CZBS (Citizens Bancshares) SpecialCharges: $0.34 Mil (TTM As of Dec. 2025)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

CZBS Citizens Bancshares Corp CZBS
77 GF Score
Price $56.10
GF Value $55.41
Valuation Fairly Valued
! 3 Warning Signs
View Full Analysis

What is Citizens Bancshares SpecialCharges?

Citizens Bancshares CZBS 77 SpecialCharges is $0.34 Mil 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.

Citizens Bancshares's special charges for the six months ended in Dec. 2025 was $0.34 Mil. Its special charges for the trailing twelve months (TTM) ended in Dec. 2025 was $0.34 Mil.

Citizens Bancshares SpecialCharges Historical Data

* Premium members only.

The historical data trend for Citizens Bancshares's SpecialCharges 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 SpecialCharges Chart

Citizens Bancshares Annual Data
Trend Dec13 Dec14 Dec15 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
SpecialCharges
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.10 2.59 0.05 0.00 0.34

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
SpecialCharges 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 0.10 2.59 0.05 0.00 0.34
CZBS
77GF Score
Citizens Bancshares Corp CZBS
SpecialCharges is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Citizens Bancshares SpecialCharges Calculation

It is nonrecurring losses or expenses resulting from transactions or events which, in the view of management, are not representative of normal business activities of the period and which affect comparability of earnings.

For stock reported annually, GuruFocus uses latest annual data as the TTM data. SpecialCharges for the trailing twelve months (TTM) ended in Dec. 2025 was $0.34 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.

Frequently Asked Questions Learn more about SpecialCharges →
What does a SpecialCharges of $0.34 Mil mean?
Citizens Bancshares (CZBS) has a SpecialCharges of $0.34 Mil as of Dec. 2025. Special charges are one-time, non-recurring charges a bank records on its income statement. View historical data on Citizens Bancshares and its competitors.
Is Citizens Bancshares' SpecialCharges too high?
Citizens Bancshares' current SpecialCharges is $0.34 Mil. 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' SpecialCharges compare to HARL and SFBC?
Citizens Bancshares' SpecialCharges of $0.34 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 SpecialCharges for a Banks company?
A good SpecialCharges depends on the Banks industry context. However, SpecialCharges 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 SpecialCharges mean?
A high SpecialCharges can signal that a stock is expensive relative to its fundamentals. Special charges are one-time, non-recurring charges a bank records on its income statement. View historical data on Citizens Bancshares and its competitors. Citizens Bancshares's current SpecialCharges is $0.34 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 (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 SpecialCharges is $0.34 Mil. 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 SpecialCharges calculated?
SpecialCharges is calculated from a company's financial statements. For Citizens Bancshares (CZBS), the current SpecialCharges is $0.34 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 (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:

  • SpecialCharges: $0.34 Mil
  • 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

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

$56.10
Price
$55.41
GF Value