What is the fair value of Citizens Bancshares Corp (OTC-CZBS) stock?

The current fair value estimate for Citizens Bancshares Corp (OTC-CZBS) is $52.90. This implies an estimated downside of 19.0% versus the current market price.

Is Citizens Bancshares Corp (OTC-CZBS) undervalued or overvalued?

Based on the current fair value estimate, the stock appears overvalued, with estimated downside of 19.0% versus the current market price.

How is the financial health of Citizens Bancshares Corp?

The current financial health read for Citizens Bancshares Corp (OTC-CZBS) is Good. This should be reviewed alongside valuation, profitability, debt and cash-flow quality metrics.

Does Citizens Bancshares Corp (OTC-CZBS) pay dividends?

Based on the current data, dividend yield is 1.8%.

What is the P/E ratio for Citizens Bancshares Corp (OTC-CZBS)?

The current P/E ratio listed for Citizens Bancshares Corp (OTC-CZBS) is 13.5x. Use it together with growth, margins and sector comparisons rather than as a standalone valuation signal.

What is the market capitalization of Citizens Bancshares Corp?

The current market capitalization listed for Citizens Bancshares Corp is 114 M.

What is the ticker symbol for Citizens Bancshares Corp?

The ticker symbol for Citizens Bancshares Corp is OTC-CZBS, and the stock is listed on OTC Markets.

Where is Citizens Bancshares Corp (OTC-CZBS) listed?

Citizens Bancshares Corp (OTC-CZBS) is listed on OTC Markets.

What is the debt-to-total-capital ratio for Citizens Bancshares Corp?

The current debt-to-total-capital ratio listed for Citizens Bancshares Corp is 0.0%, which helps investors evaluate the company’s financing structure and leverage profile.

Citizens Bancshares Corp (CZBS) Fair Value & Stock Analysis |...

Citizens Bancshares Corp (CZBS)

Citizens Bancshares Corp is the holding company for Citizens Trust Bank, a banking organization that serves individual and corporate customers. Through its bank subsidiary, the company provides a range of deposit products, including checking, savings, demand deposits, and money market accounts, along with certificate of deposit registry services and investment accounts. Its lending activities cover commercial, financial, and agricultural loans, as well as consumer lending secured by vehicles and other titled assets and unsecured consumer debt. The portfolio also includes commercial real estate, single-family residential, and construction and development loans. Additional services include merchant processing, cash management, credit cards, online and mobile banking, and check reorder services. The company was founded in 1921 and is based in Atlanta, Georgia.

Stock Summary Fair Value Profitability & Growth Quality & Risk Events & Dividends Market Outlook FAQ

Jump directly to the stock analysis sections supported by the latest available data.

Data update note: Fair value and stock analysis metrics are updated after regular market sessions when new data becomes available.

Ticker	Fair Value	Fair Value Upside/Downside	Fair Value Rating	Analyst Price Target	Analyst Target Upside/Downside	Overall Financial Health	Dividend Yield	P/E Ratio	Price-to-Sales Ratio	Market Cap	Total Debt / Total Capital	Payout Ratio	Free Cash Flow / Net Income
OTC-CZBS	$52.90	-19.0% Downside	Overvalued	Not available	Not available	Good	1.8%	13.5x	3.3x	114 M	0.0%	39.4%	137.2%