CZBS (Citizens Bancshares) ROE % Adjusted to Book Value: 13.62% (As of Dec. 2025)


CZBS Citizens Bancshares Corp CZBS
78 GF Score
Price $53.80
GF Value $55.15
Valuation Fairly Valued
! 3 Warning Signs
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What is Citizens Bancshares ROE % Adjusted to Book Value?

Citizens Bancshares CZBS +0.75% 78 ROE % Adjusted to Book Value is 13.62% as of Dec. 2025. GuruFocus rates CZBS with a GF Score™ of 78/100 and a GF Value™ of $55.15 (Fairly Valued). The stock has 3 warning signs investors should review.

Citizens Bancshares's ROE % for the quarter that ended in Dec. 2025 was 11.85%. Citizens Bancshares's PB Ratio for the quarter that ended in Dec. 2025 was 0.87. Citizens Bancshares's ROE % Adjusted to Book Value for the quarter that ended in Dec. 2025 was 13.62%.

Citizens Bancshares ROE % Adjusted to Book Value Related Terms

Citizens Bancshares ROE % Adjusted to Book Value Historical Data

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The historical data trend for Citizens Bancshares's ROE % Adjusted to Book Value 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.

Citizens Bancshares ROE % Adjusted to Book Value Chart

Citizens Bancshares Annual Data
Trend Dec13 Dec14 Dec15 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
ROE % Adjusted to Book Value
Get a 7-Day Free Trial Premium Member Only Premium Member Only 33.14 13.06 15.54 10.72 13.62

Citizens Bancshares Semi-Annual Data
Dec03 Dec04 Dec05 Dec06 Dec07 Dec08 Dec09 Dec10 Dec11 Dec12 Dec13 Dec14 Dec15 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
ROE % Adjusted to Book Value Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 33.14 13.06 15.54 10.72 13.62

CZBS vs HARL, SFBC, CMHF: ROE % Adjusted to Book Value Comparison

For the Banks - Regional subindustry, Citizens Bancshares's ROE % Adjusted to Book Value, along with its competitors' market caps and ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value vs Banks Industry

For the Banks industry and Financial Services sector, Citizens Bancshares's ROE % Adjusted to Book Value distribution charts can be found below:

* The bar in red indicates where Citizens Bancshares's ROE % Adjusted to Book Value falls into.


CZBS
78GF Score
Citizens Bancshares Corp CZBS
ROE % Adjusted to Book Value is just one metric. See GF Score™, valuation, warning signs, and more.
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Citizens Bancshares ROE % Adjusted to Book Value Calculation

Citizens Bancshares's ROE % Adjusted to Book Value for the fiscal year that ended in Dec. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=11.85% / 0.87
=13.62%

Citizens Bancshares's ROE % Adjusted to Book Value for the quarter that ended in Dec. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=11.85% / 0.87
=13.62%

* 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.

What does a ROE % Adjusted to Book Value of 13.62% mean?
Citizens Bancshares (CZBS) has a ROE % Adjusted to Book Value of 13.62% as of Dec. 2025. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Citizens Bancshares and its competitors.
Is Citizens Bancshares' ROE % Adjusted to Book Value too high?
Citizens Bancshares' current ROE % Adjusted to Book Value is 13.62%. 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' ROE % Adjusted to Book Value compare to HARL and SFBC?
Citizens Bancshares' ROE % Adjusted to Book Value of 13.62% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROE % Adjusted to Book Value for a Banks company?
A good ROE % Adjusted to Book Value depends on the Banks industry context. However, ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value mean?
A high ROE % Adjusted to Book Value can signal that a stock is expensive relative to its fundamentals. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Citizens Bancshares and its competitors. Citizens Bancshares's current ROE % Adjusted to Book Value is 13.62%. 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 $55.15, compared to a current price of $53.80 — trading 2.4% below its estimated fair value. The current ROE % Adjusted to Book Value is 13.62%. 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 ROE % Adjusted to Book Value calculated?
ROE % Adjusted to Book Value is calculated from a company's financial statements. For Citizens Bancshares (CZBS), the current ROE % Adjusted to Book Value is 13.62% 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 2.4% below its estimated GF Value™ of $55.15. GuruFocus considers Citizens Bancshares to be Fairly Valued.

Key valuation signals for CZBS:

  • ROE % Adjusted to Book Value: 13.62%
  • GF Value™: $55.15 vs. price of $53.80 (2.4% 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

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

$53.80
Price
$55.15
GF Value