 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 FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Citizens Bancshares's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Citizens Bancshares's FCF Margin % falls into.
* 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 FCF Margin % of 30.13% as of Dec. 2025. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Citizens Bancshares and its competitors. This is 15% above median its historical median of 26.10. Over the past decade, Citizens Bancshares' FCF Margin % has ranged from 4.39 to 43.75. According to the industry distribution chart, Citizens Bancshares ranks #651 out of 1505 companies in the Banks industry, placing it in the top 43.3%.
Is Citizens Bancshares' FCF Margin % too high?
Citizens Bancshares' current FCF Margin % of 30.13% is 15% above median its 10-year median of 26.10. Over the past 10 years, this metric has ranged from a low of 4.39 to a high of 43.75. The Banks industry median FCF Margin % is 26.42. Citizens Bancshares' value of 30.13% is 14% above this industry median. Based on the distribution chart, Citizens Bancshares ranks #651 out of 1505 companies in the Banks industry, which is above the industry midpoint. 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' FCF Margin % compare to CMHF and UBOH?
According to the Banks industry distribution chart, Citizens Bancshares ranks #651 out of 1505 companies for FCF Margin %. This puts Citizens Bancshares in the upper half of its industry. The industry median FCF Margin % is 26.42. Citizens Bancshares' value of 30.13% is 14% above this benchmark. Historically, Citizens Bancshares' own FCF Margin % has ranged from 4.39 to 43.75 over the past decade. While the company's 10-year median is 26.10 vs. the industry median of 26.42, Citizens Bancshares has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.42, based on 1,505 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Citizens Bancshares's current FCF Margin % of 30.13% is 14% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Citizens Bancshares and its competitors. For the Banks industry, the median FCF Margin % is 26.42 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Citizens Bancshares's current FCF Margin % is 30.13%, which is 15% above median its own 10-year median of 26.10. 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 FCF Margin % is 30.13%, which is 15% above median its 10-year median of 26.10 and 14% above the Banks industry median of 26.42. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Citizens Bancshares (CZBS), the current FCF Margin % is 30.13% 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:
FCF Margin %: 30.13% (15% above median its 10-year median of 26.10)
GF Value™: $55.04 vs. price of $53.60 (2.6% below fair value)
Industry Position: 14% above the Banks median (#651 of 1505)
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.
78GF Score
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FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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