CZBS (Citizens Bancshares) ROC (Joel Greenblatt) %: % (As of Dec. 2025)

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CZBS Citizens Bancshares Corp CZBS
77 GF Score
Price $56.10
GF Value $55.41
Valuation Fairly Valued
! 3 Warning Signs
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What is Citizens Bancshares ROC (Joel Greenblatt) %?

Citizens Bancshares CZBS +0.45% 77 ROC (Joel Greenblatt) % is % as of Dec. 2025. GuruFocus rates CZBS with a GF Score™ of 77/100 and a GF Value™ of $55.41 (Fairly Valued). The stock has 3 warning signs investors should review. Among 46 Banks companies, Citizens Bancshares ranks worse than 2173910.87% on this metric.

ROC (Joel Greenblatt) % does not apply to banks and insurance companies.

CZBS
77GF Score
Citizens Bancshares Corp CZBS
ROC (Joel Greenblatt) % is just one metric. See GF Score™, valuation, warning signs, and more.
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What does a ROC (Joel Greenblatt) % of % mean?
Citizens Bancshares (CZBS) has a ROC (Joel Greenblatt) % of % as of Dec. 2025. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on Citizens Bancshares and its competitors. According to the industry distribution chart, Citizens Bancshares ranks #999999 out of 46 companies in the Banks industry.
Is Citizens Bancshares' ROC (Joel Greenblatt) % too high?
Citizens Bancshares' current ROC (Joel Greenblatt) % is %. Based on the distribution chart, Citizens Bancshares ranks #999999 out of 46 companies in the Banks industry, which is in the bottom quartile 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' ROC (Joel Greenblatt) % compare to HARL and SFBC?
According to the Banks industry distribution chart, Citizens Bancshares ranks #999999 out of 46 companies for ROC (Joel Greenblatt) %. This places Citizens Bancshares in the lower half of its industry. The industry median ROC (Joel Greenblatt) % is 63.39. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC (Joel Greenblatt) % for a Banks company?
The median ROC (Joel Greenblatt) % among Banks companies is 63.39, based on 46 companies in the industry. Companies in the top quartile (top 25%) have a ROC (Joel Greenblatt) % significantly above this median, while those in the bottom quartile fall well below. However, ROC (Joel Greenblatt) % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high ROC (Joel Greenblatt) % mean?
A high ROC (Joel Greenblatt) % can signal that a stock is expensive relative to its fundamentals. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on Citizens Bancshares and its competitors. For the Banks industry, the median ROC (Joel Greenblatt) % is 63.39 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Citizens Bancshares's current ROC (Joel Greenblatt) % is %. 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 $55.41, compared to a current price of $56.10 — trading 1.2% above its estimated fair value. The current ROC (Joel Greenblatt) % is %. 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 ROC (Joel Greenblatt) % calculated?
ROC (Joel Greenblatt) % is calculated from a company's financial statements. For Citizens Bancshares (CZBS), the current ROC (Joel Greenblatt) % is % 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 overvalued. The current stock price of $56.10 is trading 1.2% above its estimated GF Value™ of $55.41. GuruFocus considers Citizens Bancshares to be Fairly Valued.

Key valuation signals for CZBS:

  • ROC (Joel Greenblatt) %: %
  • GF Value™: $55.41 vs. price of $56.10 (1.2% above fair value)
  • GF Score™: 77/100 with 3 warning signs

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.
77GF Score

Get the complete analysis for CZBS

ROC (Joel Greenblatt) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$56.10
Price
$55.41
GF Value