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About the company
Citizens Bancshares Corporation is a holding company. The Company provides a range of commercial banking to individual and corporate customers in its primary market areas, metropolitan Atlanta, Georgia, and Birmingham and Eutaw, Alabama through its wholly owned subsidiary, Citizens Trust Bank (the Bank). The Bank operates under a state charter and serves its customers through its full-service branches in metropolitan Atlanta, Birmingham, Alabama, and in Eutaw, Alabama. Its banking services include checking, savings, credit card, commercial baking and others. Its borrowing services include home loan solutions, home equity line of credit, personal loans, home loans and others. The Bank also provides various online and mobile banking products. Its commercial loans include vehicle and equipment loans, business loans, VISA classic business credit cards, investments and CDARS.
- Revenue in USD (TTM)12.51m
- Net income in USD2.04m
- Incorporated1972
- Employees102.00
- LocationCitizens Bancshares Corp230 Peachtree Street Nw Suite 2700ATLANTA 30303United StatesUSA
- Phone+1 (404) 659-5959
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Peer analysis
Key Information
- Key Information
- Stock Performance
- Per Share Data
- Efficiency
- Management Effectiveness
- Profitability
- Financial Strength
- Growth Rates
| Company | Revenue (TTM) | Net income (TTM) | Market cap | Employees | Price/earnings (TTM) | Price/book value (MRQ) | Price/cash flow (TTM) | Price/sales (TTM) | EPS (excl. extraordinary items, TTM) | EPS (incl. extraordinary items, TTM) | Revenue per share (TTM) | Book value per share (MRQ) | Asset turnover (TTM) | Inventory turnover (TTM) | Receivables turnover (TTM) | Revenues per employee (TTM) | Return on avg assets (TTM) | Return on avg assets (5 yr avg) | Return on investment (TTM) | Return on investment (5 yr avg) | Gross margin (TTM) | Gross margin (5 yr avg) | Net profit margin (TTM) | Net Profit margin (5 yr avg) | Quick ratio (MRQ) | Interest coverage (TTM) | Total debt to capital (MRQ) | Payout ratio (5 yr avg) | Revenue (YOY change %) | Revenue (5 yr growth rate) | Net income (YOY change %) | Net income (5 yr growth rate) | Capital expenditure (5 yr growth rate) | Dividend (5 yr growth rate) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Riverview Bancorp Inc | 61.21m | 4.85m | 110.80m | 238.00 | 23.08 | 0.6747 | 13.39 | 2.06 | 0.2318 | 0.2318 | 2.57 | 7.93 | -- | -- | -- | -- | 0.321 | 0.7623 | -- | -- | -- | -- | 9.01 | 21.16 | -- | -- | -- | 35.83 | 4.26 | 3.15 | 29.06 | -20.81 | -1.68 | -7.79 |
| PSB Holdings Inc | 76.29m | 13.46m | 111.86m | 127.00 | 8.37 | 0.8987 | -- | 2.15 | 3.32 | 3.32 | 12.83 | 32.72 | -- | -- | -- | -- | 0.9529 | 0.8832 | -- | -- | -- | -- | 26.81 | 25.32 | -- | -- | -- | 20.51 | 6.62 | 15.19 | 37.32 | 4.72 | -- | 10.12 |
| American Bank Inc | 24.83m | -1.34m | 112.37m | 46.00 | -- | -- | -- | 9.52 | -0.2826 | -0.2826 | 1.92 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -11.32 | -- | -- | -- | -- | -- | 9.51 | -- | 45.61 | -- | -- | -- |
| F & M Bank Corp | 67.03m | 10.61m | 112.40m | 169.00 | 10.57 | 1.11 | 9.46 | 2.22 | 2.99 | 2.99 | 14.29 | 28.52 | -- | -- | -- | -- | 0.7848 | 0.657 | -- | -- | -- | -- | 20.95 | 17.39 | -- | -- | -- | 46.95 | 14.31 | 11.03 | 162.90 | 11.68 | -34.73 | 0.7875 |
| Magyar Bancorp Inc | 56.36m | 10.81m | 113.49m | 91.00 | 10.13 | 0.9322 | 9.68 | 3.08 | 1.73 | 1.73 | 5.90 | 18.79 | -- | -- | -- | -- | 1.05 | 0.9121 | -- | -- | -- | -- | 29.33 | 25.13 | -- | -- | -- | -- | 12.63 | 15.23 | 25.40 | 34.83 | 31.32 | -- |
| University Bancorp Inc (MICHIGAN) | 4.46m | 1.83m | 114.19m | 81.00 | 57.86 | 10.98 | 33.30 | 3.12 | 0.3818 | 0.3818 | 7.65 | 2.01 | -- | -- | -- | -- | 2.00 | 1.85 | -- | -- | -- | -- | 6.65 | 6.56 | -- | -- | -- | -- | 17.72 | 4.91 | 21.25 | -- | 1.41 | -- |
| Security Federal Corp | 78.61m | 12.01m | 114.33m | 258.00 | 9.61 | -- | 11.72 | 1.95 | 3.81 | 3.81 | 18.57 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | 23.30 | 22.44 | -- | -- | -- | -- | 1.69 | 16.21 | 35.28 | 11.25 | -- | 8.45 |
| Croghan Bancshares Inc | 57.57m | 11.17m | 114.35m | 207.00 | 10.49 | 0.859 | -- | 2.50 | 5.41 | 5.41 | 22.19 | 66.08 | -- | -- | -- | -- | 0.9336 | 1.18 | -- | -- | -- | -- | 24.37 | 29.02 | -- | -- | -- | 37.28 | 12.10 | 7.22 | -6.64 | -4.29 | -15.09 | 4.56 |
| United Bancshares Inc | 58.82m | 12.00m | 115.96m | 211.00 | 9.71 | 1.02 | -- | 2.44 | 4.04 | 4.04 | 16.00 | 38.47 | -- | -- | -- | -- | 1.01 | 1.59 | -- | -- | -- | -- | 25.26 | 33.68 | -- | -- | -- | 15.68 | 10.40 | 8.00 | 31.02 | -2.70 | -- | 12.77 |
| Hoyne Bancorp Inc | 19.34m | -399.39k | 117.49m | 58.00 | -- | 1.30 | 214.85 | 8.57 | -0.0493 | -0.0493 | 1.69 | 11.13 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -2.91 | -- | -- | -- | -- | -- | 8.95 | -- | -231.28 | -- | -- | -- |
| Citizens Bancshares Corp | 12.51m | 2.04m | 119.51m | 102.00 | 52.34 | 2.53 | 41.50 | 7.26 | 0.9146 | 0.9146 | 7.38 | 24.35 | -- | -- | -- | -- | 0.5781 | 0.3062 | -- | -- | -- | -- | 13.83 | 6.58 | -- | -- | -- | 18.10 | -4.45 | -6.16 | 0.668 | 38.05 | -6.94 | 0.00 |
| Lake Shore Bancorp Inc | 36.28m | 7.27m | 121.14m | 93.00 | 16.01 | -- | 20.90 | 4.35 | 0.9668 | 0.9668 | 3.69 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | 26.11 | 22.00 | -- | -- | -- | -- | 4.25 | 8.32 | 47.41 | 9.78 | -- | -10.01 |
| Affinity Bancshares Inc | 48.92m | 8.33m | 121.30m | 88.00 | 15.37 | 0.955 | 17.84 | 3.67 | 1.30 | 1.30 | 5.13 | 20.84 | -- | -- | -- | -- | 0.953 | 0.8405 | -- | -- | -- | -- | 25.20 | 22.10 | -- | -- | -- | -- | 7.22 | 9.81 | 53.13 | 21.96 | -- | -- |
| First Keystone Corp | 75.50m | 9.06m | 121.74m | 206.00 | 13.37 | 1.08 | 11.91 | 2.78 | 1.46 | 1.46 | 7.04 | 17.97 | -- | -- | -- | -- | 0.5999 | 0.5092 | -- | -- | -- | -- | 20.71 | 16.41 | -- | -- | -- | 101.21 | 25.33 | 13.14 | -337.46 | -- | 25.41 | 0.73 |
| Winchester Bancorp Inc | 46.33m | 1.42m | 121.77m | 71.00 | 82.48 | 1.03 | 50.93 | 5.33 | 0.1588 | 0.1588 | 2.52 | 12.72 | -- | -- | -- | -- | 0.1488 | -- | -- | -- | -- | -- | 6.22 | -- | -- | -- | -- | -- | 22.52 | -- | -211.20 | -- | -- | -- |
Data as of Mar 02 2026. Currency figures normalised to Citizens Bancshares Corp's reporting currency: US Dollar USD
0.14%Per cent of shares held by top holders
| Holder | Shares | % Held |
|---|---|---|
| Andbank Wealth Management SGIIC SAUas of 31 Dec 2025 | 2.50k | 0.14% |
| Royce & Associates LPas of 31 Dec 2025 | 0.00 | 0.00% |
Data from 31 Dec 2025 - 25 Feb 2026Source: FactSet Research Systems Inc.
