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Citizens BancsharesCZBS +5.93%77 5-Year Yield-on-Cost % is 7.12 as of Jul. 23, 2026, which is 29% above its 10-year median of 5.52. GuruFocus rates CZBS with a GF Score™ of 77/100 and a GF Value™ of $55.50 (Fairly Valued). The stock has 3 warning signs investors should review. Among 1,251 Banks companies, Citizens Bancshares ranks better than 78.5% on this metric.
Citizens Bancshares's yield on cost for the quarter that ended in Dec. 2025 was 7.12.
The historical rank and industry rank for Citizens Bancshares's 5-Year Yield-on-Cost % or its related term are showing as below:
CZBS'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 2.06 Med: 5.52 Max: 13.91
Current: 7.12
During the past 13 years, Citizens Bancshares's highest Yield on Cost was 13.91. The lowest was 2.06. And the median was 5.52.
CZBS's 5-Year Yield-on-Cost % is ranked better than 78.5% of 1251
companies
in the Banks industry
Industry Median: 3.9
vs CZBS: 7.12
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
Citizens Bancshares 5-Year Yield-on-Cost % Related Terms
CZBS vs HARL, SFBC, CMHF: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, Citizens Bancshares's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, Citizens Bancshares's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Citizens Bancshares's 5-Year Yield-on-Cost % falls into.
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Citizens Bancshares (CZBS) has a 5-Year Yield-on-Cost % of 7.12 as of Jul. 23, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Citizens Bancshares and its competitors. This is 29% above median its historical median of 5.52. Over the past decade, Citizens Bancshares' 5-Year Yield-on-Cost % has ranged from 2.06 to 13.91. According to the industry distribution chart, Citizens Bancshares ranks #269 out of 1251 companies in the Banks industry, placing it in the top 21.5%.
Is Citizens Bancshares' 5-Year Yield-on-Cost % too high?
Citizens Bancshares' current 5-Year Yield-on-Cost % of 7.12 is 29% above median its 10-year median of 5.52. Over the past 10 years, this metric has ranged from a low of 2.06 to a high of 13.91. The Banks industry median 5-Year Yield-on-Cost % is 3.90. Citizens Bancshares' value of 7.12 is 82.6% above this industry median. Based on the distribution chart, Citizens Bancshares ranks #269 out of 1251 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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' 5-Year Yield-on-Cost % compare to HARL and SFBC?
According to the Banks industry distribution chart, Citizens Bancshares ranks #269 out of 1251 companies for 5-Year Yield-on-Cost %. This places Citizens Bancshares in the top 22% of its industry — outperforming the majority of peers. The industry median 5-Year Yield-on-Cost % is 3.90. Citizens Bancshares' value of 7.12 is 82.6% above this benchmark. Historically, Citizens Bancshares' own 5-Year Yield-on-Cost % has ranged from 2.06 to 13.91 over the past decade. While the company's 10-year median is 5.52 vs. the industry median of 3.90, 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 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.90, based on 1,251 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Citizens Bancshares's current 5-Year Yield-on-Cost % of 7.12 is 82.6% 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Citizens Bancshares and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.90 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Citizens Bancshares's current 5-Year Yield-on-Cost % is 7.12, which is 29% above median its own 10-year median of 5.52. 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 $55.50, compared to a current price of $60.00 — trading 8.1% above its estimated fair value. The current 5-Year Yield-on-Cost % is 7.12, which is 29% above median its 10-year median of 5.52 and 82.6% above the Banks industry median of 3.90. 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 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For Citizens Bancshares (CZBS), the current 5-Year Yield-on-Cost % is 7.12 as of Jul. 23, 2026. 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 $60.00 is trading 8.1% above its estimated GF Value™ of $55.50.
GuruFocus considers Citizens Bancshares to be Fairly Valued.
Key valuation signals for CZBS:
5-Year Yield-on-Cost %: 7.12 (29% above median its 10-year median of 5.52)
GF Value™: $55.50 vs. price of $60.00 (8.1% above fair value)
Industry Position: 82.6% above the Banks median (#269 of 1251)
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.
77GF Score
Get the complete analysis for CZBS
5-Year Yield-on-Cost % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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