Citizens BancsharesCZBS +0.94%78 Net Margin % is 22.84% as of Dec. 2025, which is 10% above its 10-year median of 20.77. GuruFocus rates CZBS with a GF Score™ of 78/100 and a GF Value™ of $55.04 (Fairly Valued). The stock has 3 warning signs investors should review. Among 1,527 Banks companies, Citizens Bancshares ranks worse than 63.46% on this metric.
The historical rank and industry rank for Citizens Bancshares's Net Margin % or its related term are showing as below:
CZBS'
s Net Margin % Range Over the Past 10 Years
Min: 7.78 Med: 20.77 Max: 25.66
Current: 22.84
CZBS's Net Margin % is ranked worse than 63.46% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs CZBS: 22.84
Citizens Bancshares (OTCPK:CZBS) Net Margin % Explanation
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.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Citizens Bancshares Net Margin % Related Terms
Citizens Bancshares Net Margin % Historical Data
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The historical data trend for Citizens Bancshares's Net Margin % 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.
For the Banks - Regional subindustry, Citizens Bancshares's Net Margin %, along with its competitors' market caps and Net Margin % 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 Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Citizens Bancshares's Net Margin % distribution charts can be found below:
* The bar in red indicates where Citizens Bancshares's Net Margin % falls into.
* 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 Margin % of 22.84% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on Citizens Bancshares and its competitors. This is 10% above median its historical median of 20.77. Over the past decade, Citizens Bancshares' Net Margin % has ranged from 7.78 to 25.66. According to the industry distribution chart, Citizens Bancshares ranks #969 out of 1527 companies in the Banks industry, placing it in the top 63.5%.
Is Citizens Bancshares' Net Margin % too high?
Citizens Bancshares' current Net Margin % of 22.84% is 10% above median its 10-year median of 20.77. Over the past 10 years, this metric has ranged from a low of 7.78 to a high of 25.66. The Banks industry median Net Margin % is 26.95. Citizens Bancshares' value of 22.84% is 15.3% below this industry median. Based on the distribution chart, Citizens Bancshares ranks #969 out of 1527 companies in the Banks industry, which is below the industry midpoint. 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 Margin % compare to CMHF and UBOH?
According to the Banks industry distribution chart, Citizens Bancshares ranks #969 out of 1527 companies for Net Margin %. This places Citizens Bancshares in the lower half of its industry. The industry median Net Margin % is 26.95. Citizens Bancshares' value of 22.84% is 15.3% below this benchmark. Historically, Citizens Bancshares' own Net Margin % has ranged from 7.78 to 25.66 over the past decade. While the company's 10-year median is 20.77 vs. the industry median of 26.95, Citizens Bancshares has consistently been below 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.95, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Citizens Bancshares's current Net Margin % of 22.84% is 15.3% below 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Citizens Bancshares and its competitors. For the Banks industry, the median Net Margin % is 26.95 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Citizens Bancshares's current Net Margin % is 22.84%, which is 10% above median its own 10-year median of 20.77. 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 $55.04, compared to a current price of $53.60 — trading 2.6% below its estimated fair value. The current Net Margin % is 22.84%, which is 10% above median its 10-year median of 20.77 and 15.3% below the Banks industry median of 26.95. 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 Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Citizens Bancshares (CZBS), the current Net Margin % is 22.84% 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 $53.60 is trading 2.6% below its estimated GF Value™ of $55.04.
GuruFocus considers Citizens Bancshares to be Fairly Valued.
Key valuation signals for CZBS:
Net Margin %: 22.84% (10% above median its 10-year median of 20.77)
GF Value™: $55.04 vs. price of $53.60 (2.6% below fair value)
Industry Position: 15.3% below the Banks median (#969 of 1527)
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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Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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