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Citizens Bancshares Corporation (CZBS)
Atlanta, GA, US
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 certificate of deposit account registry services (CDARS). Further services encompass merchant solutions such as point-of-sale terminals, credit and debit card processing, electronic benefits transfer, gift card programs, and internet shopping cart capabilities, in addition to cash management services and credit cards. Digital banking via online and mobile platforms, as well as check reordering, are also available. The bank maintains a physical presence with seven full-service branches: five situated across metropolitan Atlanta, one in Birmingham, Alabama, and another in Eutaw, Alabama. Founded in 1921, the corporation is headquartered in Atlanta, Georgia.
No mergers or acquisitions recorded for this company.
| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| +0.19% | +0.66% | +6.37% | +11.08% | +25.79% | +19.07% | +11.49% | +51.59% | +295.63% | +691.85% | +663.57% |
Revenue flow
Revenue by geography
Revenue by segment
Revenue composition
By product
By geography
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
| Rating | 2024-11 | Change |
|---|---|---|
| Strong Buy | 0 | 0 |
| Buy | 0 | 0 |
| Hold | 0 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 0 | 0 |
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Revenue growth+7.8% Q4'24: -28.1% (vs Q2'16)
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EPS growth-26.9% Q4'24: +445.2% (vs Q2'16)
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FCF margin— Q4'24: +79.5% (vs Q2'16)
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EBIT margin— Q4'24: -55.0% (vs Q2'16)
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ROIC— Q4'24: -26.6% (vs Q2'16)
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Share dilution-6.8% Q4'24: -15.5% (vs Q2'16)
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Debt / EBITDA— Q4'24: -0.17× (vs Q2'16)
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
Owner Earnings
Ownership Overview
Ownership breakdown not available.
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional history not available.
Top holders not available.
ETF Ownership
This company is not held by any ETF in our universe.
Insider Activity
No insider activity available.
Insider history not available.
| Date | Person | Role | Transaction | A/D | Security | Shares | Price | Value | Owned after | D/I | Filing |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 2016-03-23 | DAY CYNTHIA N | Director / Officer | P-Purchase | A | Common Stock | 11,450 | 6.70 | 76.7K | 43,204 | — | ↗ |
| 2015-12-31 | DAY CYNTHIA N | Director / Officer | — | — | — | 0 | 0.00 | — | 0 | — | ↗ |
| 2015-05-23 | DAY CYNTHIA N | Director / Officer | P-Purchase | A | Common Stock | 5,000 | 8.66 | 43.3K | 32,702 | — | ↗ |
| 2015-05-18 | RATAJCZAK DONALD R | Director | P-Purchase | A | Common Stock | 0 | 0.00 | — | 11,807 | — | ↗ |
| 2015-04-09 | RATAJCZAK DONALD R | Director | P-Purchase | A | Common Stock | 105 | 9.50 | 997.50 | 11,807 | — | ↗ |
| 2015-03-24 | RATAJCZAK DONALD R | Director | P-Purchase | A | Common Stock | 106 | 8.99 | 952.94 | 11,702 | — | ↗ |
| 2014-12-31 | DAY CYNTHIA N | Director / Officer | — | — | — | 0 | 0.00 | — | 0 | — | ↗ |
| 2014-10-21 | RATAJCZAK DONALD R | Director | P-Purchase | A | Common Stock | 110 | 8.70 | 957.00 | 11,596 | — | ↗ |
| 2013-12-31 | DAY CYNTHIA N | Director / Officer | — | — | — | 0 | 0.00 | — | 0 | — | ↗ |
| 2013-12-30 | RATAJCZAK DONALD R | Director | P-Purchase | A | Common Stock | 156 | 6.15 | 959.40 | 11,486 | — | ↗ |
| 2013-10-01 | RATAJCZAK DONALD R | Director | P-Purchase | A | Common Stock | 124 | 5.72 | 709.28 | 11,330 | — | ↗ |
| 2013-09-26 | RATAJCZAK DONALD R | Director | P-Purchase | A | Common Stock | 46 | 5.70 | 262.20 | 11,206 | — | ↗ |
| 2013-05-13 | RATAJCZAK DONALD R | Director | P-Purchase | A | Common Stock | 48 | 5.50 | 264.00 | 11,160 | — | ↗ |
| 2013-05-09 | RATAJCZAK DONALD R | Director | P-Purchase | A | Common Stock | 312 | 5.40 | 1.7K | 11,112 | — | ↗ |
| 2013-02-14 | DAY CYNTHIA N | Officer | — | — | — | 0 | 0.00 | — | 0 | — | ↗ |
| 2012-12-21 | RATAJCZAK DONALD R | Director | P-Purchase | A | Common Stock | 92 | 4.75 | 438.19 | 10,800 | — | ↗ |
| 2012-12-19 | RATAJCZAK DONALD R | Director | P-Purchase | A | Common Stock | 43 | 4.50 | 191.25 | 10,708 | — | ↗ |
| 2012-12-17 | RATAJCZAK DONALD R | Director | P-Purchase | A | Common Stock | 76 | 4.50 | 343.13 | 10,665 | — | ↗ |
| 2012-12-05 | RATAJCZAK DONALD R | Director | P-Purchase | A | Common Stock | 36 | 4.75 | 171.00 | 10,589 | — | ↗ |
| 2012-12-04 | RATAJCZAK DONALD R | Director | P-Purchase | A | Common Stock | 169 | 4.75 | 802.75 | 10,553 | — | ↗ |
| 2012-05-24 | RATAJCZAK DONALD R | Director | P-Purchase | A | Common Stock | 241 | 4.03 | 971.23 | 10,384 | — | ↗ |
| 2012-04-10 | RATAJCZAK DONALD R | Director | P-Purchase | A | Common Stock | 237 | 4.10 | 971.70 | 10,143 | — | ↗ |
| 2012-02-13 | DAY CYNTHIA N | Officer | — | — | — | 0 | 0.00 | — | 0 | — | ↗ |
| 2011-11-30 | RATAJCZAK DONALD R | Director | P-Purchase | A | Common Stock | 257 | 3.79 | 974.03 | 9,906 | — | ↗ |
| 2011-09-27 | RATAJCZAK DONALD R | Director | P-Purchase | A | Common Stock | 232 | 4.20 | 974.40 | 9,649 | — | ↗ |
| 2011-04-18 | RATAJCZAK DONALD R | Director | P-Purchase | A | Common Stock | 150 | 4.60 | 690.00 | 9,417 | — | ↗ |
| 2011-04-15 | RATAJCZAK DONALD R | Director | P-Purchase | A | Common Stock | 62 | 4.50 | 279.00 | 9,267 | — | ↗ |
| 2011-04-04 | RATAJCZAK DONALD R | Director | P-Purchase | A | Common Stock | 118 | 4.00 | 472.00 | 9,205 | — | ↗ |
| 2011-03-31 | RATAJCZAK DONALD R | Director | P-Purchase | A | Common Stock | 125 | 4.00 | 499.38 | 9,087 | — | ↗ |
| 2010-12-31 | RATAJCZAK DONALD R | Director | P-Purchase | A | Common Stock | 61 | 4.60 | 280.60 | 8,946 | — | ↗ |
| 2010-12-31 | DAY CYNTHIA N | Officer | — | — | — | 0 | 0.00 | — | 0 | — | ↗ |
| 2010-12-30 | RATAJCZAK DONALD R | Director | P-Purchase | A | Common Stock | 154 | 4.50 | 693.00 | 8,885 | — | ↗ |
| 2010-08-19 | RATAJCZAK DONALD R | Director | P-Purchase | A | Common Stock | 419 | 4.65 | 1.9K | 8,731 | — | ↗ |
| 2010-02-18 | RATAJCZAK DONALD R | Director | P-Purchase | A | Common Stock | 258 | 3.33 | 858.06 | 8,312 | — | ↗ |
| 2010-02-16 | RATAJCZAK DONALD R | Director | P-Purchase | A | Common Stock | 38 | 3.01 | 114.19 | 8,054 | — | ↗ |
| 2009-12-11 | RATAJCZAK DONALD R | Director | P-Purchase | A | Common Stock | 219 | 4.90 | 1.1K | 8,016 | — | ↗ |
| 2009-12-09 | RATAJCZAK DONALD R | Director | P-Purchase | A | Common Stock | 125 | 4.50 | 562.50 | 7,722 | — | ↗ |
| 2009-12-04 | RATAJCZAK DONALD R | Director | P-Purchase | A | Common Stock | 75 | 4.17 | 312.75 | 7,797 | — | ↗ |
| 2009-11-30 | RATAJCZAK DONALD R | Director | P-Purchase | A | Common Stock | 786 | 4.00 | 3.1K | 7,272 | — | ↗ |
| 2009-04-09 | RATAJCZAK DONALD R | Director | P-Purchase | A | Common Stock | 171 | 5.63 | 962.20 | 6,486 | — | ↗ |
| 2009-01-14 | RATAJCZAK DONALD R | Director | P-Purchase | A | Common Stock | 205 | 4.75 | 973.75 | 6,315 | — | ↗ |
| 2008-10-09 | RATAJCZAK DONALD R | Director | P-Purchase | A | Common Stock | 390 | 5.00 | 2.0K | 6,110 | — | ↗ |
| 2008-04-03 | RATAJCZAK DONALD R | Director | P-Purchase | A | Common Stock | 222 | 8.75 | 1.9K | 7,494 | — | ↗ |
| 2007-12-31 | RATAJCZAK DONALD R | Director | P-Purchase | A | Common Stock | 103 | 9.40 | 968.20 | 7,597 | — | ↗ |
| 2007-07-31 | RATAJCZAK DONALD | Director | P-Purchase | A | Common Stock | 88 | 10.97 | 965.01 | 5,720 | — | ↗ |
| 2007-04-10 | RATAJCZAK DONALD | Director | P-Purchase | A | Common Stock | 89 | 10.95 | 974.55 | 5,632 | — | ↗ |
| 2007-04-05 | RATAJCZAK DONALD | Director | P-Purchase | A | Common Stock | 88 | 11.00 | 968.00 | 5,543 | — | ↗ |
| 2007-03-29 | RATAJCZAK DONALD | Director | P-Purchase | A | Common Stock | 1,500 | 10.50 | 15.8K | 5,455 | — | ↗ |
| 2007-03-26 | RATAJCZAK DONALD | Director | P-Purchase | A | Common Stock | 300 | 10.20 | 3.1K | 3,955 | — | ↗ |
| 2007-03-23 | RATAJCZAK DONALD | Director | P-Purchase | A | Common Stock | 200 | 10.50 | 2.1K | 3,655 | — | ↗ |
| 2006-12-31 | RATAJCZAK DONALD | Director | — | — | — | 0 | 0.00 | — | 0 | — | ↗ |
| 2006-12-21 | RATAJCZAK DONALD | Director | P-Purchase | A | Common Stock | 65 | 11.50 | 747.50 | 3,455 | — | ↗ |
| 2006-12-14 | RATAJCZAK DONALD | Director | P-Purchase | A | Common Stock | 500 | 11.05 | 5.5K | 3,384 | — | ↗ |
| 2006-07-10 | RATAJCZAK DONALD | Director | P-Purchase | A | Common Stock | 68 | 11.00 | 748.00 | 2,884 | — | ↗ |
| 2006-04-17 | RATAJCZAK DONALD | Director | P-Purchase | A | Common Stock | 130 | 11.40 | 1.5K | 2,816 | — | ↗ |
| 2005-10-04 | RATAJCZAK DONALD | Director | P-Purchase | A | Common Stock | 126 | 11.90 | 1.5K | 2,686 | — | ↗ |
| 2005-07-27 | DAY CYNTHIA N | Officer | — | D | Common Stock | 0 | 0.00 | — | 407 | — | ↗ |
| 2005-05-02 | RATAJCZAK DONALD | Director | — | — | — | 0 | 0.00 | — | 0 | — | ↗ |
| 2005-03-30 | RATAJCZAK DONALD | Director | P-Purchase | A | common stock | 55 | 13.40 | 737.00 | 2,560 | — | ↗ |
| 2005-02-28 | RATAJCZAK DONALD | Director | P-Purchase | A | common stock | 55 | 13.50 | 742.50 | 2,505 | — | ↗ |
| 2004-10-15 | RATAJCZAK DONALD | Director | P-Purchase | A | Common Stock | 69 | 10.85 | 748.65 | 1,450 | — | ↗ |
| 2004-04-06 | RATAJCZAK DONALD | Director | P-Purchase | A | Common Stock | 68 | 11.00 | 748.00 | 1,312 | — | ↗ |
| 2004-03-01 | RATAJCZAK DONALD | Director | P-Purchase | A | Common Stock | 57 | 13.00 | 741.00 | 1,244 | — | ↗ |
| 2004-02-18 | RATAJCZAK DONALD | Director | P-Purchase | A | Common Stock | 75 | 10.00 | 750.00 | 1,187 | — | ↗ |
Executive team
Executive compensation
Executive compensation not available.
No CEO compensation history available.
Proxy statements
No proxy statements available for this company yet.
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Cynthia N. Day | President, Chief Executive Officer & Director | 351.7K | female |
| Samuel J. Cox | Executive Vice President & Chief Financial Officer | 184.0K | male |
| Frederick Lawrence Daniels Jr. | Executive Vice President & Chief Credit Officer | 160.6K | male |
| Farrand O. Logan | Executive Vice President and Director of Sales & Business Development | — | male |
| Karen Jackson | Senior Vice President | — | female |
No data available for this company.
No Senate trading activity found for this company.
No House trading activity found for this company.
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Community Opinion for CZBS
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
