Citizens BancsharesCZBS +1.76%77 PE Ratio (TTM) is 10.09 as of Jul. 07, 2026, which is 6% above its 10-year median of 9.54. GuruFocus rates CZBS with a GF Score™ of 77/100 and a GF Value™ of $55.25 (Fairly Valued). The stock has 3 warning signs investors should review. Among 1,448 Banks companies, Citizens Bancshares ranks better than 64.99% on this metric.
The PE Ratio (TTM), or Price-to-Earnings ratio, or P/E Ratio, is a financial ratio used to compare a company's market price to its Earnings per Share (Diluted). As of today (2026-07-07), Citizens Bancshares's share price is
$55.00.
Citizens Bancshares's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was $5.45. Therefore, Citizens Bancshares's PE Ratio (TTM) for today is 10.09.
Warning Sign:
Citizens Bancshares Corp stock PE Ratio (=9.92) is close to 2-year high of 10.87.
The historical rank and industry rank for Citizens Bancshares's PE Ratio (TTM) or its related term are showing as below:
CZBS'
s PE Ratio (TTM) Range Over the Past 10 Years
Min: 3.04 Med: 9.54 Max: 19.58
Current: 10.09
During the past 13 years, the highest PE Ratio (TTM) of Citizens Bancshares was 19.58. The lowest was 3.04. And the median was 9.54.
CZBS's PE Ratio (TTM) is ranked better than 64.99% of 1448
companies
in the Banks industry
Industry Median: 11.78
vs CZBS: 10.09
During the past 12 months, Citizens Bancshares's average EPS without NRIGrowth Rate was 11.10% per year.
During the past 3 years, the average EPS without NRIGrowth Rate was 6.70% per year.
During the past 5 years, the average EPS without NRIGrowth Rate was 13.70% per year.
During the past 10 years, the average EPS without NRIGrowth Rate was 37.10% per year.
During the past 13 years, Citizens Bancshares's highest 3-Year average EPS without NRI Growth Rate was 242.00% per year. The lowest was -66.50% per year. And the median was 18.30% per year.
Citizens Bancshares's EPS (Basic) for the
six
months ended in Dec. 2025 was $5.65.
Its EPS (Basic) for the trailing twelve months (TTM) ended in Dec. 2025 was $5.65.
Citizens Bancshares (OTCPK:CZBS) PE Ratio (TTM) Explanation
The PE Ratio (TTM) can be viewed as the number of years it takes for the company to earn back the price you pay for the stock. For example, if a company earns $2 a share per year, and the stock is traded at $30, the PE Ratio (TTM) is 15. Therefore it takes 15 years for the company to earn back the $30 you paid for its stock, assuming the earnings stays constant over the next 15 years.
In real business, earnings never stay constant. If a company can grow its earnings, it takes fewer years for the company to earn back the price you pay for the stock. If a company's earnings decline it takes more years. As a shareholder, you want the company to earn back the price you pay as soon as possible. Therefore, lower P/E stocks are more attractive than higher P/E stocks so long as the PE Ratio (TTM) is positive. Also for stocks with the same PE Ratio (TTM), the one with faster growth business is more attractive.
If a company loses money, the PE Ratio (TTM) becomes meaningless.
To compare stocks with different growth rates, Peter Lynch invented a ratio called PEG Ratio. PEG Ratio is defined as the PE Ratio (TTM) divided by the growth ratio. He thinks a company with a PE Ratio (TTM) equal to its growth rate is fairly valued. Still he said he would rather buy a company growing 20% a year with a PE Ratio (TTM) of 20, instead of a company growing 10% a year with a PE Ratio (TTM) of 10.
Because the PE Ratio (TTM) measures how long it takes to earn back the price you pay, the PE Ratio (TTM) can be applied to the stocks across different industries. That is why it is the one of the most important and widely used indicators for the valuation of stocks.
Investors need to be aware that the PE Ratio (TTM) can be misleading a lot of times, especially when the underlying business is cyclical and unpredictable. As Peter Lynch pointed out, cyclical businesses have higher profit margins at the peaks of the business cycles. Their earnings are high and PE Ratio (TTM)s are artificially low. It is usually a bad idea to buy a cyclical business when the PE Ratio (TTM) is low. A better ratio to identify the time to buy a cyclical businesses is the PS Ratio .
PE Ratio (TTM) can also be affected by non-recurring-items such as the sale of part of businesses. This may increase for the current year or quarter dramatically. But it cannot be repeated over and over. Therefore PE Ratio without NRI is a more accurate indication of valuation than PE Ratio (TTM).
Citizens Bancshares PE Ratio (TTM) Related Terms
Citizens Bancshares PE Ratio (TTM) Historical Data
* Premium members only.
The historical data trend for Citizens Bancshares's PE Ratio (TTM) 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.
CZBS vs HARL, SFBC, CMHF: PE Ratio (TTM) Comparison
For the Banks - Regional subindustry, Citizens Bancshares's PE Ratio (TTM), along with its competitors' market caps and PE Ratio (TTM) 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 PE Ratio (TTM) vs Banks Industry
For the Banks industry and Financial Services sector, Citizens Bancshares's PE Ratio (TTM) distribution charts can be found below:
* The bar in red indicates where Citizens Bancshares's PE Ratio (TTM) falls into.
The PE Ratio (TTM), or Price-to-Earnings ratio, or P/E Ratio, is a financial ratio used to compare a company's market price to its Earnings per Share (Diluted). It is the most widely used ratio in the valuation of stocks.
Citizens Bancshares's Share Price of today is $55.00.
For company reported annually, GuruFocus uses latest annual data as the TTM data. Citizens Bancshares's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was $5.45.
* 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.
It can also be calculated from the numbers for the whole company:
There are at least three kinds of PE Ratio (TTM)s used by different investors. They are Trailing Twelve Month PE Ratio (TTM) or PE Ratio (TTM) (TTM), Forward PE Ratio, or PE Ratio without NRI. A new PE Ratio (TTM) based on inflation-adjusted normalized PE Ratio (TTM) is called Shiller PE Ratio, after Yale professor Robert Shiller.
In the calculation of PE Ratio (TTM), the earnings per share used are the earnings per share over the past 12 months. For Forward PE Ratio, the earnings are the expected earnings for the next twelve months. In the case of PE Ratio without NRI, the reported earnings less the non-recurring items are used.
For Shiller PE Ratio, the earnings of the past 10 years are inflation-adjusted and averaged. Since it looks at the average over the last 10 years, Shiller PE Ratio is also called PE10.
Citizens Bancshares (CZBS) has a PE Ratio (TTM) of 10.09 as of Jul. 07, 2026. Trailing 12-month P/E ratio is the ratio of share price to a company's trailing 12-month earnings per share. View historical data on Citizens Bancshares and its competitors. This is near median its historical median of 9.54. Over the past decade, Citizens Bancshares' PE Ratio (TTM) has ranged from 3.04 to 19.58. According to the industry distribution chart, Citizens Bancshares ranks #507 out of 1448 companies in the Banks industry, placing it in the top 35%.
Is Citizens Bancshares' PE Ratio (TTM) too high?
Citizens Bancshares' current PE Ratio (TTM) of 10.09 is near median its 10-year median of 9.54. Over the past 10 years, this metric has ranged from a low of 3.04 to a high of 19.58. The Banks industry median PE Ratio (TTM) is 11.78. Citizens Bancshares' value of 10.09 is 14.3% below this industry median. Based on the distribution chart, Citizens Bancshares ranks #507 out of 1448 companies in the Banks industry, which is above the industry midpoint. Overall, Citizens Bancshares has a GF Score™ of 77/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Citizens Bancshares' PE Ratio (TTM) compare to HARL and SFBC?
According to the Banks industry distribution chart, Citizens Bancshares ranks #507 out of 1448 companies for PE Ratio (TTM). This puts Citizens Bancshares in the upper half of its industry. The industry median PE Ratio (TTM) is 11.78. Citizens Bancshares' value of 10.09 is 14.3% below this benchmark. Historically, Citizens Bancshares' own PE Ratio (TTM) has ranged from 3.04 to 19.58 over the past decade. While the company's 10-year median is 9.54 vs. the industry median of 11.78, 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 PE Ratio (TTM) for a Banks company?
The median PE Ratio (TTM) among Banks companies is 11.78, based on 1,448 companies in the industry. Companies in the top quartile (top 25%) have a PE Ratio (TTM) significantly above this median, while those in the bottom quartile fall well below. However, PE Ratio (TTM) should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Citizens Bancshares's current PE Ratio (TTM) of 10.09 is 14.3% 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 PE Ratio (TTM) mean?
A high PE Ratio (TTM) can signal that a stock is expensive relative to its fundamentals. Trailing 12-month P/E ratio is the ratio of share price to a company's trailing 12-month earnings per share. View historical data on Citizens Bancshares and its competitors. For the Banks industry, the median PE Ratio (TTM) is 11.78 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Citizens Bancshares's current PE Ratio (TTM) is 10.09, which is near median its own 10-year median of 9.54. 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 $55.25, compared to a current price of $55.00 — trading 0.5% below its estimated fair value. The current PE Ratio (TTM) is 10.09, which is near median its 10-year median of 9.54 and 14.3% below the Banks industry median of 11.78. Citizens Bancshares' overall GF Score™ is 77/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PE Ratio (TTM) calculated?
PE Ratio (TTM) is calculated from a company's financial statements. For Citizens Bancshares (CZBS), the current PE Ratio (TTM) is 10.09 as of Jul. 07, 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 $55.00 is trading 0.5% below its estimated GF Value™ of $55.25.
GuruFocus considers Citizens Bancshares to be Fairly Valued.
Key valuation signals for CZBS:
PE Ratio (TTM): 10.09 (near median its 10-year median of 9.54)
GF Value™: $55.25 vs. price of $55.00 (0.5% below fair value)
Industry Position: 14.3% below the Banks median (#507 of 1448)
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.
77GF Score
Get the complete analysis for CZBS
PE Ratio (TTM) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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