Citizens BancsharesCZBS 78 OCF Margin % is 31.90% as of Dec. 2025, which is 17% above its 10-year median of 27.38. GuruFocus rates CZBS with a GF Score™ of 78/100 and a GF Value™ of $55.06 (Fairly Valued). The stock has 3 warning signs investors should review. Among 1,500 Banks companies, Citizens Bancshares ranks better than 53.87% on this metric.
The historical rank and industry rank for Citizens Bancshares's OCF Margin % or its related term are showing as below:
CZBS'
s OCF Margin % Range Over the Past 10 Years
Min: 12.18 Med: 27.38 Max: 49.43
Current: 31.9
During the past 13 years, the highest OCF Margin % of Citizens Bancshares was 49.43%. The lowest was 12.18%. And the median was 27.38%.
CZBS's OCF Margin % is ranked better than 53.87% of 1500
companies
in the Banks industry
Industry Median: 29.44
vs CZBS: 31.90
Citizens Bancshares OCF Margin % Related Terms
Citizens Bancshares OCF Margin % Historical Data
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The historical data trend for Citizens Bancshares's OCF 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 OCF Margin %, along with its competitors' market caps and OCF 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 OCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Citizens Bancshares's OCF Margin % distribution charts can be found below:
* The bar in red indicates where Citizens Bancshares's OCF 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 OCF Margin % of 31.90% as of Dec. 2025. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Citizens Bancshares and its competitors. This is 17% above median its historical median of 27.38. Over the past decade, Citizens Bancshares' OCF Margin % has ranged from 12.18 to 49.43. According to the industry distribution chart, Citizens Bancshares ranks #692 out of 1500 companies in the Banks industry, placing it in the top 46.1%.
Is Citizens Bancshares' OCF Margin % too high?
Citizens Bancshares' current OCF Margin % of 31.90% is 17% above median its 10-year median of 27.38. Over the past 10 years, this metric has ranged from a low of 12.18 to a high of 49.43. The Banks industry median OCF Margin % is 29.44. Citizens Bancshares' value of 31.90% is 8.4% above this industry median. Based on the distribution chart, Citizens Bancshares ranks #692 out of 1500 companies in the Banks industry, which is above 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' OCF Margin % compare to CMHF and UBOH?
According to the Banks industry distribution chart, Citizens Bancshares ranks #692 out of 1500 companies for OCF Margin %. This puts Citizens Bancshares in the upper half of its industry. The industry median OCF Margin % is 29.44. Citizens Bancshares' value of 31.90% is 8.4% above this benchmark. Historically, Citizens Bancshares' own OCF Margin % has ranged from 12.18 to 49.43 over the past decade. While the company's 10-year median is 27.38 vs. the industry median of 29.44, Citizens Bancshares has consistently been above 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 OCF Margin % for a Banks company?
The median OCF Margin % among Banks companies is 29.44, based on 1,500 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Citizens Bancshares's current OCF Margin % of 31.90% is 8.4% above 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Citizens Bancshares and its competitors. For the Banks industry, the median OCF Margin % is 29.44 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Citizens Bancshares's current OCF Margin % is 31.90%, which is 17% above median its own 10-year median of 27.38. 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 $55.06, compared to a current price of $53.60 — trading 2.7% below its estimated fair value. The current OCF Margin % is 31.90%, which is 17% above median its 10-year median of 27.38 and 8.4% above the Banks industry median of 29.44. 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 OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For Citizens Bancshares (CZBS), the current OCF Margin % is 31.90% 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 2.7% below its estimated GF Value™ of $55.06.
GuruFocus considers Citizens Bancshares to be Fairly Valued.
Key valuation signals for CZBS:
OCF Margin %: 31.90% (17% above median its 10-year median of 27.38)
GF Value™: $55.06 vs. price of $53.60 (2.7% below fair value)
Industry Position: 8.4% above the Banks median (#692 of 1500)
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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OCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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