CZBS (Citizens Bancshares) Dividend Payout Ratio: 0.20 (As of Dec. 2025) — 67% Above Median


CZBS Citizens Bancshares Corp CZBS
78 GF Score
Price $53.80
GF Value $55.15
Valuation Fairly Valued
! 3 Warning Signs
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What is Citizens Bancshares Dividend Payout Ratio?

Citizens Bancshares CZBS +0.75% 78 Dividend Payout Ratio is 0.20 as of Dec. 2025, which is 67% above its 10-year median of 0.12. GuruFocus rates CZBS with a GF Score™ of 78/100 and a GF Value™ of $55.15 (Fairly Valued). The stock has 3 warning signs investors should review. Among 1,169 Banks companies, Citizens Bancshares ranks better than 78.53% on this metric.

The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period. Citizens Bancshares's Dividend Payout Ratio for the months ended in Dec. 2025 was 0.20.

The historical rank and industry rank for Citizens Bancshares's Dividend Payout Ratio or its related term are showing as below:

CZBS' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.11   Med: 0.12   Max: 0.2
Current: 0.2

During the past 13 years, the highest Dividend Payout Ratio of Citizens Bancshares was 0.20. The lowest was 0.11. And the median was 0.12.

CZBS's Dividend Payout Ratio is ranked better than
78.53% of 1169 companies
in the Banks industry
Industry Median: 0.32 vs CZBS: 0.20

As of today (2026-07-01), the Dividend Yield % of Citizens Bancshares is 2.23%.

During the past 13 years, the highest Trailing Annual Dividend Yield of Citizens Bancshares was 3.91%. The lowest was 0.58%. And the median was 1.52%.

Citizens Bancshares's Dividends per Share for the months ended in Dec. 2025 was $1.10.

During the past 12 months, Citizens Bancshares's average Dividends Per Share Growth Rate was 10.00% per year. During the past 3 years, the average Dividends Per Share Growth Rate was 30.10% per year. During the past 5 years, the average Dividends Per Share Growth Rate was 28.90% per year. During the past 10 years, the average Dividends Per Share Growth Rate was 36.10% per year.

During the past 13 years, the highest 3-Year average Dividends Per Share Growth Rate of Citizens Bancshares was 71.00% per year. The lowest was -33.80% per year. And the median was 8.20% per year.

The growth rate is calculated with least square regression.

For more information regarding to dividend, please check our Dividend Page.

* Please note that "special dividend" is not included in the calculation of dividend per share and related fields.

Citizens Bancshares (OTCPK:CZBS) Dividend Payout Ratio Explanation

In dividends investing, Dividend Payout Ratio and Dividend Growth Rate are the two most important variables for consideration. A lower payout ratio may indicate that the company has more room to increase its dividends.

Citizens Bancshares Dividend Payout Ratio Related Terms

Citizens Bancshares Dividend Payout Ratio Historical Data

* Premium members only.

The historical data trend for Citizens Bancshares's Dividend Payout Ratio 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 Dividend Payout Ratio Chart

Citizens Bancshares Annual Data
Trend Dec13 Dec14 Dec15 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Dividend Payout Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.12 0.11 0.14 0.20 0.20

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
Dividend Payout Ratio 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 0.12 0.11 0.14 0.20 0.20

CZBS vs HARL, SFBC, CMHF: Dividend Payout Ratio Comparison

For the Banks - Regional subindustry, Citizens Bancshares's Dividend Payout Ratio, along with its competitors' market caps and Dividend Payout Ratio 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 Dividend Payout Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Citizens Bancshares's Dividend Payout Ratio distribution charts can be found below:

* The bar in red indicates where Citizens Bancshares's Dividend Payout Ratio falls into.


CZBS
78GF Score
Citizens Bancshares Corp CZBS
Dividend Payout Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Citizens Bancshares Dividend Payout Ratio Calculation

The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period.

Citizens Bancshares's Dividend Payout Ratio for the fiscal year that ended in Dec. 2025 is calculated as

Dividend Payout Ratio=Dividends per Share (A: Dec. 2025 )/ EPS without NRI (A: Dec. 2025 )
=1.1/ 5.588
=0.20

Citizens Bancshares's Dividend Payout Ratio for the quarter that ended in Dec. 2025 is calculated as

Dividend Payout Ratio=Dividends per Share (Q: Dec. 2025 )/ EPS without NRI (Q: Dec. 2025 )
=1.1/ 5.588
=0.20

* 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.

Frequently Asked Questions Learn more about Dividend Payout Ratio →
What does a Dividend Payout Ratio of 0.20 mean?
Citizens Bancshares (CZBS) has a Dividend Payout Ratio of 0.20 as of Dec. 2025. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on Citizens Bancshares and its competitors. This is 67% above median its historical median of 0.12. Over the past decade, Citizens Bancshares' Dividend Payout Ratio has ranged from 0.11 to 0.20. According to the industry distribution chart, Citizens Bancshares ranks #251 out of 1169 companies in the Banks industry, placing it in the top 21.5%.
Is Citizens Bancshares' Dividend Payout Ratio too high?
Citizens Bancshares' current Dividend Payout Ratio of 0.20 is 67% above median its 10-year median of 0.12. Over the past 10 years, this metric has ranged from a low of 0.11 to a high of 0.20. The Banks industry median Dividend Payout Ratio is 0.32. Citizens Bancshares' value of 0.20 is 37.5% below this industry median. Based on the distribution chart, Citizens Bancshares ranks #251 out of 1169 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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' Dividend Payout Ratio compare to HARL and SFBC?
According to the Banks industry distribution chart, Citizens Bancshares ranks #251 out of 1169 companies for Dividend Payout Ratio. This places Citizens Bancshares in the top 22% of its industry — outperforming the majority of peers. The industry median Dividend Payout Ratio is 0.32. Citizens Bancshares' value of 0.20 is 37.5% below this benchmark. Historically, Citizens Bancshares' own Dividend Payout Ratio has ranged from 0.11 to 0.20 over the past decade. While the company's 10-year median is 0.12 vs. the industry median of 0.32, 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 Dividend Payout Ratio for a Banks company?
The median Dividend Payout Ratio among Banks companies is 0.32, based on 1,169 companies in the industry. Companies in the top quartile (top 25%) have a Dividend Payout Ratio significantly above this median, while those in the bottom quartile fall well below. However, Dividend Payout Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Citizens Bancshares's current Dividend Payout Ratio of 0.20 is 37.5% 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 Dividend Payout Ratio mean?
A high Dividend Payout Ratio can signal that a stock is expensive relative to its fundamentals. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on Citizens Bancshares and its competitors. For the Banks industry, the median Dividend Payout Ratio is 0.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Citizens Bancshares's current Dividend Payout Ratio is 0.20, which is 67% above median its own 10-year median of 0.12. 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 $53.80 — trading 2.4% below its estimated fair value. The current Dividend Payout Ratio is 0.20, which is 67% above median its 10-year median of 0.12 and 37.5% below the Banks industry median of 0.32. 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 Dividend Payout Ratio calculated?
Dividend Payout Ratio is calculated from a company's financial statements. For Citizens Bancshares (CZBS), the current Dividend Payout Ratio is 0.20 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 $53.80 is trading 2.4% below its estimated GF Value™ of $55.15. GuruFocus considers Citizens Bancshares to be Fairly Valued.

Key valuation signals for CZBS:

  • Dividend Payout Ratio: 0.20 (67% above median its 10-year median of 0.12)
  • GF Value™: $55.15 vs. price of $53.80 (2.4% below fair value)
  • GF Score™: 78/100 with 3 warning signs
  • Industry Position: 37.5% below the Banks median (#251 of 1169)

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 Business Description

Other Exchanges CITZ: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.
78GF Score

Get the complete analysis for CZBS

Dividend Payout Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$53.80
Price
$55.15
GF Value