CITZ (Citizens Bancshares) Interest Income: $53.36 Mil (TTM As of Dec. 2025)

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CITZ Citizens Bancshares Corp CITZ
74 GF Score
Price $48.05
GF Value $41.46
Valuation Fairly Valued
! 6 Warning Signs
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What is Citizens Bancshares Interest Income?

Citizens Bancshares CITZ 74 Interest Income is $53.36 Mil as of Dec. 2025. GuruFocus rates CITZ with a GF Score™ of 74/100 and a GF Value™ of $41.46 (Fairly Valued). The stock has 6 warning signs investors should review.

Interest Income is the interest earned on cash temporarily held in savings accounts, certificates of deposits, or other investments. Citizens Bancshares's interest income for the twelve months ended in Dec. 2025 was $53.36 Mil. Its interest income for the trailing twelve months (TTM) ended in Dec. 2025 was $53.36 Mil.

Citizens Bancshares Interest Income Historical Data

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The historical data trend for Citizens Bancshares's Interest Income 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 Interest Income Chart

Citizens Bancshares Annual Data
Trend Dec13 Dec14 Dec15 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Interest Income
Get a 7-Day Free Trial Premium Member Only Premium Member Only 23.31 30.88 45.71 49.57 53.36

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
Interest Income 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 23.31 30.88 45.71 49.57 53.36
CITZ
74GF Score
Citizens Bancshares Corp CITZ
Interest Income is just one metric. See GF Score™, valuation, warning signs, and more.
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Citizens Bancshares Interest Income Calculation

Interest Income is the interest earned on cash temporarily held in savings accounts, certificates of deposits, or other investments.

For stock reported annually, GuruFocus uses latest annual data as the TTM data. Interest Income for the trailing twelve months (TTM) ended in Dec. 2025 was $53.36 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.

Frequently Asked Questions Learn more about Interest Income →
What does a Interest Income of $53.36 Mil mean?
Citizens Bancshares (CITZ) has a Interest Income of $53.36 Mil as of Dec. 2025. Interest Income is the amount a company receives on savings accounts and certificates of deposits. View historical data on Citizens Bancshares and its competitors.
Is Citizens Bancshares' Interest Income too high?
Citizens Bancshares' current Interest Income is $53.36 Mil. 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' Interest Income compare to MGYR and HARL?
Citizens Bancshares' Interest Income of $53.36 Mil 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 Interest Income for a Banks company?
A good Interest Income depends on the Banks industry context. However, Interest Income 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 Interest Income mean?
A high Interest Income can signal that a stock is expensive relative to its fundamentals. Interest Income is the amount a company receives on savings accounts and certificates of deposits. View historical data on Citizens Bancshares and its competitors. Citizens Bancshares's current Interest Income is $53.36 Mil. 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 Interest Income is $53.36 Mil. 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 Interest Income calculated?
Interest Income is calculated from a company's financial statements. For Citizens Bancshares (CITZ), the current Interest Income is $53.36 Mil 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 (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:

  • Interest Income: $53.36 Mil
  • GF Value™: $41.46 vs. price of $48.05 (15.9% above fair value)
  • GF Score™: 74/100 with 6 warning signs

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 Business Description

Other Exchanges CZBS: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.
74GF Score

Get the complete analysis for CITZ

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

$48.05
Price
$41.46
GF Value