Citizens BancsharesCZBS +0.94%78 ROE % is 11.85% as of Dec. 2025, which is 23% above its 10-year median of 9.66. GuruFocus rates CZBS with a GF Score™ of 78/100 and a GF Value™ of $55.06 (Fairly Valued). The stock has 3 warning signs investors should review. Among 1,524 Banks companies, Citizens Bancshares ranks better than 61.81% on this metric.
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is one times the annual (Dec. 2025) net income data. The Revenue data used here is one times the annual (Dec. 2025) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % 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 ROE %s can be extremely high.
Citizens Bancshares ROE % Related Terms
Citizens Bancshares ROE % Historical Data
* Premium members only.
The historical data trend for Citizens Bancshares's ROE % 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.
For the Banks - Regional subindustry, Citizens Bancshares's ROE %, along with its competitors' market caps and ROE % 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 % vs Banks Industry
For the Banks industry and Financial Services sector, Citizens Bancshares's ROE % distribution charts can be found below:
* The bar in red indicates where Citizens Bancshares's ROE % 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 ROE %, the net income of the last fiscal year and the average total shareholder 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.
ROE % is displayed in the 30-year financial page.
Citizens Bancshares (CZBS) has a ROE % of 11.85% as of Dec. 2025. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Citizens Bancshares and its competitors. This is 23% above median its historical median of 9.66. Over the past decade, Citizens Bancshares' ROE % has ranged from 2.83 to 15.54. According to the industry distribution chart, Citizens Bancshares ranks #582 out of 1524 companies in the Banks industry, placing it in the top 38.2%.
Is Citizens Bancshares' ROE % too high?
Citizens Bancshares' current ROE % of 11.85% is 23% above median its 10-year median of 9.66. Over the past 10 years, this metric has ranged from a low of 2.83 to a high of 15.54. The Banks industry median ROE % is 10.22. Citizens Bancshares' value of 11.85% is 15.9% above this industry median. Based on the distribution chart, Citizens Bancshares ranks #582 out of 1524 companies in the Banks industry, which is above 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' ROE % compare to CMHF and UBOH?
According to the Banks industry distribution chart, Citizens Bancshares ranks #582 out of 1524 companies for ROE %. This puts Citizens Bancshares in the upper half of its industry. The industry median ROE % is 10.22. Citizens Bancshares' value of 11.85% is 15.9% above this benchmark. Historically, Citizens Bancshares' own ROE % has ranged from 2.83 to 15.54 over the past decade. While the company's 10-year median is 9.66 vs. the industry median of 10.22, 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 ROE % for a Banks company?
The median ROE % among Banks companies is 10.22, based on 1,524 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Citizens Bancshares's current ROE % of 11.85% is 15.9% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Citizens Bancshares and its competitors. For the Banks industry, the median ROE % is 10.22 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Citizens Bancshares's current ROE % is 11.85%, which is 23% above median its own 10-year median of 9.66. 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 $55.06, compared to a current price of $53.60 — trading 2.7% below its estimated fair value. The current ROE % is 11.85%, which is 23% above median its 10-year median of 9.66 and 15.9% above the Banks industry median of 10.22. 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 % calculated?
ROE % is calculated from a company's financial statements. For Citizens Bancshares (CZBS), the current ROE % is 11.85% 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 2.7% below its estimated GF Value™ of $55.06.
GuruFocus considers Citizens Bancshares to be Fairly Valued.
Key valuation signals for CZBS:
ROE %: 11.85% (23% above median its 10-year median of 9.66)
GF Value™: $55.06 vs. price of $53.60 (2.7% below fair value)
Industry Position: 15.9% above the Banks median (#582 of 1524)
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
Get the complete analysis for CZBS
ROE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
CZBS has been successfully added to your 
