CZBS (Citizens Bancshares) Goodwill-to-Asset: (As of Mar. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

CZBS Citizens Bancshares Corp CZBS
69 GF Score
Price $65.00
GF Value $56.45
Valuation Modestly Overvalued
! 6 Warning Signs
View Full Analysis

What is Citizens Bancshares Goodwill-to-Asset?

Goodwill to Asset ratio measures how much goodwill a company is recording compared to the total level of its assets. Citizens Bancshares's Goodwill for the quarter that ended in Mar. 2026 was $0.00 Mil. Citizens Bancshares's Total Assets for the quarter that ended in Mar. 2026 was $0.00 Mil.


Citizens Bancshares  (OTCPK:CZBS) Goodwill-to-Asset Explanation

If the goodwill-to-asset ratio increases, it can mean that the company is recording a proportionately higher amount of goodwill, assuming total assets are remaining constant. It is generally good to see a company increasing its assets regularly; however, if these increases are coming from intangible assets, such as goodwill, the increases may not be as good.

Increases in the goodwill-to-asset ratio might suggest that a company has been aggressively acquiring other firms or has seen its tangible assets decrease in value. When a large portion of total assets are attributable to intangible assets (such as goodwill), the company may be at risk of having that portion of its asset base wiped out quickly if it must record any goodwill impairments. Decreases in the goodwill-to-assets ratio suggest that the company has either written down some goodwill or increased its tangible assets.

Asset needs vary from industry to industry. This is why comparing goodwill-to-assets ratios is generally most meaningful among companies within the same industry. By comparing a company's goodwill to assets ratio to those of other companies within the same industry, investors can get a feel for how a company is managing its goodwill.


Citizens Bancshares Goodwill-to-Asset Related Terms


Citizens Bancshares Goodwill-to-Asset Historical Data

* Premium members only.

The historical data trend for Citizens Bancshares's Goodwill-to-Asset 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 Goodwill-to-Asset Chart

Citizens Bancshares Annual Data
Trend Dec13 Dec14 Dec15 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Goodwill-to-Asset
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.00 0.00 0.00 0.00

Citizens Bancshares Quarterly Data
Dec12 Mar13 Jun13 Sep13 Dec13 Mar14 Jun14 Sep14 Dec14 Mar15 Jun15 Sep15 Dec15 Mar16 Jun16 Sep16 Sep24 Dec24 Mar25 Mar26
Goodwill-to-Asset 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 0.00 - 0.00 - -

CZBS vs MGYR, HARL, BOTJ: Goodwill-to-Asset Comparison

For the Banks - Regional subindustry, Citizens Bancshares's Goodwill-to-Asset, along with its competitors' market caps and Goodwill-to-Asset 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 Goodwill-to-Asset vs Banks Industry

For the Banks industry and Financial Services sector, Citizens Bancshares's Goodwill-to-Asset distribution charts can be found below:

* The bar in red indicates where Citizens Bancshares's Goodwill-to-Asset falls into.


CZBS
69GF Score
Citizens Bancshares Corp CZBS
Goodwill-to-Asset is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Citizens Bancshares Goodwill-to-Asset Calculation

Goodwill to Asset ratio measures how much goodwill a company is recording compared to the total level of its assets.

It is calculated by dividing goodwill by total assets.

Citizens Bancshares's Goodwill to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as

Goodwill to Asset (A: Dec. 2025 )=Goodwill/Total Assets
=0.362139/803.042662
=0.00

Citizens Bancshares's Goodwill to Asset Ratio for the quarter that ended in Mar. 2026 is calculated as

Goodwill to Asset (Q: Mar. 2026 )=Goodwill/Total Assets
=0/0
=

* 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.

Is Citizens Bancshares (CZBS) Overvalued in 2026?

Based on GuruFocus' analysis, Citizens Bancshares stock appears to be overvalued. The current stock price of $65.00 is trading 15.1% above its estimated GF Value™ of $56.45. GuruFocus considers Citizens Bancshares to be Modestly Overvalued.

Key valuation signals for CZBS:

  • Goodwill-to-Asset:
  • GF Value™: $56.45 vs. price of $65.00 (15.1% above fair value)
  • GF Score™: 69/100 with 6 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.
69GF Score

Get the complete analysis for CZBS

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

$65.00
Price
$56.45
GF Value