Citizens Bancshares Stock Net Income
| CITZ Stock | USD 42.00 0.00 0.00% |
As of the 3rd of February, Citizens Bancshares shows the Standard Deviation of 0.8952, risk adjusted performance of 0.1437, and Mean Deviation of 0.3308. Citizens Bancshares technical analysis gives you the methodology to make use of historical prices and volume patterns to determine a pattern that approximates the direction of the firm's future prices.
Citizens Bancshares' financial statements offer valuable quarterly and annual insights to potential investors, highlighting the company's current and historical financial position, overall management performance, and changes in financial standing over time. Key fundamentals influencing Citizens Bancshares' valuation are provided below:Citizens Bancshares does not presently have any fundamental signals for analysis. This module does not cover all equities due to inconsistencies in global equity categorizations. Continue to Equity Screeners to view more equity screening tools. Citizens |
Citizens Bancshares 'What if' Analysis
In the world of financial modeling, what-if analysis is part of sensitivity analysis performed to test how changes in assumptions impact individual outputs in a model. When applied to Citizens Bancshares' pink sheet what-if analysis refers to the analyzing how the change in your past investing horizon will affect the profitability against the current market value of Citizens Bancshares.
| 11/05/2025 |
| 02/03/2026 |
If you would invest 0.00 in Citizens Bancshares on November 5, 2025 and sell it all today you would earn a total of 0.00 from holding Citizens Bancshares or generate 0.0% return on investment in Citizens Bancshares over 90 days. Citizens Bancshares is related to or competes with Century Financial, Private Bancorp, Mission Bancorp, Cashmere Valley, and NASB Financial. Citizens Bancshares Corporation operates as the bank holding company for The Citizens Bank that provides community banki... More
Citizens Bancshares Upside/Downside Indicators
Understanding different market momentum indicators often help investors to time their next move. Potential upside and downside technical ratios enable traders to measure Citizens Bancshares' pink sheet current market value against overall market sentiment and can be a good tool during both bulling and bearish trends. Here we outline some of the essential indicators to assess Citizens Bancshares upside and downside potential and time the market with a certain degree of confidence.
| Information Ratio | 0.1313 | |||
| Maximum Drawdown | 5.26 |
Citizens Bancshares Market Risk Indicators
Today, many novice investors tend to focus exclusively on investment returns with little concern for Citizens Bancshares' investment risk. Other traders do consider volatility but use just one or two very conventional indicators such as Citizens Bancshares' standard deviation. In reality, there are many statistical measures that can use Citizens Bancshares historical prices to predict the future Citizens Bancshares' volatility.| Risk Adjusted Performance | 0.1437 | |||
| Jensen Alpha | 0.1509 | |||
| Total Risk Alpha | 0.1074 | |||
| Treynor Ratio | 0.6024 |
Sophisticated investors, who have witnessed many market ups and downs, anticipate that the market will even out over time. This tendency of Citizens Bancshares' price to converge to an average value over time is called mean reversion. However, historically, high market prices usually discourage investors that believe in mean reversion to invest, while low prices are viewed as an opportunity to buy.
Citizens Bancshares February 3, 2026 Technical Indicators
| Cycle Indicators | ||
| Math Operators | ||
| Math Transform | ||
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| Overlap Studies | ||
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| Volatility Indicators | ||
| Volume Indicators |
| Risk Adjusted Performance | 0.1437 | |||
| Market Risk Adjusted Performance | 0.6124 | |||
| Mean Deviation | 0.3308 | |||
| Coefficient Of Variation | 516.72 | |||
| Standard Deviation | 0.8952 | |||
| Variance | 0.8014 | |||
| Information Ratio | 0.1313 | |||
| Jensen Alpha | 0.1509 | |||
| Total Risk Alpha | 0.1074 | |||
| Treynor Ratio | 0.6024 | |||
| Maximum Drawdown | 5.26 | |||
| Skewness | 5.42 | |||
| Kurtosis | 28.78 |
Citizens Bancshares Backtested Returns
At this stage we consider Citizens Pink Sheet to be very steady. Citizens Bancshares secures Sharpe Ratio (or Efficiency) of 0.2, which signifies that the company had a 0.2 % return per unit of risk over the last 3 months. We have found seventeen technical indicators for Citizens Bancshares, which you can use to evaluate the volatility of the firm. Please confirm Citizens Bancshares' Mean Deviation of 0.3308, risk adjusted performance of 0.1437, and Standard Deviation of 0.8952 to double-check if the risk estimate we provide is consistent with the expected return of 0.19%. Citizens Bancshares has a performance score of 15 on a scale of 0 to 100. The firm shows a Beta (market volatility) of 0.27, which signifies not very significant fluctuations relative to the market. As returns on the market increase, Citizens Bancshares' returns are expected to increase less than the market. However, during the bear market, the loss of holding Citizens Bancshares is expected to be smaller as well. Citizens Bancshares right now shows a risk of 0.93%. Please confirm Citizens Bancshares jensen alpha and day typical price , to decide if Citizens Bancshares will be following its price patterns.
Auto-correlation | 0.00 |
No correlation between past and present
Citizens Bancshares has no correlation between past and present. Overlapping area represents the amount of predictability between Citizens Bancshares time series from 5th of November 2025 to 20th of December 2025 and 20th of December 2025 to 3rd of February 2026. The more autocorrelation exist between current time interval and its lagged values, the more accurately you can make projection about the future pattern of Citizens Bancshares price movement. The serial correlation of 0.0 indicates that just 0.0% of current Citizens Bancshares price fluctuation can be explain by its past prices.
| Correlation Coefficient | 0.0 | |
| Spearman Rank Test | 1.0 | |
| Residual Average | 0.0 | |
| Price Variance | 0.0 |
Because income is reported on the Income Statement of a company and is measured in dollars some investors prefer to use Profit Margin, which measures income as a percentage of sales.
| Competition |
Based on the recorded statements, Citizens Bancshares reported net income of 4.67 M. This is 99.63% lower than that of the Financial Services sector and significantly higher than that of the Banks—Regional industry. The net income for all United States stocks is 99.18% higher than that of the company.
Citizens Net Income Peer Comparison
Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses Citizens Bancshares' direct or indirect competition against its Net Income to detect undervalued stocks with similar characteristics or determine the pink sheets which would be a good addition to a portfolio. Peer analysis of Citizens Bancshares could also be used in its relative valuation, which is a method of valuing Citizens Bancshares by comparing valuation metrics of similar companies.Citizens Bancshares is currently under evaluation in net income category among its peers.
Citizens Fundamentals
| Price To Earning | 31.95 X | |||
| EBITDA | 7.81 M | |||
| Net Income | 4.67 M | |||
| Cash And Equivalents | 134.7 M | |||
| Cash Per Share | 13.74 X | |||
| Total Debt | 55.3 M | |||
| Debt To Equity | 9.18 % | |||
| Cash Flow From Operations | 7.21 M | |||
| Target Price | 15.06 | |||
| Number Of Employees | 13 | |||
| Beta | 1.22 | |||
| Market Capitalization | 31.19 M | |||
| Total Asset | 1.14 B | |||
| Retained Earnings | 76.91 M | |||
| Annual Yield | 0.01 % |
About Citizens Bancshares Fundamental Analysis
The Macroaxis Fundamental Analysis modules help investors analyze Citizens Bancshares's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of Citizens Bancshares using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of Citizens Bancshares based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.
Please read more on our fundamental analysis page.
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When running Citizens Bancshares' price analysis, check to measure Citizens Bancshares' market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Citizens Bancshares is operating at the current time. Most of Citizens Bancshares' value examination focuses on studying past and present price action to predict the probability of Citizens Bancshares' future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Citizens Bancshares' price. Additionally, you may evaluate how the addition of Citizens Bancshares to your portfolios can decrease your overall portfolio volatility.