Fairvalue-Calculator Fairvalue-Calculator
EN DE

Citizens Bancshares Corporation (CZBS) Fair Value & Analysis

Financial Services · US · Market cap $105M

Price$53.60
Fair Value$73.43
Upside+37.0%
Quality95/100
Evidence: High Range $55.07 – $91.79

Fair value as of: Jun 26, 2026

Analysis

Citizens Bancshares Corporation (CZBS) currently trades at $53.60, while our model-based Fair Value estimate is $73.43 — implying the stock looks roughly 37.0% undervalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.

About the company

Citizens Bancshares Corporation operates as the holding company for Citizens Trust Bank that provides various commercial banking services to individual and corporate customers in the United States. The company offers checking, savings, NOW, and money market accounts; investment accounts; certificate of deposit account registry services (CDARS); demand and time deposits; and credit cards. It also provides small business loans; 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; residential first mortgages; construction and development loans; home loans and equity lines of credit; auto loans; secured and unsecured personal loans; commercial loans for owner-occupied real estate, equipment, investment real estate, and renovation; and government, conventional, and jumbo loans. In addition, it provides busin…

Open the full interactive analysis →

Similar stocks

HDFC Bank Limited (HDFCBANK) +20% PT Bank Central Asia Tbk (BBCA) +6% KB Financial Group (105560) +39% PT Bank Rakyat Indonesia (Persero) Tbk (BBRI) +100% Banco Bradesco S.A (BBD) +100% Shinhan Financial Group (055550) +22%

Frequently asked questions

Is Citizens Bancshares Corporation (CZBS) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $73.43 versus a price of $53.60 — about +37% (undervalued). Model-based estimate, not financial advice.
What is the fair value of CZBS?
Our 21-model fair value for Citizens Bancshares Corporation is $73.43 (as of Jun 26, 2026), built from audited fundamentals. The current price is $53.60.
What is the quality score of CZBS?
Citizens Bancshares Corporation has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.