Citizens Bancshares Corp (CZBS)

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Citizens Bancshares Corp (CZBS) is up 22.9% since the beginning of the year. At $54 per share, CZBS is currently trading at its 52-week high. Investors who bought $1,000 worth of CZBS shares 5 years ago would now be looking at an investment worth $5,034.

Citizens Bancshares Corp (CZBS) has returned 22.89% so far this year and 19.15% over the past 12 months. Looking at the last ten years, CZBS has achieved an annualized return of 26.03%, outperforming the S&P 500 Index benchmark, which averaged 13.88% per year.

Based on dividend-adjusted daily data since Aug 1, 2012, CZBS's average daily return is +0.11%, while the average monthly return is +2.17%. At this rate, an investment would double in approximately 2.7 years.

Historically, 55% of months were positive and 45% were negative. The best month was Oct 2022 with a return of +44.0%, while the worst month was Mar 2020 at -20.9%. The longest winning streak lasted 6 consecutive months, and the longest losing streak was 7 months.

On a daily basis, CZBS closed higher 30% of trading days. The best single day was Apr 8, 2021 with a return of +27.3%, while the worst single day was Mar 25, 2013 at -15.2%.

Citizens Bancshares Corp has an annualized alpha of 28.57%, beta of 0.25, and R2 of 0.01 versus S&P 500 Index. Calculated based on daily prices since August 01, 2012.

• This stock captured 53.35% of S&P 500 Index gains and tended to rise during its downturns (downside capture of -60.71%) - a profile typical of hedging or uncorrelated assets.
• Beta of 0.25 may look defensive, but with R2 of 0.01 this stock is largely uncorrelated with S&P 500 Index - low beta reflects independence, not downside protection. See the Volatility section for a true picture of this stock's risk.
• R2 of 0.01 means this stock moves largely independently of S&P 500 Index - capture ratios reflect limited market correlation rather than active downside protection. Consider using a more representative benchmark.

CZBS ranks 69 for risk / return — better than 69% of stocks on our site. You're getting solid returns for the risk taken. A good sign, especially for investors who want growth without excessive volatility.

Citizens Bancshares Corp provided a 2.23% dividend yield over the last twelve months, with an annual payout of $1.20 per share. The company has been increasing its dividends for 5 consecutive years.

The table displays the monthly dividend distributions for Citizens Bancshares Corp. The dividends shown in the table have been adjusted to account for any splits that may have occurred.

The Drawdowns chart displays portfolio losses from any high point along the way. Drawdowns are calculated considering price movements and all distributions paid, if any.

The table below displays the maximum drawdowns of the Citizens Bancshares Corp. A maximum drawdown is a measure of risk, indicating the largest reduction in portfolio value due to a series of losing trades.

The maximum drawdown for the Citizens Bancshares Corp was 36.52%, occurring on Apr 1, 2020. Recovery took 54 trading sessions.

The current Citizens Bancshares Corp drawdown is 5.60%.

The chart below shows the rolling one-month volatility.

The chart below illustrates the trends in the financial health of Citizens Bancshares Corp over time, highlighting three key metrics: Total Revenue, Earnings Before Interest and Taxes (EBIT), and Net Income.

The Valuation section provides an overview of how Citizens Bancshares Corp is priced in the market compared to other companies in the Banks - Regional industry. It includes key financial ratios that help investors assess whether the stock is undervalued or overvalued.