Citizens BancsharesCZBS +0.75%78 Median PS Value is $35.66 as of Jul. 01, 2026, which is 2730% above its 10-year median of 1.26. GuruFocus rates CZBS with a GF Score™ of 78/100 and a GF Value™ of $55.15 (Fairly Valued). The stock has 3 warning signs investors should review. Among 1,040 Banks companies, Citizens Bancshares ranks worse than 80.1% on this metric.
This valuation method assumes that the stock valuation will revert to its historical (10-Year) median in terms of PS Ratio. The reason we use PS Ratio instead of PE Ratio or PB Ratio is because PS Ratio is independent of profit margin, and can be applied to a broader range of situations.
The historical rank and industry rank for Citizens Bancshares's Median PS Value or its related term are showing as below:
CZBS'
s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.7 Med: 1.26 Max: 1.83
Current: 1.51
During the past 13 years, the highest Price to Median PS Value of Citizens Bancshares was 1.83. The lowest was 0.70. And the median was 1.26.
CZBS's Price-to-Median-PS-Value is ranked worse than 80.1% of 1040
companies
in the Banks industry
Industry Median: 1.11
vs CZBS: 1.51
Citizens Bancshares (OTCPK:CZBS) Median PS Value Explanation
This valuation method assumes that the stock valuation will revert to its historical (10-Year) mean in terms of PS Ratio. The reason we use PS Ratio instead of PE Ratio or PB Ratio
is because PS Ratio is independent of profit margin, and can be applied to a broader range of situations.
It also assumes that over time the profit margin is constant. If a company increases its profit margin to a sustainable level, this value might under-estimate its value. If it has permanent declined profit margins, this may over-estimate the company's value.
Citizens Bancshares's Price to Median PS Value for today is calculated as
Price to Median PS Value
=
Share Price
/
Median PS Value
=
53.80
/
35.66
=
1.51
* 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 Median PS Value Related Terms
Citizens Bancshares Median PS Value Historical Data
* Premium members only.
The historical data trend for Citizens Bancshares's Median PS Value 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.
CZBS vs HARL, SFBC, CMHF: Median PS Value Comparison
For the Banks - Regional subindustry, Citizens Bancshares's Price-to-Median-PS-Value, along with its competitors' market caps and Price-to-Median-PS-Value 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 Price-to-Median-PS-Value vs Banks Industry
For the Banks industry and Financial Services sector, Citizens Bancshares's Price-to-Median-PS-Value distribution charts can be found below:
* The bar in red indicates where Citizens Bancshares's Price-to-Median-PS-Value falls into.
10-Year Median PS Ratio is 1.4944.
For company reported annually, GuruFocus uses latest annual data as the TTM data. Citizens Bancshares's Revenue per Share for the trailing twelve months (TTM) ended in Dec. 2025 was $23.863.
* 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 Median PS Value of $35.66 as of Jul. 01, 2026. Median price-sales value is the stock value based on a company's 10-year median price-sales ratio, View historical data on Citizens Bancshares and its competitors. This is 2730% above median its historical median of 1.26. Over the past decade, Citizens Bancshares' Median PS Value has ranged from 0.70 to 1.83. According to the industry distribution chart, Citizens Bancshares ranks #833 out of 1040 companies in the Banks industry, placing it in the top 80.1%.
Is Citizens Bancshares' Median PS Value too high?
Citizens Bancshares' current Median PS Value of $35.66 is 2730% above median its 10-year median of 1.26. Over the past 10 years, this metric has ranged from a low of 0.70 to a high of 1.83. The Banks industry median Median PS Value is 1.11. Citizens Bancshares' value of $35.66 is 3112.6% above this industry median. Based on the distribution chart, Citizens Bancshares ranks #833 out of 1040 companies in the Banks industry, which is in the bottom quartile relative to peers. 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' Median PS Value compare to HARL and SFBC?
According to the Banks industry distribution chart, Citizens Bancshares ranks #833 out of 1040 companies for Median PS Value. This places Citizens Bancshares in the lower half of its industry. The industry median Median PS Value is 1.11. Citizens Bancshares' value of $35.66 is 3112.6% above this benchmark. Historically, Citizens Bancshares' own Median PS Value has ranged from 0.70 to 1.83 over the past decade. While the company's 10-year median is 1.26 vs. the industry median of 1.11, 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 Median PS Value for a Banks company?
The median Median PS Value among Banks companies is 1.11, based on 1,040 companies in the industry. Companies in the top quartile (top 25%) have a Median PS Value significantly above this median, while those in the bottom quartile fall well below. However, Median PS Value should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Citizens Bancshares's current Median PS Value of $35.66 is 3112.6% 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 Median PS Value mean?
A high Median PS Value can signal that a stock is expensive relative to its fundamentals. Median price-sales value is the stock value based on a company's 10-year median price-sales ratio, View historical data on Citizens Bancshares and its competitors. For the Banks industry, the median Median PS Value is 1.11 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Citizens Bancshares's current Median PS Value is $35.66, which is 2730% above median its own 10-year median of 1.26. 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 $55.15, compared to a current price of $53.80 — trading 2.4% below its estimated fair value. The current Median PS Value is $35.66, which is 2730% above median its 10-year median of 1.26 and 3112.6% above the Banks industry median of 1.11. 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 Median PS Value calculated?
Median PS Value is calculated from a company's financial statements. For Citizens Bancshares (CZBS), the current Median PS Value is $35.66 as of Jul. 01, 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 $53.80 is trading 2.4% below its estimated GF Value™ of $55.15.
GuruFocus considers Citizens Bancshares to be Fairly Valued.
Key valuation signals for CZBS:
Median PS Value: $35.66 (2730% above median its 10-year median of 1.26)
GF Value™: $55.15 vs. price of $53.80 (2.4% below fair value)
Industry Position: 3112.6% above the Banks median (#833 of 1040)
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
Get the complete analysis for CZBS
Median PS Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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