Citizens Bancshares Corporation

Citizens Bancshares Corporationverified

CZBS

Price:

$53.45

Market Cap:

$96.26M

Citizens Bancshares Corporation functions as the parent company for Citizens Trust Bank, delivering a comprehensive suite of commercial banking solutions to both individual and business clients. The institution's financial offerings include checking and savings accounts, alongside demand and money market deposits. Its lending portfolio is diverse, spanning commercial, financial, and agricultural loans; secured personal loans for items like automobiles, marketable securities, and recreational vehicles; unsecured consumer credit; financing for commercial real estate and single-family homes; and construction and development loans. Beyond these, the company provides investment accounts and certi...[Read more]

Industry

Banks - Regional

IPO Date

1999-04-22

Stock Exchange

OTC

Ticker

CZBS

The ROE as of June 2026 (TTM) for Citizens Bancshares Corporation (CZBS) is 11.85%

According to Citizens Bancshares Corporation’s latest financial reports and current stock price. The company's current ROE is 11.85%. This represents a change of 4.28% compared to the average of 0.27% of the last 4 quarters.

Citizens Bancshares Corporation (CZBS) Historical ROE (quarterly & annually)

How has CZBS ROE performed in the past?

The mean historical ROE of Citizens Bancshares Corporation over the last ten years is 8.81%. The current 11.85% ROE has changed 34.47% with respect to the historical average. Over the past ten years (40 quarters), CZBS's ROE was at its highest in in the December 2007 quarter at 2.97%. The ROE was at its lowest in in the June 2010 quarter at -2.62%.

Quarterly (TTM)
Annual

Average

8.81%

Median

9.15%

Minimum

3.69%

Maximum

14.46%

Citizens Bancshares Corporation (CZBS) ROE by Quarter and Year

Discovering the peaks and valleys of Citizens Bancshares Corporation ROE, unveiling quarterly and yearly fluctuations to gain insights into the company’s financial performance and market dynamics, offering valuable data for investors and analysts alike.

Maximum Annual Increase = 238.41%

Maximum Annual ROE = 14.46%

Minimum Annual Increase = -52.54%

Minimum Annual ROE = 3.69%

Quarterly (TTM)
Annual
YearROEChange
202510.90%-9.75%
202412.08%-16.48%
202314.46%238.41%
20224.27%-52.54%
20219.00%-20.40%
202011.31%24.19%
20199.11%-0.97%
20189.20%149.50%
20173.69%-10.14%
20164.10%13.60%

Citizens Bancshares Corporation (CZBS) Average ROE

How has CZBS ROE performed in the past?

The current ROE of Citizens Bancshares Corporation (CZBS) is less than than its 3-year, less than than its 5-year, and less than than its 10-year historical averages

3-year avg

12.48%

5-year avg

10.14%

10-year avg

8.81%

Citizens Bancshares Corporation (CZBS) ROE vs. Peers

How is CZBS’s ROE compared to its peers?

Citizens Bancshares Corporation’s ROE is less than New Peoples Bankshares, Inc. (14.05%), less than Consumers Bancorp, Inc. (12.69%), less than Potomac Bancshares, Inc. (12.08%), less than Southeastern Banking Corporation (11.97%), less than Citizens Bancorp of Virginia, Inc. (12.67%), less than Century Next Financial Corporation (15.92%), less than Citizens Bancshares Corporation (11.85%), less than JBT Bancorp Inc. (12.92%), less than National Capital Bancorp, Inc. (11.19%), less than Killbuck Bancshares, Inc. (14.14%),

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