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


CZBS Citizens Bancshares Corp CZBS
78 GF Score
Price $53.60
GF Value $55.04
Valuation Fairly Valued
! 3 Warning Signs
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What is Citizens Bancshares ROC %?

Citizens Bancshares CZBS +0.94% 78 ROC % is % as of Dec. 2025. GuruFocus rates CZBS with a GF Score™ of 78/100 and a GF Value™ of $55.04 (Fairly Valued). The stock has 3 warning signs investors should review.

ROC %does not apply to banks.

CZBS
78GF Score
Citizens Bancshares Corp CZBS
ROC % is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about ROC % →
What does a ROC % of % mean?
Citizens Bancshares (CZBS) has a ROC % of % as of Dec. 2025. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on Citizens Bancshares and its competitors.
Is Citizens Bancshares' ROC % too high?
Citizens Bancshares' current ROC % is %. 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' ROC % compare to CMHF and UBOH?
Citizens Bancshares' ROC % of % can be compared against companies in the Banks industry. The industry median ROC % is 1.98. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC % for a Banks company?
The median ROC % among Banks companies is 1.98, based on 48 companies in the industry. Companies in the top quartile (top 25%) have a ROC % significantly above this median, while those in the bottom quartile fall well below. However, ROC % 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 % mean?
A high ROC % can signal that a stock is expensive relative to its fundamentals. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on Citizens Bancshares and its competitors. For the Banks industry, the median ROC % is 1.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Citizens Bancshares's current ROC % 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 $55.04, compared to a current price of $53.60 — trading 2.6% below its estimated fair value. The current ROC % is %. 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 ROC % calculated?
ROC % is calculated from a company's financial statements. For Citizens Bancshares (CZBS), the current ROC % 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 undervalued. The current stock price of $53.60 is trading 2.6% below its estimated GF Value™ of $55.04. GuruFocus considers Citizens Bancshares to be Fairly Valued.

Key valuation signals for CZBS:

  • ROC %: %
  • GF Value™: $55.04 vs. price of $53.60 (2.6% below fair value)
  • GF Score™: 78/100 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.
78GF Score

Get the complete analysis for CZBS

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

$53.60
Price
$55.04
GF Value