CZBS (Citizens Bancshares) Total Stockholders Equity: $101.13 Mil (As of Dec. 2025)

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CZBS Citizens Bancshares Corp CZBS
69 GF Score
Price $63.48
GF Value $56.08
Valuation Modestly Overvalued
! 5 Warning Signs
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What is Citizens Bancshares Total Stockholders Equity?

Citizens Bancshares CZBS +2.12% 69 Total Stockholders Equity is $101.13 Mil as of Dec. 2025. GuruFocus rates CZBS with a GF Score™ of 69/100 and a GF Value™ of $56.08 (Modestly Overvalued). The stock has 5 warning signs investors should review.

Citizens Bancshares's Total Stockholders Equity for the quarter that ended in Dec. 2025 was $101.13 Mil. It refers to the net assets owned by shareholders. It does not include minority interest.

Total Stockholders Equity is used to calculate Book Value per Share. Citizens Bancshares's Book Value per Share for the quarter that ended in Dec. 2025 was $51.83. The ratio of a company's debt over equity can be used to measure how leveraged this company is. Citizens Bancshares's Debt-to-Equity for the quarter that ended in Dec. 2025 was 0.25.

Citizens Bancshares  (OTCPK:CZBS) Total Stockholders Equity Explanation

1. Total Stockholders Equity is used to calculate Book Value per Share.

Citizens Bancshares's Book Value per Share for the quarter that ended in Dec. 2025 is

Book Value per Share=(Total Stockholders Equity-Preferred Stock)/Shares Outstanding (EOP)
=(101.128-0)/1.951
=51.83

2. The ratio of a company's debt over equity can be used to measure how leveraged this company is.

Citizens Bancshares's Debt-to-Equity for the quarter that ended in Dec. 2025 is

Debt-to-Equity=Total Debt / Total Stockholders Equity
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Total Stockholders Equity
=(0 + 25.023) / 101.128
=0.25

* 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 Total Stockholders Equity Related Terms

Citizens Bancshares Total Stockholders Equity Historical Data

* Premium members only.

The historical data trend for Citizens Bancshares's Total Stockholders Equity 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 Total Stockholders Equity Chart

Citizens Bancshares Annual Data
Trend Dec13 Dec14 Dec15 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Total Stockholders Equity
Get a 7-Day Free Trial Premium Member Only Premium Member Only 72.47 66.53 77.23 84.92 101.13

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
Total Stockholders Equity 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 72.47 66.53 77.23 84.92 101.13
CZBS
69GF Score
Citizens Bancshares Corp CZBS
Total Stockholders Equity is just one metric. See GF Score™, valuation, warning signs, and more.
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What does a Total Stockholders Equity of $101.13 Mil mean?
Citizens Bancshares (CZBS) has a Total Stockholders Equity of $101.13 Mil as of Dec. 2025. The total amount of shareholder's equity as recorded on a company's balance sheet. View historical data for Citizens Bancshares and its competitors.
Is Citizens Bancshares' Total Stockholders Equity too high?
Citizens Bancshares' current Total Stockholders Equity is $101.13 Mil. Overall, Citizens Bancshares has a GF Score™ of 69/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Citizens Bancshares' Total Stockholders Equity compare to MGYR and JDVB?
Citizens Bancshares' Total Stockholders Equity of $101.13 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 Total Stockholders Equity for a Banks company?
A good Total Stockholders Equity depends on the Banks industry context. However, Total Stockholders Equity 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 Total Stockholders Equity mean?
A high Total Stockholders Equity can signal that a stock is expensive relative to its fundamentals. The total amount of shareholder's equity as recorded on a company's balance sheet. View historical data for Citizens Bancshares and its competitors. Citizens Bancshares's current Total Stockholders Equity is $101.13 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 Modestly Overvalued. The stock's GF Value™ is $56.08, compared to a current price of $63.48 — trading 13.2% above its estimated fair value. The current Total Stockholders Equity is $101.13 Mil. Citizens Bancshares' overall GF Score™ is 69/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Total Stockholders Equity calculated?
Total Stockholders Equity is calculated from a company's financial statements. For Citizens Bancshares (CZBS), the current Total Stockholders Equity is $101.13 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 $63.48 is trading 13.2% above its estimated GF Value™ of $56.08. GuruFocus considers Citizens Bancshares to be Modestly Overvalued.

Key valuation signals for CZBS:

  • Total Stockholders Equity: $101.13 Mil
  • GF Value™: $56.08 vs. price of $63.48 (13.2% above fair value)
  • GF Score™: 69/100 with 5 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.
69GF Score

Get the complete analysis for CZBS

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

$63.48
Price
$56.08
GF Value