CZBS
Citizens Bancshares Corporation
OTC Markets OTCIDUSDEQUITY
Financial Services
DELAYED
Last price
62.68
▼ 0.32 (0.51%)
MARKET · —
Price
Chart style
Interval
Intraday intervals only cover recent history. The site picks the finest interval the range allows.
Overlays
Session levels
Lower pane
Tool
Drag pan · Pinch zoom · Hold crosshair · pick a tool then drag to draw
Open
62.68
Prev close
63.00
Day high
62.68
Day low
62.68
Volume
300
Market cap
$122.31M
P/E (TTM)
11.50
52W range
39.01 – 66.90
Day trading desk
Gap from prior close
-0.51%
Prior close 63.00
VWAP
62.68
-0.00% from price
Relative volume
0.09×
Quiet session
Session range
0.00%
62.68 – 62.68
Position in range
0%
Near session low
ATR (14D)
0.47
0.75% of price
Prior day high
63.00
PDH
Prior day low
63.00
PDL
Bid / ask spread
—
Quote not published
Session volume
200
Avg 2.30K
VWAP and the session figures are computed from the delayed intraday series on this page, so they lag the live tape and will not match a broker's real-time VWAP exactly. Turn on Prior day H/L/C, Opening range and Volume profile in the chart's Studies menu to see these levels drawn on price.
Trailing performance
Returnvs SPY
1W
+1.10%
+2.5%
1M
+2.79%
-0.9%
3M
+24.37%
+21.3%
6M
+34.80%
+23.7%
YTD
+39.63%
+27.3%
1Y
+36.26%
+16.3%
3Y
+55.77%
-18.4%
5Y
—
—
Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.
Unusual options activity
Nothing crossed the thresholds in the expiries we scanned.
That is the normal state — most contracts trade well inside their existing open interest.
That is the normal state — most contracts trade well inside their existing open interest.
Contracts trading at or above their open interest, ranked by notional and where the print landed.
Free account
5 more panels on CZBS open with an account.
Options chains and analytics, valuation ratios, insider filings, analyst targets and ownership. No card, no trial, nothing to cancel.
Insider net activity
Net shares
0
Net selling
Buy transactions
0
0 shares
Sell transactions
0
—
Net transactions
0
Buys less sells
Sell : buy shares
—
Not enough filings
Insider-held shares
0
Total on file
Fundamentals
Market cap$122.31M
Enterprise value$83.74M
Revenue (TTM)$34.16M
Gross profit$34.16M
EBITDA—
Net income$8.38M
EPS (TTM)$5.45
Free cash flow—
Total cash$38.85M
Total debt$5.21M
Book value / share$41.47
Shares outstanding1.95M
Float—
Short % of float—
Dividend yield1.91%
Beta (5Y)0.38
Valuation & profitability ratios
Trailing P/E11.50
Forward P/E—
PEG ratio—
Price / sales—
Price / book1.51
EV / revenue2.45
EV / EBITDA—
Gross margin0.00%
Operating margin8.32%
Profit margin30.99%
Return on equity5.47%
Return on assets1.32%
Debt / equity—
Current ratio—
Fourteen ratios including P/E, PEG, EV/EBITDA, margins and return on equity.
Financial statements
| Line item | 2025 | 2024 | 2023 | 2022 | 2021 | YoY |
|---|---|---|---|---|---|---|
| Total revenue | $48.25M | $43.06M | $43.51M | $35.61M | — | +12.0% |
| Operating revenue | $48.25M | $43.06M | $43.51M | $35.61M | — | +12.0% |
| Total operating expense | $32.83M | $29.92M | $29.04M | $23.52M | — | +9.7% |
| Pre-tax income | $13.57M | $12.96M | $14.07M | $9.26M | — | +4.7% |
| Tax provision | $2.55M | $2.70M | $2.91M | $1.91M | — | -5.7% |
| Net income | $11.02M | $10.26M | $11.17M | $7.36M | — | +7.5% |
| Net income to common | $11.02M | $10.26M | $11.17M | $7.36M | — | +7.5% |
| Basic EPS | — | 5.21 | 5.67 | 3.74 | 3.31 | — |
| Diluted EPS | — | 5.03 | 5.47 | — | 3.19 | — |
| Basic shares | — | 1.97M | 1.97M | 1.97M | 1.97M | — |
| Diluted shares | — | 2.04M | 1.97M | 2.04M | 2.04M | — |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Cash & equivalents | $147.48M | $161.56M | $148.79M | $211.32M | -8.7% |
| Property, plant & equipment | $28.71M | $29.14M | $28.44M | $30.98M | -1.5% |
| Goodwill & intangibles | $24.09M | $23.07M | $23.78M | $24.49M | +4.4% |
| Total assets | $1.11B | $1.03B | $963.52M | $1.00B | +7.4% |
| Total debt | $25.02M | $25.07M | $24.83M | $27.94M | -0.2% |
| Total liabilities | $1.01B | $948.11M | $886.30M | $933.64M | +6.4% |
| Retained earnings | $105.70M | $95.54M | $86.10M | $77.21M | +10.6% |
| Shareholder equity | $101.13M | $84.92M | $77.23M | $66.53M | +19.1% |
| Net tangible assets | $77.03M | $61.85M | $53.44M | $42.03M | +24.6% |
| Shares issued | 2.39M | 2.39M | 2.39M | 2.39M | 0.0% |
| Line item | 2025 | 2024 | 2023 | 2022 | 2021 | YoY |
|---|---|---|---|---|---|---|
| Net income | $11.02M | $10.26M | $11.17M | $7.36M | — | +7.5% |
| Depreciation & amortisation | $2.10M | $2.00M | $2.01M | $1.64M | — | +4.8% |
| Change in working capital | $855.00K | -$1.27M | -$166.00K | -$282.00K | — | +167.5% |
| Operating cash flow | $15.39M | $10.56M | $12.27M | $11.53M | — | +45.8% |
| Capital expenditure | -$855.00K | -$1.83M | -$341.00K | -$670.00K | — | +53.2% |
| Investing cash flow | -$42.74M | -$59.21M | -$28.35M | -$72.28M | — | +27.8% |
| Share buybacks | $0 | -$649.00K | $0 | — | $0 | +100.0% |
| Dividends paid | -$858.00K | -$820.00K | -$789.00K | -$747.00K | — | -4.6% |
| Financing cash flow | $17.27M | $62.17M | -$50.20M | -$11.80M | — | -72.2% |
| Free cash flow | $14.54M | $8.73M | $11.93M | $10.86M | — | +66.5% |
| End cash position | $142.98M | $153.06M | $139.54M | $205.82M | — | -6.6% |
Options analytics
Put / call volume
—
—
Put / call open interest
—
Positioning, not flow
Max pain
—
—
ATM implied vol
—
Nearest strike to spot
Skew (10% OTM)
—
—
Call volume
0
Contracts, this expiry
Put volume
0
Contracts, this expiry
Heaviest call OI
—
—
Heaviest put OI
—
—
Max pain is the strike at which the largest dollar value of open contracts expires worthless. It describes current positioning; it is not a forecast and it moves as open interest changes.
Put/call ratios, max pain, implied volatility skew and where open interest is concentrated.
Earnings
Reported vs expected · EPS
| Quarter | Est. | Actual | Surprise |
|---|---|---|---|
| Mar 2010 | — | 0.25 | — |
Forward consensus
| Period | EPS | Analysts | Revenue | Growth |
|---|---|---|---|---|
| Current quarter | — | — | $0 | — |
| Next quarter | — | — | $0 | — |
| Current year | — | — | $0 | — |
| Next year | — | — | $0 | — |
Analyst targets & ownership
Mean target—
High target—
Low target—
Implied upside—
Analyst count—
ConsensusNONE
Strong buy / Buy— / —
Hold—
Sell / Strong sell— / —
Held by insiders0.00%
Held by institutions1.49%
Institutions holding3
Price targets, consensus spread, insider and institutional ownership.
Moving averages & technicals
SMA 10
62.57
+0.17% from price
SMA 20
63.67
-1.55% from price
SMA 50
58.49
+7.17% from price
SMA 100
54.31
+15.40% from price
SMA 200
49.20
+27.40% from price
EMA 12
62.77
-0.14% from price
EMA 26
61.69
+1.61% from price
EMA 50
59.25
+5.79% from price
RSI (14)
59.4
Neutral
MACD (12,26,9)
1.08
Hist -0.47
ATR (14)
0.47
0.75% of price
Realised vol 30D
26.5%
Annualised
Bollinger upper
66.48
20, 2σ
Bollinger lower
60.86
20, 2σ
50 / 200 cross
Golden
58.49 vs 49.20
Trend bias
Above 200
+27.40%
Options chain
Calls
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Puts
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Every listed expiry, both sides of the book, with volume, open interest and implied volatility.
Risk profile
Beta vs SPY
0.11
Less volatile than market
Correlation to SPY
0.07
Largely independent
Realised vol 30D
26.5%
Annualised
Market vol 1Y
12.9%
SPY, annualised
Max drawdown 1Y
-16.5%
Peak to trough
Max drawdown 5Y
-34.2%
Peak to trough
ATR 14
0.47
0.75% of price
Beta (reported)
0.38
5Y monthly, from filing
Dividends & splits
Forward rate$1.20 / yr
Forward yield1.91%
5-year avg yield2.49%
Payout ratio20.18%
Ex-dividend dateMar 9, 2026
Next pay dateMar 23, 2026
Last split—
Split date—
PRIVATE STRATEGY · BY QUALIFICATION
The same data. A different seat.
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