CITZ (Citizens Bancshares) Total Noninterest Expense: $34.34 Mil (As of Dec. 2025)

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CITZ Citizens Bancshares Corp CITZ
73 GF Score
Price $44.00
GF Value $52.02
Valuation Modestly Undervalued
! 6 Warning Signs
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What is Citizens Bancshares Total Noninterest Expense?

Citizens Bancshares CITZ 73 Total Noninterest Expense is $34.34 Mil as of Dec. 2025. GuruFocus rates CITZ with a GF Score™ of 73/100 and a GF Value™ of $52.02 (Modestly Undervalued). The stock has 6 warning signs investors should review.

Citizens Bancshares's Total Noninterest Expense for the six months ended in Dec. 2025 was $34.34 Mil. Citizens Bancshares's Total Noninterest Expense for the trailing twelve months (TTM) ended in Dec. 2025 was $34.34 Mil.

Citizens Bancshares Total Noninterest Expense Related Terms

Citizens Bancshares Total Noninterest Expense Historical Data

* Premium members only.

The historical data trend for Citizens Bancshares's Total Noninterest Expense 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 Total Noninterest Expense Chart

Citizens Bancshares Annual Data
Trend Dec13 Dec14 Dec15 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Total Noninterest Expense
Get a 7-Day Free Trial Premium Member Only Premium Member Only 20.82 23.77 29.39 30.11 34.34

Citizens Bancshares Semi-Annual Data
Dec03 Dec04 Dec05 Dec06 Dec07 Dec08 Dec09 Dec10 Dec11 Dec12 Dec13 Dec14 Dec15 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Total Noninterest Expense Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 20.82 23.77 29.39 30.11 34.34
CITZ
73GF Score
Citizens Bancshares Corp CITZ
Total Noninterest Expense is just one metric. See GF Score™, valuation, warning signs, and more.
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Citizens Bancshares Total Noninterest Expense Calculation

Total Noninterest Expense is any expenses incurred that not related to interest. It includes:
Selling, General, & Admin. Expense
Occupancy
Equipment
Professional fees
Amortization of intangibles
Any other special income/charges (too numerous to list)
Some banks can do choose to report each of these items separately. Yet, there are a variety of noninterest expense which are simply too numerous to list.

For stock reported annually, GuruFocus uses latest annual data as the TTM data. Total Noninterest Expense for the trailing twelve months (TTM) ended in Dec. 2025 was $34.34 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.

What does a Total Noninterest Expense of $34.34 Mil mean?
Citizens Bancshares (CITZ) has a Total Noninterest Expense of $34.34 Mil as of Dec. 2025. Total noninterest expense is any expenses incurred that not related to interest. View historical data on Citizens Bancshares and its competitors.
Is Citizens Bancshares' Total Noninterest Expense too high?
Citizens Bancshares' current Total Noninterest Expense is $34.34 Mil. Overall, Citizens Bancshares has a GF Score™ of 73/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Citizens Bancshares' Total Noninterest Expense compare to MGYR and JDVB?
Citizens Bancshares' Total Noninterest Expense of $34.34 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 Total Noninterest Expense for a Banks company?
A good Total Noninterest Expense depends on the Banks industry context. However, Total Noninterest Expense 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 Total Noninterest Expense mean?
A high Total Noninterest Expense can signal that a stock is expensive relative to its fundamentals. Total noninterest expense is any expenses incurred that not related to interest. View historical data on Citizens Bancshares and its competitors. Citizens Bancshares's current Total Noninterest Expense is $34.34 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 (CITZ) is currently considered Modestly Undervalued. The stock's GF Value™ is $52.02, compared to a current price of $44.00 — trading 15.4% below its estimated fair value. The current Total Noninterest Expense is $34.34 Mil. Citizens Bancshares' overall GF Score™ is 73/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Total Noninterest Expense calculated?
Total Noninterest Expense is calculated from a company's financial statements. For Citizens Bancshares (CITZ), the current Total Noninterest Expense is $34.34 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 (CITZ) Overvalued in 2026?

Based on GuruFocus' analysis, Citizens Bancshares stock appears to be undervalued. The current stock price of $44.00 is trading 15.4% below its estimated GF Value™ of $52.02. GuruFocus considers Citizens Bancshares to be Modestly Undervalued.

Key valuation signals for CITZ:

  • Total Noninterest Expense: $34.34 Mil
  • GF Value™: $52.02 vs. price of $44.00 (15.4% below fair value)
  • GF Score™: 73/100 with 6 warning signs

No single metric tells the full story. See the CITZ stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Citizens Bancshares Business Description

Other Exchanges CZBS: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.
73GF Score

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

$44.00
Price
$52.02
GF Value