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Market Performance
Stock returned +10.0% over the past year, broadly in line with market conditions.What is Citizens Bancshares Corp?
Citizens Bancshares Corporation operates as the holding company for Citizens Trust Bank that provides various commercial banking services to individual and corporate customers.
CZBS · Verdict
Solid reward · moderate risk
CZBS stands out on volatility and profitability, but watch the balance sheet signal.
Based on 88% data coverage
CZBS · Verdict
What’s working & what to watch
Strengths 4
- Volatility80/100
Top decile vs peers
- Profitability78/100
18% net margin · 7% ROE
- Cash flow69/100
15% free-cash-flow margin
- Valuation65/100
Above average
Watchouts 1
- Balance sheet44/100
Interest covered 0.9×
Model-based scoring. For information only — not financial advice.
What is Citizens Bancshares Corp?
Citizens Bancshares Corporation operates as the holding company for Citizens Trust Bank that provides various commercial banking services to individual and corporate customers. The company offers checking and savings accounts; and demand and money market deposits. The company is listed on the PINK in USA, operating in the Financial Services sector, with a market capitalisation of 79.17M, and a P/E ratio of 8.1x.
Financial Highlights
Investment Breakdown
Analysis
Reward: Moderate (63)The scoring profile indicates moderate reward potential, with profitability and valuation as the leading contributors. Risk indicators are moderate, consistent with typical market exposure.
For informational purposes only. Not financial advice.