Citizens BancsharesCZBS 77 Return-on-Tangible-Equity is 15.87% as of Dec. 2025, which is 49% above its 10-year median of 10.67. GuruFocus rates CZBS with a GF Score™ of 77/100 and a GF Value™ of $55.26 (Fairly Valued). The stock has 3 warning signs investors should review. Among 1,522 Banks companies, Citizens Bancshares ranks better than 78.58% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Citizens Bancshares's annualized net income for the quarter that ended in Dec. 2025 was $11.02 Mil. Citizens Bancshares's average shareholder tangible equity for the quarter that ended in Dec. 2025 was $69.44 Mil. Therefore, Citizens Bancshares's annualized Return-on-Tangible-Equity for the quarter that ended in Dec. 2025 was 15.87%.
The historical rank and industry rank for Citizens Bancshares's Return-on-Tangible-Equity or its related term are showing as below:
CZBS'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 2.83 Med: 10.67 Max: 23.39
Current: 15.87
During the past 13 years, Citizens Bancshares's highest Return-on-Tangible-Equity was 23.39%. The lowest was 2.83%. And the median was 10.67%.
CZBS's Return-on-Tangible-Equity is ranked better than 78.58% of 1522
companies
in the Banks industry
Industry Median: 11.19
vs CZBS: 15.87
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Citizens Bancshares Return-on-Tangible-Equity Related Terms
Citizens Bancshares Return-on-Tangible-Equity Historical Data
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The historical data trend for Citizens Bancshares's Return-on-Tangible-Equity 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: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, Citizens Bancshares's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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 Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Citizens Bancshares's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Citizens Bancshares's Return-on-Tangible-Equity 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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is one times the annual (Dec. 2025) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 15.87% mean?
Citizens Bancshares (CZBS) has a Return-on-Tangible-Equity of 15.87% as of Dec. 2025. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Citizens Bancshares and its competitors. This is 49% above median its historical median of 10.67. Over the past decade, Citizens Bancshares' Return-on-Tangible-Equity has ranged from 2.83 to 23.39. According to the industry distribution chart, Citizens Bancshares ranks #326 out of 1522 companies in the Banks industry, placing it in the top 21.4%.
Is Citizens Bancshares' Return-on-Tangible-Equity too high?
Citizens Bancshares' current Return-on-Tangible-Equity of 15.87% is 49% above median its 10-year median of 10.67. Over the past 10 years, this metric has ranged from a low of 2.83 to a high of 23.39. The Banks industry median Return-on-Tangible-Equity is 11.19. Citizens Bancshares' value of 15.87% is 41.8% above this industry median. Based on the distribution chart, Citizens Bancshares ranks #326 out of 1522 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 77/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Citizens Bancshares' Return-on-Tangible-Equity compare to HARL and SFBC?
According to the Banks industry distribution chart, Citizens Bancshares ranks #326 out of 1522 companies for Return-on-Tangible-Equity. This places Citizens Bancshares in the top 21% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Equity is 11.19. Citizens Bancshares' value of 15.87% is 41.8% above this benchmark. Historically, Citizens Bancshares' own Return-on-Tangible-Equity has ranged from 2.83 to 23.39 over the past decade. While the company's 10-year median is 10.67 vs. the industry median of 11.19, 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 Return-on-Tangible-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.19, based on 1,522 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Citizens Bancshares's current Return-on-Tangible-Equity of 15.87% is 41.8% 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Citizens Bancshares and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.19 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Citizens Bancshares's current Return-on-Tangible-Equity is 15.87%, which is 49% above median its own 10-year median of 10.67. 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 $55.26, compared to a current price of $55.00 — trading 0.5% below its estimated fair value. The current Return-on-Tangible-Equity is 15.87%, which is 49% above median its 10-year median of 10.67 and 41.8% above the Banks industry median of 11.19. 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 Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Citizens Bancshares (CZBS), the current Return-on-Tangible-Equity is 15.87% 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 $55.00 is trading 0.5% below its estimated GF Value™ of $55.26.
GuruFocus considers Citizens Bancshares to be Fairly Valued.
Key valuation signals for CZBS:
Return-on-Tangible-Equity: 15.87% (49% above median its 10-year median of 10.67)
GF Value™: $55.26 vs. price of $55.00 (0.5% below fair value)
Industry Position: 41.8% above the Banks median (#326 of 1522)
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
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