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Net Income is the net profit that a company earns after deducting all costs and losses including cost of goods, SGA, DDA, interest expenses, non-recurring items and tax. Citizens Bancshares's Net Income for the
six
months ended in Dec. 2025 was $11.02 Mil. Its Net Income for the trailing twelve months (TTM) ended in Dec. 2025 was $11.02 Mil.
Citizens Bancshares (OTCPK:CZBS) Net Income Explanation
Net Income is the most widely cited number in reporting a company's profitability. It is linked to the most popular earnings-per-share (EPS) number through:
Citizens Bancshares's Earnings per Share (Diluted) (EPS) for the quarter that ended in Dec. 2025 is calculated as
* 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.
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
EPS is most useful for companies that have:
A predictable business
Consistent accounting methods
And few restructurings
The dividend paid to preferred stocks needs to be subtracted from the total net income in the calculation of EPS because common stock holders are not entitled to that part of the net income.
Be Aware
Warren Buffett looks for consistency and upward long term trend. Because of share repurchase it is possible for net earnings trend to differ from EPS trend. He preferred Net Income over EPS. The companies with durable competitive advantage companies report higher % net earnings to total revenues.
Important: If a company is showing net earnings history greater than 20% on total revenues, it is probably benefiting from a long term competitive advantage.
If net earnings is less than 10%, likely to be in a highly competitive business.
Citizens Bancshares Net Income Related Terms
Citizens Bancshares Net Income Historical Data
* Premium members only.
The historical data trend for Citizens Bancshares's Net 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.
Net Income is the net profit that a company earns after deducting all costs and losses including cost of goods, SGA, DDA, interest expenses, non-recurring items and tax.
For stock reported annually, GuruFocus uses latest annual data as the TTM data. Net Income for the trailing twelve months (TTM) ended in Dec. 2025 was $11.02 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.
Citizens Bancshares (CZBS) has a Net Income of $11.02 Mil as of Dec. 2025. Net Income is the total earnings after all operating expenses, interest and taxes. View historical data on Citizens Bancshares and its competitors.
Is Citizens Bancshares' Net Income too high?
Citizens Bancshares' current Net Income is $11.02 Mil. Overall, Citizens Bancshares has a GF Score™ of 75/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Citizens Bancshares' Net Income compare to MGYR and JDVB?
Citizens Bancshares' Net Income of $11.02 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 Net Income for a Banks company?
A good Net Income depends on the Banks industry context. However, Net 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 Net Income mean?
A high Net Income can signal that a stock is expensive relative to its fundamentals. Net Income is the total earnings after all operating expenses, interest and taxes. View historical data on Citizens Bancshares and its competitors. Citizens Bancshares's current Net Income is $11.02 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 (CZBS) is currently considered Modestly Overvalued. The stock's GF Value™ is $55.93, compared to a current price of $62.44 — trading 11.6% above its estimated fair value. The current Net Income is $11.02 Mil. Citizens Bancshares' overall GF Score™ is 75/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Income calculated?
Net Income is calculated from a company's financial statements. For Citizens Bancshares (CZBS), the current Net Income is $11.02 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 (CZBS) Overvalued in 2026?
Based on GuruFocus' analysis, Citizens Bancshares stock appears to be overvalued.
The current stock price of $62.44 is trading 11.6% above its estimated GF Value™ of $55.93.
GuruFocus considers Citizens Bancshares to be Modestly Overvalued.
Key valuation signals for CZBS:
Net Income: $11.02 Mil
GF Value™: $55.93 vs. price of $62.44 (11.6% above fair value)
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.
75GF Score
Get the complete analysis for CZBS
Net Income is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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