Citizens BancsharesCZBS +0.75%78 Pretax Margin % is 28.12% as of Dec. 2025, which is 6% above its 10-year median of 26.60. 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 1,530 Banks companies, Citizens Bancshares ranks worse than 68.17% on this metric.
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
Citizens Bancshares Pretax Margin % Related Terms
Citizens Bancshares Pretax Margin % Historical Data
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The historical data trend for Citizens Bancshares's Pretax 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.
CZBS vs HARL, SFBC, CMHF: Pretax Margin % Comparison
For the Banks - Regional subindustry, Citizens Bancshares's Pretax Margin %, along with its competitors' market caps and Pretax 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 Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Citizens Bancshares's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Citizens Bancshares's Pretax 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 Pretax Margin % of 28.12% as of Dec. 2025. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Citizens Bancshares and its competitors. This is near median its historical median of 26.60. Over the past decade, Citizens Bancshares' Pretax Margin % has ranged from 6.91 to 32.34. According to the industry distribution chart, Citizens Bancshares ranks #1043 out of 1530 companies in the Banks industry, placing it in the top 68.2%.
Is Citizens Bancshares' Pretax Margin % too high?
Citizens Bancshares' current Pretax Margin % of 28.12% is near median its 10-year median of 26.60. Over the past 10 years, this metric has ranged from a low of 6.91 to a high of 32.34. The Banks industry median Pretax Margin % is 34.72. Citizens Bancshares' value of 28.12% is 19% below this industry median. Based on the distribution chart, Citizens Bancshares ranks #1043 out of 1530 companies in the Banks industry, which is below 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' Pretax Margin % compare to HARL and SFBC?
According to the Banks industry distribution chart, Citizens Bancshares ranks #1043 out of 1530 companies for Pretax Margin %. This places Citizens Bancshares in the lower half of its industry. The industry median Pretax Margin % is 34.72. Citizens Bancshares' value of 28.12% is 19% below this benchmark. Historically, Citizens Bancshares' own Pretax Margin % has ranged from 6.91 to 32.34 over the past decade. While the company's 10-year median is 26.60 vs. the industry median of 34.72, 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 Pretax Margin % for a Banks company?
The median Pretax Margin % among Banks companies is 34.72, based on 1,530 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Citizens Bancshares's current Pretax Margin % of 28.12% is 19% 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 Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Citizens Bancshares and its competitors. For the Banks industry, the median Pretax Margin % is 34.72 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Citizens Bancshares's current Pretax Margin % is 28.12%, which is near median its own 10-year median of 26.60. 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 Pretax Margin % is 28.12%, which is near median its 10-year median of 26.60 and 19% below the Banks industry median of 34.72. 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 Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For Citizens Bancshares (CZBS), the current Pretax Margin % is 28.12% 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 2.3% below its estimated GF Value™ of $55.08.
GuruFocus considers Citizens Bancshares to be Fairly Valued.
Key valuation signals for CZBS:
Pretax Margin %: 28.12% (near median its 10-year median of 26.60)
GF Value™: $55.08 vs. price of $53.80 (2.3% below fair value)
Industry Position: 19% below the Banks median (#1043 of 1530)
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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