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Last update at 2026-06-22T19:38:00Z
Source: TradingView
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| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
| Income before tax | 12.96M | 14.07M | - | - | - |
| Minority interest | - | - | - | - | - |
| Net income | 10.26M | 11.17M | - | - | - |
| Selling general administrative | 1.29M | 1.29M | - | - | - |
| Selling and marketing expenses | 0.36M | 1.27M | - | - | - |
| Gross profit | 43.06M | 43.51M | - | - | - |
| Reconciled depreciation | 2.00M | 2.01M | - | - | - |
| Ebit | 12.96M | 14.07M | - | - | - |
| Ebitda | 14.96M | 16.09M | - | - | - |
| Depreciation and amortization | 2.00M | 2.01M | - | - | - |
| Non operating income net other | - | - | - | - | - |
| Operating income | 12.96M | 14.07M | - | - | - |
| Other operating expenses | 44.12M | 38.92M | - | 4.44M | 5.35M |
| Interest expense | 14.01M | 9.48M | - | 0.00000M | 0.00000M |
| Tax provision | 2.70M | 2.91M | - | - | - |
| Interest income | 49.57M | 45.71M | - | - | - |
| Net interest income | 35.56M | 36.23M | - | - | - |
| Extraordinary items | - | - | - | - | - |
| Non recurring | - | - | - | - | - |
| Other items | - | - | - | - | - |
| Income tax expense | 2.70M | 2.91M | 2.98M | - | 1.57M |
| Total revenue | 57.07M | 52.99M | - | - | - |
| Total operating expenses | 30.11M | 29.44M | - | - | - |
| Cost of revenue | 14.01M | 9.48M | - | - | - |
| Total other income expense net | -0.18600M | 0.94M | - | - | - |
| Discontinued operations | - | - | - | - | - |
| Net income from continuing ops | 10.26M | 11.17M | - | - | - |
| Net income applicable to common shares | - | - | 9.21M | 9.21M | 5.22M |
| Preferred stock and other adjustments | - | - | - | - | - |
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
| Total assets | 1033.03M | 963.52M | - | - | - |
| Intangible assets | 4.59M | 5.30M | - | - | - |
| Earning assets | - | - | - | - | - |
| Other current assets | -3.70300M | -9.11340M | - | - | - |
| Total liab | 948.11M | 886.30M | - | - | - |
| Total stockholder equity | 84.92M | 77.23M | - | - | - |
| Deferred long term liab | - | - | - | - | - |
| Other current liab | 916.68M | 853.13M | - | - | - |
| Common stock | 2.39M | 2.39M | 2.45M | - | 2.42M |
| Capital stock | 2.39M | 2.39M | - | - | - |
| Retained earnings | 95.54M | 86.10M | 54.94M | - | 43.60M |
| Other liab | - | - | 3.68M | - | 3.17M |
| Good will | 18.48M | 18.48M | - | - | - |
| Other assets | 1033.03M | - | - | 299.88M | 301.98M |
| Cash | 161.56M | 148.79M | - | - | - |
| Cash and equivalents | - | - | - | - | - |
| Total current liabilities | 917.55M | 853.81M | - | 588.24M | 513.22M |
| Current deferred revenue | - | - | - | - | - |
| Net debt | -136.49700M | -123.96000M | - | - | - |
| Short term debt | 0.41M | 0.40M | - | - | - |
| Short long term debt | - | - | - | - | - |
| Short long term debt total | 25.07M | 24.83M | - | - | - |
| Other stockholder equity | -13.00900M | -11.26900M | -12.50401M | - | 1.33M |
| Property plant equipment | - | - | 7.82M | - | 9.11M |
| Total current assets | 165.27M | 152.07M | 260.45M | 264.91M | 196.45M |
| Long term investments | 159.91M | 157.37M | - | - | - |
| Net tangible assets | - | - | - | 53.07M | 51.54M |
| Short term investments | - | - | - | - | - |
| Net receivables | 3.70M | 3.28M | - | - | - |
| Long term debt | - | - | - | - | - |
| Inventory | - | - | - | - | 0.16M |
| Accounts payable | 0.87M | 0.68M | 620.21M | - | 510.38M |
| Total permanent equity | - | - | - | - | - |
| Noncontrolling interest in consolidated entity | - | - | - | - | - |
| Temporary equity redeemable noncontrolling interests | - | - | - | - | - |
| Accumulated other comprehensive income | -11.81066M | -10.59023M | - | - | - |
| Additional paid in capital | - | - | - | - | - |
| Common stock total equity | - | - | - | - | - |
| Preferred stock total equity | - | - | - | - | - |
| Retained earnings total equity | - | - | - | - | - |
| Treasury stock | - | - | - | - | - |
| Accumulated amortization | - | - | - | - | - |
| Non currrent assets other | 242.91M | 217.91M | - | - | - |
| Deferred long term asset charges | - | - | - | - | - |
| Non current assets total | 867.76M | 811.45M | - | - | - |
| Capital lease obligations | - | - | - | - | - |
| Long term debt total | - | - | - | - | - |
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
| Investments | -58.23700M | -28.35000M | -98.43247M | -98.43247M | 20.29M |
| Change to liabilities | - | - | 0.00000M | 0.00000M | 0.00000M |
| Total cashflows from investing activities | -58.23700M | -28.35000M | -154.85022M | -154.85022M | 2.00M |
| Net borrowings | 0.00000M | -3.09300M | 2.98M | 2.98M | -0.42141M |
| Total cash from financing activities | 61.17M | -50.19900M | 141.04M | 141.04M | 146.83M |
| Change to operating activities | - | - | -0.72629M | -0.72629M | -0.37022M |
| Net income | 10.26M | 11.17M | 9.44M | 0.00000M | 5.22M |
| Change in cash | 13.52M | -66.27700M | -4.45432M | -4.45432M | 155.91M |
| Begin period cash flow | 139.54M | 205.82M | - | - | - |
| End period cash flow | 153.06M | 139.54M | - | - | - |
| Total cash from operating activities | 10.59M | 12.27M | 9.35M | 9.35M | 7.08M |
| Issuance of capital stock | 0.00000M | 0.01000M | - | - | - |
| Depreciation | 2.00M | 2.01M | 0.61M | 0.62M | 0.61M |
| Other cashflows from investing activities | -30.69200M | -27.41700M | - | - | -0.00720M |
| Dividends paid | 0.82M | 0.79M | 1.23M | 1.23M | 0.69M |
| Change to inventory | - | - | - | - | - |
| Change to account receivables | -0.42200M | -0.52600M | - | - | - |
| Sale purchase of stock | -0.64900M | -7.59057M | - | - | - |
| Other cashflows from financing activities | 62.66M | -46.32700M | 38.79M | 38.79M | 149.02M |
| Change to netincome | - | - | 0.04M | 0.76M | 1.62M |
| Capital expenditures | 1.83M | 0.34M | 0.20M | 0.20M | 0.90M |
| Change receivables | - | - | - | - | - |
| Cash flows other operating | - | - | - | - | - |
| Exchange rate changes | - | - | - | - | - |
| Cash and cash equivalents changes | - | - | - | - | - |
| Change in working capital | -1.26700M | -0.16600M | - | - | - |
| Stock based compensation | - | - | - | - | - |
| Other non cash items | -0.40300M | -0.74200M | - | - | - |
| Free cash flow | 8.76M | 11.93M | - | - | - |
Sector: Financial Services Industry: Banks - Regional
| Company | Change (USD) | Price (USD) | Trailing PE (x) | Forward PE (x) | Price Sales TTM (x) | Price to Book Value (x) | Enterprise Value to Revenue (x) |
|---|---|---|---|---|---|---|---|
| CZBS Citizens Bancshares Corp |
0.21 0.39% | 53.80 | 9.80 | - | 2.69 | 1.13 | 2.82 |
| HDB HDFC Bank Limited ADR |
0.03 0.12% | 25.09 | 20.81 | 20.96 | 0.11 | 4.77 | |
| CIHKY China Merchants Bank Co Ltd |
-0.32 1.06% | 29.79 | 7.78 | 7.65 | 0.56 | 0.90 | 3.62 |
| DBSDF DBS Group Holdings Ltd |
1.60 3.22% | 51.35 | 15.29 | 14.41 | 5.84 | 2.36 | 10.40 |
| CIHHF China Merchants Bank Co Ltd Class H |
- -% | 5.70 | 6.10 | 5.67 | 0.44 | 0.77 | 3.43 |
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. Its loan products include commercial, financial, and agricultural loans; loans secured by personal property, such as automobiles, marketable securities, and other titled recreational vehicles and motorcycles, as well as unsecured consumer debt; commercial real estate loans; single family residential loans; and construction and development loans. The company also offers investment accounts and certificate of deposit account registry services. In addition, it provides merchant services, include point of sale terminal, credit and debit card processing, electronic benefits transfer, gift card, and Internet shopping cart services; cash management services; and credit cards. Further, the company offers online and mobile banking, as well as check reorder services. Citizens Bancshares Corporation was founded in 1921 and is headquartered in Atlanta, Georgia.
230 Peachtree Street, NW, Atlanta, GA, United States, 30303
| Name | Title | Year Born |
|---|---|---|
| Ms. Cynthia N. Day CPA | Pres, CEO & Director | 1966 |
| Mr. Samuel J. Cox CPA | Exec. VP & CFO | 1958 |
| Mr. Frederick Lawrence Daniels Jr. | Exec. VP & Chief Credit Officer | 1966 |
| Ms. Karen Jackson | Sr. VP | 1967 |
| Mr. Farrand O. Logan | Exec. VP and Director of Sales & Bus. Devel. | NA |
| Ms. Cynthia N. Day CPA | President, CEO & Director | 1966 |
| Mr. Samuel J. Cox CPA | Executive VP & CFO | 1958 |
| Mr. Frederick Lawrence Daniels Jr. | Executive VP & Chief Credit Officer | 1966 |
| Ms. Karen Jackson | Senior Vice President | 1967 |
| Mr. Farrand O. Logan | Executive VP and Director of Sales & Business Development | NA |
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