CZBS (Citizens Bancshares) Moat Score: 3/10 (As of Jul. 03, 2026)


CZBS Citizens Bancshares Corp CZBS
77 GF Score
Price $54.05
GF Value $55.19
Valuation Fairly Valued
! 3 Warning Signs
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What is Citizens Bancshares Moat Score?

Citizens Bancshares CZBS +0.19% 77 Moat Score is 3 as of Jul. 03, 2026. GuruFocus rates CZBS with a GF Score™ of 77/100 and a GF Value™ of $55.19 (Fairly Valued). The stock has 3 warning signs investors should review. Among 1,611 Banks companies, Citizens Bancshares ranks better than 74.49% on this metric.

Citizens Bancshares has the Moat Score of 3, which implies that the company might have No Moat - Very weak/transient advantages.

Citizens Bancshares has No Moat: Citizens Bancshares Corp lacks significant market leadership or unique competitive advantages. It operates in a highly competitive banking sector with minimal customer switching costs and no significant intellectual property or brand strength. The company does not exhibit durable cost advantages or regulatory barriers that would provide a sustainable competitive edge.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Citizens Bancshares might have No Moat - Very weak/transient advantages.

Citizens Bancshares  (OTCPK:CZBS) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Citizens Bancshares Moat Score Related Terms

CZBS vs HARL, SFBC, CMHF: Moat Score Comparison

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

For the Banks industry and Financial Services sector, Citizens Bancshares's Moat Score distribution charts can be found below:

* The bar in red indicates where Citizens Bancshares's Moat Score falls into.


CZBS
77GF Score
Citizens Bancshares Corp CZBS
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 3 mean?
Citizens Bancshares (CZBS) has a Moat Score of 3 as of Jul. 03, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Citizens Bancshares ranks #411 out of 1611 companies in the Banks industry, placing it in the top 25.5%.
Is Citizens Bancshares' Moat Score too high?
Citizens Bancshares' current Moat Score is 3. Based on the distribution chart, Citizens Bancshares ranks #411 out of 1611 companies in the Banks industry, which is above the industry midpoint. 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' Moat Score compare to HARL and SFBC?
According to the Banks industry distribution chart, Citizens Bancshares ranks #411 out of 1611 companies for Moat Score. This puts Citizens Bancshares in the upper half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Citizens Bancshares's current Moat Score is 3. 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 $55.19, compared to a current price of $54.05 — trading 2.1% below its estimated fair value. The current Moat Score is 3. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Citizens Bancshares (CZBS), the current Moat Score is 3 as of Jul. 03, 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 $55.19. GuruFocus considers Citizens Bancshares to be Fairly Valued.

Key valuation signals for CZBS:

  • Moat Score: 3
  • GF Value™: $55.19 vs. price of $54.05 (2.1% below fair value)
  • GF Score™: 77/100 with 3 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.
77GF Score

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

$54.05
Price
$55.19
GF Value