Citizens BancsharesCZBS +0.75%78 OCF Yield % is 14.66 as of Jul. 01, 2026, which is 11% above its 10-year median of 13.18. GuruFocus rates CZBS with a GF Score™ of 78/100 and a GF Value™ of $55.08 (Fairly Valued). The stock has 3 warning signs investors should review. Among 1,504 Banks companies, Citizens Bancshares ranks better than 69.35% on this metric.
OCF Yield % is calculated as Cash Flow from Operations divided by Market Capitalization. It is a financial solvency ratio that compares the operating cash flow a company is expected to earn against its market value.
Similar to Earnings Yield %, OCF Yield % is financial solvency ratio. A lower ratio suggests a less attractive investment, indicating that investors might not receive substantial returns in proportion to their investment. Conversely, a high operating cash flow yield signals that a company generates sufficient cash to comfortably meet its debts, obligations, and dividend payments, making it a promising investment choice.
Citizens Bancshares OCF Yield % Related Terms
Citizens Bancshares OCF Yield % Historical Data
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The historical data trend for Citizens Bancshares's OCF Yield % 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 Yield %, along with its competitors' market caps and OCF Yield % 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 Yield % vs Banks Industry
For the Banks industry and Financial Services sector, Citizens Bancshares's OCF Yield % distribution charts can be found below:
* The bar in red indicates where Citizens Bancshares's OCF Yield % 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 Yield % of 14.66 as of Jul. 01, 2026. OCF Yield is calculated as Cash Flow from Operations divided by Market Capitalization. View historical data on Citizens Bancshares and its competitors. This is 11% above median its historical median of 13.18. Over the past decade, Citizens Bancshares' OCF Yield % has ranged from 7.62 to 68.91. According to the industry distribution chart, Citizens Bancshares ranks #461 out of 1504 companies in the Banks industry, placing it in the top 30.7%.
Is Citizens Bancshares' OCF Yield % too high?
Citizens Bancshares' current OCF Yield % of 14.66 is 11% above median its 10-year median of 13.18. Over the past 10 years, this metric has ranged from a low of 7.62 to a high of 68.91. The Banks industry median OCF Yield % is 9.34. Citizens Bancshares' value of 14.66 is 57% above this industry median. Based on the distribution chart, Citizens Bancshares ranks #461 out of 1504 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 Yield % compare to HARL and SFBC?
According to the Banks industry distribution chart, Citizens Bancshares ranks #461 out of 1504 companies for OCF Yield %. This puts Citizens Bancshares in the upper half of its industry. The industry median OCF Yield % is 9.34. Citizens Bancshares' value of 14.66 is 57% above this benchmark. Historically, Citizens Bancshares' own OCF Yield % has ranged from 7.62 to 68.91 over the past decade. While the company's 10-year median is 13.18 vs. the industry median of 9.34, 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 Yield % for a Banks company?
The median OCF Yield % among Banks companies is 9.34, based on 1,504 companies in the industry. Companies in the top quartile (top 25%) have a OCF Yield % significantly above this median, while those in the bottom quartile fall well below. However, OCF Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Citizens Bancshares's current OCF Yield % of 14.66 is 57% 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 Yield % mean?
A high OCF Yield % can signal that a stock is expensive relative to its fundamentals. OCF Yield is calculated as Cash Flow from Operations divided by Market Capitalization. View historical data on Citizens Bancshares and its competitors. For the Banks industry, the median OCF Yield % is 9.34 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Citizens Bancshares's current OCF Yield % is 14.66, which is 11% above median its own 10-year median of 13.18. 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 $55.08, compared to a current price of $53.80 — trading 2.3% below its estimated fair value. The current OCF Yield % is 14.66, which is 11% above median its 10-year median of 13.18 and 57% above the Banks industry median of 9.34. 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 Yield % calculated?
OCF Yield % is calculated from a company's financial statements. For Citizens Bancshares (CZBS), the current OCF Yield % is 14.66 as of Jul. 01, 2026. 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 $53.80 is trading 2.3% below its estimated GF Value™ of $55.08.
GuruFocus considers Citizens Bancshares to be Fairly Valued.
Key valuation signals for CZBS:
OCF Yield %: 14.66 (11% above median its 10-year median of 13.18)
GF Value™: $55.08 vs. price of $53.80 (2.3% below fair value)
Industry Position: 57% above the Banks median (#461 of 1504)
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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