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Selling, general, & admin. expense (SGA) includes the direct and indirect costs and all general and administrative expenses of a company. Citizens Bancshares's selling, general, & admin. expense for the
six
months ended in Dec. 2025 was $0.00 Mil.
Its selling, general, & admin. expense for the trailing twelve months (TTM) ended in Dec. 2025 was $0.00 Mil.
Citizens Bancshares (OTCPK:CITZ) Selling, General, & Admin. Expense Explanation
An efficient operation keeps SGA costs low and thus has higher profit margin. The percentage of SGA relative to total revenue is an indication of how efficiently the company operates. Compare this percentage among the companies in the same industry is a good way of finding more efficient operations. A comparison of the SGA cost relative to the revenue with the historical value can also be an indication of how efficient the company has become.
Warren Buffett likes companies with consistent SGA as the percentage of gross profit.
Companies with no durable competitive advantage show wild variation in SG&A as % of Gross Profit.
If SGA is less than 30% of Gross Profit, it is fantastic. If SGA is nearing 100%, it is is in highly competitive industry.
Citizens Bancshares Selling, General, & Admin. Expense Related Terms
Citizens Bancshares Selling, General, & Admin. Expense Historical Data
* Premium members only.
The historical data trend for Citizens Bancshares's Selling, General, & Admin. Expense 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 Selling, General, & Admin. Expense Chart
CITZ vs MGYR, JDVB, CNBP: Selling, General, & Admin. Expense Comparison
For the Banks - Regional subindustry, Citizens Bancshares's Selling, General, & Admin. Expense, along with its competitors' market caps and Selling, General, & Admin. Expense 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 Selling, General, & Admin. Expense vs Banks Industry
For the Banks industry and Financial Services sector, Citizens Bancshares's Selling, General, & Admin. Expense distribution charts can be found below:
* The bar in red indicates where Citizens Bancshares's Selling, General, & Admin. Expense falls into.
Citizens Bancshares Selling, General, & Admin. Expense Calculation
Selling, General, & Admin. Expense (SGA) includes the direct and indirect costs and all general and administrative expenses of a company. For instance, personnel cost, advertising, rent, communication costs are all part of SGA.
For stock reported annually, GuruFocus uses latest annual data as the TTM data. Selling, General, & Admin. Expense for the trailing twelve months (TTM) ended in Dec. 2025 was $0.00 Mil.
* 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 Selling, General, & Admin. Expense of $0.00 Mil mean?
Citizens Bancshares (CITZ) has a Selling, General, & Admin. Expense of $0.00 Mil as of Dec. 2025. Selling, general and admin expense is the total cost for direct, indirect, general and administrative activities. View historical data on Citizens Bancshares and its competitors.
Is Citizens Bancshares' Selling, General, & Admin. Expense too high?
Citizens Bancshares' current Selling, General, & Admin. Expense is $0.00 Mil. Overall, Citizens Bancshares has a GF Score™ of 73/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Citizens Bancshares' Selling, General, & Admin. Expense compare to MGYR and JDVB?
Citizens Bancshares' Selling, General, & Admin. Expense of $0.00 Mil 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 Selling, General, & Admin. Expense for a Banks company?
A good Selling, General, & Admin. Expense depends on the Banks industry context. However, Selling, General, & Admin. Expense 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 Selling, General, & Admin. Expense mean?
A high Selling, General, & Admin. Expense can signal that a stock is expensive relative to its fundamentals. Selling, general and admin expense is the total cost for direct, indirect, general and administrative activities. View historical data on Citizens Bancshares and its competitors. Citizens Bancshares's current Selling, General, & Admin. Expense is $0.00 Mil. 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 (CITZ) is currently considered Modestly Undervalued. The stock's GF Value™ is $52.02, compared to a current price of $44.00 — trading 15.4% below its estimated fair value. The current Selling, General, & Admin. Expense is $0.00 Mil. Citizens Bancshares' overall GF Score™ is 73/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Selling, General, & Admin. Expense calculated?
Selling, General, & Admin. Expense is calculated from a company's financial statements. For Citizens Bancshares (CITZ), the current Selling, General, & Admin. Expense is $0.00 Mil 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 (CITZ) Overvalued in 2026?
Based on GuruFocus' analysis, Citizens Bancshares stock appears to be undervalued.
The current stock price of $44.00 is trading 15.4% below its estimated GF Value™ of $52.02.
GuruFocus considers Citizens Bancshares to be Modestly Undervalued.
Key valuation signals for CITZ:
Selling, General, & Admin. Expense: $0.00 Mil
GF Value™: $52.02 vs. price of $44.00 (15.4% below fair value)
No single metric tells the full story. See the CITZ 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.
73GF Score
Get the complete analysis for CITZ
Selling, General, & Admin. Expense is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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