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12-1 Month Momentum % is the total return of the stock from 12-month ago to 1-month ago. As of today (2026-09-12), Citizens Bancshares's 12-1 Month Momentum % is 47.69%.
The industry rank for Citizens Bancshares's 12-1 Month Momentum % or its related term are showing as below:
CITZ's 12-1 Month Momentum % is ranked better than 68.79% of 1589
companies
in the Banks industry
Industry Median: 18.29
vs CITZ: 47.69
Momentum investing is a trading strategy in which investors buy securities that are rising and sell before the prices start to go back down. The 12-1 Month Momentum % measures the total return to a stock over the past twelve months, but ignores the previous month.
The reason why the most recent month’s return dropped related to the short-term reversal effect associated with momentum. There is an academic finding that short-term momentum actually has a reversal effect, whereby the previous winners (measured over the past months) do poorly the next month, while the previous losers do well the next month. In order to eliminate the short-term reversal effect, the previous month return was not included in this calculation.
Citizens Bancshares 12-1 Month Momentum % Related Terms
CITZ vs MGYR, HARL, BOTJ: 12-1 Month Momentum % Comparison
For the Banks - Regional subindustry, Citizens Bancshares's 12-1 Month Momentum %, along with its competitors' market caps and 12-1 Month Momentum % 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 12-1 Month Momentum % vs Banks Industry
For the Banks industry and Financial Services sector, Citizens Bancshares's 12-1 Month Momentum % distribution charts can be found below:
* The bar in red indicates where Citizens Bancshares's 12-1 Month Momentum % 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 (CITZ) has a 12-1 Month Momentum % of 47.69% as of Sep. 12, 2026. 12-1 Month Momentum measures the total return of the stock from 12-month ago to 1-month ago. View historical data on Citizens Bancshares and its competitors. According to the industry distribution chart, Citizens Bancshares ranks #496 out of 1589 companies in the Banks industry, placing it in the top 31.2%.
Is Citizens Bancshares' 12-1 Month Momentum % too high?
Citizens Bancshares' current 12-1 Month Momentum % is 47.69%. The Banks industry median 12-1 Month Momentum % is 18.29. Citizens Bancshares' value of 47.69% is 160.7% above this industry median. Based on the distribution chart, Citizens Bancshares ranks #496 out of 1589 companies in the Banks industry, which is above the industry midpoint. Overall, Citizens Bancshares has a GF Score™ of 74/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Citizens Bancshares' 12-1 Month Momentum % compare to MGYR and HARL?
According to the Banks industry distribution chart, Citizens Bancshares ranks #496 out of 1589 companies for 12-1 Month Momentum %. This puts Citizens Bancshares in the upper half of its industry. The industry median 12-1 Month Momentum % is 18.29. Citizens Bancshares' value of 47.69% is 160.7% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 12-1 Month Momentum % for a Banks company?
The median 12-1 Month Momentum % among Banks companies is 18.29, based on 1,589 companies in the industry. Companies in the top quartile (top 25%) have a 12-1 Month Momentum % significantly above this median, while those in the bottom quartile fall well below. However, 12-1 Month Momentum % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Citizens Bancshares's current 12-1 Month Momentum % of 47.69% is 160.7% 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 12-1 Month Momentum % mean?
A high 12-1 Month Momentum % can signal that a stock is expensive relative to its fundamentals. 12-1 Month Momentum measures the total return of the stock from 12-month ago to 1-month ago. View historical data on Citizens Bancshares and its competitors. For the Banks industry, the median 12-1 Month Momentum % is 18.29 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Citizens Bancshares's current 12-1 Month Momentum % is 47.69%. 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 Fairly Valued. The stock's GF Value™ is $41.46, compared to a current price of $48.05 — trading 15.9% above its estimated fair value. The current 12-1 Month Momentum % is 47.69% and 160.7% above the Banks industry median of 18.29. Citizens Bancshares' overall GF Score™ is 74/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 12-1 Month Momentum % calculated?
12-1 Month Momentum % is calculated from a company's financial statements. For Citizens Bancshares (CITZ), the current 12-1 Month Momentum % is 47.69% as of Sep. 12, 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 (CITZ) Overvalued in 2026?
Based on GuruFocus' analysis, Citizens Bancshares stock appears to be overvalued.
The current stock price of $48.05 is trading 15.9% above its estimated GF Value™ of $41.46.
GuruFocus considers Citizens Bancshares to be Fairly Valued.
Key valuation signals for CITZ:
12-1 Month Momentum %: 47.69%
GF Value™: $41.46 vs. price of $48.05 (15.9% above fair value)
Industry Position: 160.7% above the Banks median (#496 of 1589)
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 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.
74GF Score
Get the complete analysis for CITZ
12-1 Month Momentum % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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