Net Interest Margin (Bank Only) % is a measure of the difference between the interest income generated by banks or other financial institutions and the amount of interest paid out to their lenders (for example, deposits), relative to the amount of their interest-earning assets. It is usually calculated as a percentage of what the financial institution earns on loans in a time period and other assets minus the interest paid on borrowed funds divided by the average amount of the assets on which it earned income in that time period (the average earning assets).
GuruFocus calculates Net Interest Margin (Bank Only) % as Net Interest Income (for Banks) divided by its average earning assets. Citizens Bancshares's annualizedNet Interest Income (for Banks) for the quarter that ended in Dec. 2025 was $40.11 Mil. Citizens Bancshares's average earning assets for the quarter that ended in Dec. 2025 was $595.06 Mil. Therefore, Citizens Bancshares's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Dec. 2025 was 6.74%.
Citizens Bancshares (OTCPK:CZBS) Net Interest Margin (Bank Only) % Explanation
The negative value of Net Interest Margin (Bank Only) % mean the firm pays more interest for its debt than the interest revenue generated from its investment.
Citizens Bancshares Net Interest Margin (Bank Only) % Related Terms
Citizens Bancshares Net Interest Margin (Bank Only) % Historical Data
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The historical data trend for Citizens Bancshares's Net Interest Margin (Bank Only) % 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 Net Interest Margin (Bank Only) % Chart
CZBS vs HARL, SFBC, CMHF: Net Interest Margin (Bank Only) % Comparison
For the Banks - Regional subindustry, Citizens Bancshares's Net Interest Margin (Bank Only) %, along with its competitors' market caps and Net Interest Margin (Bank Only) % 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 Net Interest Margin (Bank Only) % vs Banks Industry
For the Banks industry and Financial Services sector, Citizens Bancshares's Net Interest Margin (Bank Only) % distribution charts can be found below:
* The bar in red indicates where Citizens Bancshares's Net Interest Margin (Bank Only) % falls into.
Citizens Bancshares Net Interest Margin (Bank Only) % Calculation
Net Interest Margin (Bank Only) % (NIM) is a measure of the difference between the interest income generated by banks or other financial institutions and the amount of interest paid out to their lenders (for example, deposits), relative to the amount of their interest-earning assets. It is usually calculated as a percentage of what the financial institution earns on loans in a time period and other assets minus the interest paid on borrowed funds divided by the average amount of the assets on which it earned income in that time period (the average earning assets).
Citizens Bancshares's annualized Net Interest Margin (Bank Only) % for the fiscal year 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.
In the calculation of annual Net Interest Margin (Bank Only) %, the Net Interest Income (for Banks) of the last fiscal year and the average earning assets over the fiscal year are used. In calculating the quarterly data,
the Net Interest Income (for Banks) data used here is one times the annual (Dec. 2025) net interest income data.
Net Interest Margin (Bank Only) % is displayed in the 30-year financial page for Banks.
What does a Net Interest Margin (Bank Only) % of 6.74% mean?
Citizens Bancshares (CZBS) has a Net Interest Margin (Bank Only) % of 6.74% as of Dec. 2025. Net interest margin is the ratio of a bank's net interest income to its average two-period earning assets. View historical data on Citizens Bancshares and its competitors.
Is Citizens Bancshares' Net Interest Margin (Bank Only) % too high?
Citizens Bancshares' current Net Interest Margin (Bank Only) % is 6.74%. 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' Net Interest Margin (Bank Only) % compare to HARL and SFBC?
Citizens Bancshares' Net Interest Margin (Bank Only) % of 6.74% 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 Interest Margin (Bank Only) % for a Banks company?
A good Net Interest Margin (Bank Only) % depends on the Banks industry context. However, Net Interest Margin (Bank Only) % 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 Interest Margin (Bank Only) % mean?
A high Net Interest Margin (Bank Only) % can signal that a stock is expensive relative to its fundamentals. Net interest margin is the ratio of a bank's net interest income to its average two-period earning assets. View historical data on Citizens Bancshares and its competitors. Citizens Bancshares's current Net Interest Margin (Bank Only) % is 6.74%. 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 $53.95 — trading 2.2% below its estimated fair value. The current Net Interest Margin (Bank Only) % is 6.74%. 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 Net Interest Margin (Bank Only) % calculated?
Net Interest Margin (Bank Only) % is calculated from a company's financial statements. For Citizens Bancshares (CZBS), the current Net Interest Margin (Bank Only) % is 6.74% 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 undervalued.
The current stock price of $53.95 is trading 2.2% below its estimated GF Value™ of $55.15.
GuruFocus considers Citizens Bancshares to be Fairly Valued.
Key valuation signals for CZBS:
Net Interest Margin (Bank Only) %: 6.74%
GF Value™: $55.15 vs. price of $53.95 (2.2% below 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.
78GF Score
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