Citizens Bancshares Corp. is a bank holding company of Citizens Trust Bank, which engages in the provision of full range of commercial and personal banking products and financial solutions. The company is headquartered in Atlanta, Georgia. The firm 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.
Financials in millions USD. Fiscal year is February - January.
Breakdown
TTM
12/31/2015
12/31/2014
12/31/2013
12/31/2012
12/31/2011
Revenue
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Revenue Growth (YoY)
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Cost of Revenue
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Gross Profit
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Selling, General & Admin
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Research & Development
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Operating Expenses
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Other Non Operating Income (Expenses)
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Pretax Income
2
2
1
1
0
0
Income Tax Expense
0
0
0
0
0
-1
Net Income
2
1
1
1
0
0
Net Income Growth
100%
0%
0%
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Shares Outstanding (Diluted)
2.24
2.22
2.19
2.17
2.17
2.13
Shares Change (YoY)
1%
1%
1%
0%
2%
0%
EPS (Diluted)
0.92
0.71
0.72
0.51
0.25
0.01
EPS Growth
35%
-1%
41%
104%
2,400%
-93%
Free Cash Flow
0
2
3
4
8
6
Free Cash Flow Per Share
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Gross Margin
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Operating Margin
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Profit Margin
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Free Cash Flow Margin
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EBITDA
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EBITDA Margin
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D&A For EBITDA
0
0
0
0
0
0
EBIT
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EBIT Margin
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Effective Tax Rate
0%
0%
0%
0%
0%
0%
Follow-Up Questions
What are Citizens Bancshares Corp's key financial statements?
According to the latest financial statement (Form-10K), Citizens Bancshares Corp has a total asset of $388, Net profit of $1
What are the key financial ratios for CZBS?
Citizens Bancshares Corp's Current ratio is 1.14, has a Net margin is 0, sales per share of $0.
How is Citizens Bancshares Corp's revenue broken down by segment or geography?
Citizens Bancshares Corp largest revenue segment is Banking and Related Activities, at a revenue of 41,697,995 in the most earnings release.For geography, United States is the primary market for Citizens Bancshares Corp, at a revenue of 41,697,995.
Is Citizens Bancshares Corp profitable?
yes, according to the latest financial statements, Citizens Bancshares Corp has a net profit of $1
Does Citizens Bancshares Corp have any liabilities?
yes, Citizens Bancshares Corp has liability of 338
How many outstanding shares for Citizens Bancshares Corp?
Citizens Bancshares Corp has a total outstanding shares of 2.2