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OTCMKTS:CZBSCitizens Bancshares Co. (GA) Competitors & Alternatives

$11.05
0.00 (0.00 %)
(As of 07/10/2020 04:00 PM ET)
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Today's Range
$11.05
Now: $11.05
$11.05
50-Day Range
$8.80
MA: $10.42
$13.40
52-Week Range
$8.25
Now: $11.05
$14.09
Volume360 shs
Average Volume2,130 shs
Market Capitalization$22.98 million
P/E RatioN/A
Dividend Yield3.17%
Beta0.56

Competitors

Citizens Bancshares Co. (GA) (OTCMKTS:CZBS) Vs. BKSC, MRLN, EFSI, DIMC, ABNK, and BAYK

Should you be buying CZBS stock or one of its competitors? Companies in the industry of "state commercial banks" are considered alternatives and competitors to Citizens Bancshares Co. (GA), including Bank of SC (BKSC), Marlin Business Services (MRLN), Eagle Financial Services (EFSI), Dimeco (DIMC), Altapacific Bancor (ABNK), and Bay Banks of Virginia (BAYK).

Citizens Bancshares Co. (GA) (OTCMKTS:CZBS) and Bank of SC (NASDAQ:BKSC) are both small-cap finance companies, but which is the superior investment? We will contrast the two businesses based on the strength of their analyst recommendations, dividends, profitability, earnings, institutional ownership, valuation and risk.

Volatility and Risk

Citizens Bancshares Co. (GA) has a beta of 0.56, indicating that its stock price is 44% less volatile than the S&P 500. Comparatively, Bank of SC has a beta of 0.54, indicating that its stock price is 46% less volatile than the S&P 500.

Profitability

This table compares Citizens Bancshares Co. (GA) and Bank of SC's net margins, return on equity and return on assets.

Net MarginsReturn on EquityReturn on Assets
Citizens Bancshares Co. (GA)N/AN/AN/A
Bank of SC34.15%12.97%1.43%

Dividends

Citizens Bancshares Co. (GA) pays an annual dividend of $0.35 per share and has a dividend yield of 3.2%. Bank of SC pays an annual dividend of $0.64 per share and has a dividend yield of 4.0%. Bank of SC has increased its dividend for 8 consecutive years. Bank of SC is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Insider and Institutional Ownership

6.0% of Bank of SC shares are held by institutional investors. 10.2% of Citizens Bancshares Co. (GA) shares are held by company insiders. Comparatively, 29.1% of Bank of SC shares are held by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock is poised for long-term growth.

Valuation and Earnings

This table compares Citizens Bancshares Co. (GA) and Bank of SC's revenue, earnings per share and valuation.

Gross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Citizens Bancshares Co. (GA)N/AN/AN/AN/AN/A
Bank of SC$21.11 million4.23$7.32 millionN/AN/A

Bank of SC has higher revenue and earnings than Citizens Bancshares Co. (GA).

Analyst Ratings

This is a summary of recent ratings and price targets for Citizens Bancshares Co. (GA) and Bank of SC, as provided by MarketBeat.

Sell RatingsHold RatingsBuy RatingsStrong Buy RatingsRating Score
Citizens Bancshares Co. (GA)0000N/A
Bank of SC0000N/A

Summary

Bank of SC beats Citizens Bancshares Co. (GA) on 8 of the 9 factors compared between the two stocks.

Marlin Business Services (NASDAQ:MRLN) and Citizens Bancshares Co. (GA) (OTCMKTS:CZBS) are both small-cap finance companies, but which is the better investment? We will compare the two companies based on the strength of their profitability, valuation, earnings, dividends, institutional ownership, risk and analyst recommendations.

Dividends

Marlin Business Services pays an annual dividend of $0.56 per share and has a dividend yield of 7.6%. Citizens Bancshares Co. (GA) pays an annual dividend of $0.35 per share and has a dividend yield of 3.2%.

Analyst Recommendations

This is a summary of recent ratings and recommmendations for Marlin Business Services and Citizens Bancshares Co. (GA), as provided by MarketBeat.com.

Sell RatingsHold RatingsBuy RatingsStrong Buy RatingsRating Score
Marlin Business Services0000N/A
Citizens Bancshares Co. (GA)0000N/A

Marlin Business Services currently has a consensus target price of $16.00, suggesting a potential upside of 118.28%. Given Marlin Business Services' higher possible upside, research analysts clearly believe Marlin Business Services is more favorable than Citizens Bancshares Co. (GA).

Profitability

This table compares Marlin Business Services and Citizens Bancshares Co. (GA)'s net margins, return on equity and return on assets.

Net MarginsReturn on EquityReturn on Assets
Marlin Business Services6.43%5.99%0.98%
Citizens Bancshares Co. (GA)N/AN/AN/A

Valuation & Earnings

This table compares Marlin Business Services and Citizens Bancshares Co. (GA)'s top-line revenue, earnings per share (EPS) and valuation.

Gross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Marlin Business Services$166.66 million0.52$27.12 millionN/AN/A
Citizens Bancshares Co. (GA)N/AN/AN/AN/AN/A

Marlin Business Services has higher revenue and earnings than Citizens Bancshares Co. (GA).

Insider and Institutional Ownership

86.9% of Marlin Business Services shares are owned by institutional investors. 5.3% of Marlin Business Services shares are owned by insiders. Comparatively, 10.2% of Citizens Bancshares Co. (GA) shares are owned by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock is poised for long-term growth.

Volatility & Risk

Marlin Business Services has a beta of 0.85, meaning that its share price is 15% less volatile than the S&P 500. Comparatively, Citizens Bancshares Co. (GA) has a beta of 0.56, meaning that its share price is 44% less volatile than the S&P 500.

Summary

Marlin Business Services beats Citizens Bancshares Co. (GA) on 8 of the 9 factors compared between the two stocks.

Eagle Financial Services (OTCMKTS:EFSI) and Citizens Bancshares Co. (GA) (OTCMKTS:CZBS) are both small-cap finance companies, but which is the better investment? We will compare the two companies based on the strength of their profitability, valuation, earnings, dividends, institutional ownership, risk and analyst recommendations.

Insider and Institutional Ownership

2.0% of Eagle Financial Services shares are owned by institutional investors. 22.3% of Eagle Financial Services shares are owned by insiders. Comparatively, 10.2% of Citizens Bancshares Co. (GA) shares are owned by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock is poised for long-term growth.

Analyst Recommendations

This is a summary of recent ratings and recommmendations for Eagle Financial Services and Citizens Bancshares Co. (GA), as provided by MarketBeat.com.

Sell RatingsHold RatingsBuy RatingsStrong Buy RatingsRating Score
Eagle Financial Services0000N/A
Citizens Bancshares Co. (GA)0000N/A

Volatility & Risk

Eagle Financial Services has a beta of 0.65, meaning that its share price is 35% less volatile than the S&P 500. Comparatively, Citizens Bancshares Co. (GA) has a beta of 0.56, meaning that its share price is 44% less volatile than the S&P 500.

Valuation & Earnings

This table compares Eagle Financial Services and Citizens Bancshares Co. (GA)'s top-line revenue, earnings per share (EPS) and valuation.

Gross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Eagle Financial Services$43.21 million2.01$9.76 millionN/AN/A
Citizens Bancshares Co. (GA)N/AN/AN/AN/AN/A

Eagle Financial Services has higher revenue and earnings than Citizens Bancshares Co. (GA).

Profitability

This table compares Eagle Financial Services and Citizens Bancshares Co. (GA)'s net margins, return on equity and return on assets.

Net MarginsReturn on EquityReturn on Assets
Eagle Financial Services22.10%10.04%1.11%
Citizens Bancshares Co. (GA)N/AN/AN/A

Dividends

Eagle Financial Services pays an annual dividend of $1.04 per share and has a dividend yield of 4.1%. Citizens Bancshares Co. (GA) pays an annual dividend of $0.35 per share and has a dividend yield of 3.2%.

Summary

Eagle Financial Services beats Citizens Bancshares Co. (GA) on 8 of the 8 factors compared between the two stocks.

Dimeco (OTCMKTS:DIMC) and Citizens Bancshares Co. (GA) (OTCMKTS:CZBS) are both small-cap finance companies, but which is the superior business? We will compare the two companies based on the strength of their dividends, risk, analyst recommendations, earnings, valuation, profitability and institutional ownership.

Insider & Institutional Ownership

0.3% of Dimeco shares are owned by institutional investors. 19.0% of Dimeco shares are owned by company insiders. Comparatively, 10.2% of Citizens Bancshares Co. (GA) shares are owned by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company is poised for long-term growth.

Risk and Volatility

Dimeco has a beta of 0.48, suggesting that its share price is 52% less volatile than the S&P 500. Comparatively, Citizens Bancshares Co. (GA) has a beta of 0.56, suggesting that its share price is 44% less volatile than the S&P 500.

Dividends

Dimeco pays an annual dividend of $1.32 per share and has a dividend yield of 3.8%. Citizens Bancshares Co. (GA) pays an annual dividend of $0.35 per share and has a dividend yield of 3.2%.

Profitability

This table compares Dimeco and Citizens Bancshares Co. (GA)'s net margins, return on equity and return on assets.

Net MarginsReturn on EquityReturn on Assets
DimecoN/AN/AN/A
Citizens Bancshares Co. (GA)N/AN/AN/A

Analyst Ratings

This is a breakdown of current ratings and price targets for Dimeco and Citizens Bancshares Co. (GA), as provided by MarketBeat.com.

Sell RatingsHold RatingsBuy RatingsStrong Buy RatingsRating Score
Dimeco0000N/A
Citizens Bancshares Co. (GA)0000N/A

Valuation and Earnings

This table compares Dimeco and Citizens Bancshares Co. (GA)'s top-line revenue, earnings per share and valuation.

Gross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Dimeco$37.40 million2.28$8.73 millionN/AN/A
Citizens Bancshares Co. (GA)N/AN/AN/AN/AN/A

Dimeco has higher revenue and earnings than Citizens Bancshares Co. (GA).

Summary

Dimeco beats Citizens Bancshares Co. (GA) on 4 of the 5 factors compared between the two stocks.

Altapacific Bancor (OTCMKTS:ABNK) and Citizens Bancshares Co. (GA) (OTCMKTS:CZBS) are both small-cap finance companies, but which is the superior stock? We will contrast the two businesses based on the strength of their valuation, analyst recommendations, dividends, earnings, profitability, risk and institutional ownership.

Risk and Volatility

Altapacific Bancor has a beta of 0.6, indicating that its stock price is 40% less volatile than the S&P 500. Comparatively, Citizens Bancshares Co. (GA) has a beta of 0.56, indicating that its stock price is 44% less volatile than the S&P 500.

Profitability

This table compares Altapacific Bancor and Citizens Bancshares Co. (GA)'s net margins, return on equity and return on assets.

Net MarginsReturn on EquityReturn on Assets
Altapacific Bancor22.42%N/AN/A
Citizens Bancshares Co. (GA)N/AN/AN/A

Earnings and Valuation

This table compares Altapacific Bancor and Citizens Bancshares Co. (GA)'s top-line revenue, earnings per share and valuation.

Gross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Altapacific Bancor$22.76 million3.69$5.20 millionN/AN/A
Citizens Bancshares Co. (GA)N/AN/AN/AN/AN/A

Altapacific Bancor has higher revenue and earnings than Citizens Bancshares Co. (GA).

Analyst Recommendations

This is a breakdown of current ratings and recommmendations for Altapacific Bancor and Citizens Bancshares Co. (GA), as provided by MarketBeat.com.

Sell RatingsHold RatingsBuy RatingsStrong Buy RatingsRating Score
Altapacific Bancor0000N/A
Citizens Bancshares Co. (GA)0000N/A

Summary

Altapacific Bancor beats Citizens Bancshares Co. (GA) on 3 of the 3 factors compared between the two stocks.

Citizens Bancshares Co. (GA) (OTCMKTS:CZBS) and Bay Banks of Virginia (OTCMKTS:BAYK) are both small-cap finance companies, but which is the better investment? We will contrast the two businesses based on the strength of their risk, analyst recommendations, profitability, valuation, institutional ownership, earnings and dividends.

Volatility and Risk

Citizens Bancshares Co. (GA) has a beta of 0.56, meaning that its share price is 44% less volatile than the S&P 500. Comparatively, Bay Banks of Virginia has a beta of 0.78, meaning that its share price is 22% less volatile than the S&P 500.

Profitability

This table compares Citizens Bancshares Co. (GA) and Bay Banks of Virginia's net margins, return on equity and return on assets.

Net MarginsReturn on EquityReturn on Assets
Citizens Bancshares Co. (GA)N/AN/AN/A
Bay Banks of Virginia9.99%4.43%0.49%

Earnings & Valuation

This table compares Citizens Bancshares Co. (GA) and Bay Banks of Virginia's top-line revenue, earnings per share (EPS) and valuation.

Gross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Citizens Bancshares Co. (GA)N/AN/AN/AN/AN/A
Bay Banks of Virginia$55.38 million1.42$7.06 million$0.5410.91

Bay Banks of Virginia has higher revenue and earnings than Citizens Bancshares Co. (GA).

Insider and Institutional Ownership

15.0% of Bay Banks of Virginia shares are held by institutional investors. 10.2% of Citizens Bancshares Co. (GA) shares are held by company insiders. Comparatively, 7.6% of Bay Banks of Virginia shares are held by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company will outperform the market over the long term.

Analyst Ratings

This is a summary of recent ratings for Citizens Bancshares Co. (GA) and Bay Banks of Virginia, as provided by MarketBeat.com.

Sell RatingsHold RatingsBuy RatingsStrong Buy RatingsRating Score
Citizens Bancshares Co. (GA)0000N/A
Bay Banks of Virginia0000N/A

Summary

Bay Banks of Virginia beats Citizens Bancshares Co. (GA) on 6 of the 7 factors compared between the two stocks.

Competitor NameCompetitor BTM RankCompetitor PriceCompetitor Price ChangeCompetitor Market CapCompetitor RevenueCompetitor P/E RatioCompetitor Indicator(s)
BKSC
Bank of SC
1.9$16.13flat$89.20 million$21.11 million13.67Earnings Announcement
Heavy News Reporting
Marlin Business Services logo
MRLN
Marlin Business Services
1.8$7.33flat$87.11 million$166.66 million9.40
EFSI
Eagle Financial Services
1.8$25.41flat$86.64 million$43.21 million9.04Upcoming Earnings
DIMC
Dimeco
0.8$35.00flat$85.40 million$37.40 million0.00Stock Split
High Trading Volume
ABNK
Altapacific Bancor
0.5$14.50flat$83.96 million$22.76 million17.86
Bay Banks of Virginia logo
BAYK
Bay Banks of Virginia
1.3$5.89flat$78.53 million$55.38 million14.02
SFDL
Security Federal Co. (SC)
1.2$23.75flat$77.26 million$46.03 million10.89
UNB
Union Bankshares
1.1$17.08flat$76.40 million$46.33 million7.49Upcoming Earnings
Increase in Short Interest
FXNC
First National
0.9$13.87flat$74.53 million$40.29 million10.44
CWBC
Community West Bancshares
1.6$8.12flat$68.80 million$49.35 million8.64Increase in Short Interest
Heavy News Reporting
Guaranty Federal Bancshares logo
GFED
Guaranty Federal Bancshares
2.1$15.41flat$67.27 million$52.33 million7.23Upcoming Earnings
High Trading Volume
SOMC
Southern Michigan Bancorp
1.0$28.50flat$66.09 million$40.21 million7.98High Trading Volume
UBCP
United Bancorp
1.2$11.37flat$65.13 million$30.92 million9.55
FMBM
F&M Bank
1.2$18.70flat$60.37 million$48.13 million14.84High Trading Volume
Heavy News Reporting
American River Bankshares logo
AMRB
American River Bankshares
2.8$10.08flat$59.66 million$27.36 million10.18Upcoming Earnings
Analyst Upgrade
Heavy News Reporting
MELR
Melrose Bancorp
0.6$24.96flat$58.01 million$11.56 million26.13
WBBW
Westbury Bancorp
0.7$19.10flat$57.77 million$38.64 million8.49Upcoming Earnings
RNDB
Randolph Bancorp
2.0$10.03flat$54.96 million$46.89 million20.47
FBSS
Fauquier Bankshares
1.0$13.90flat$52.75 million$35.14 million8.03Upcoming Earnings
CNAF
Commercial National Financial
1.0$17.75flat$50.78 million$19.71 million0.00High Trading Volume
Heavy News Reporting
SRYB
Surrey Bancorp
0.9$11.74flat$47.92 million$17.41 million9.78
PFBX
Peoples Financial
0.8$9.50flat$46.40 million$27.30 million19.39High Trading Volume
PBHC
Pathfinder Bancorp
1.6$9.65flat$45.88 million$46.20 million10.27High Trading Volume
Heavy News Reporting
PMHG
Prime Meridian
0.9$14.60flat$45.50 million$20.52 million13.77
VBFC
Village Bank and Trust Financial
1.4$30.27flat$44 million$31.40 million9.61High Trading Volume
Heavy News Reporting
MSVB
MID-SOUTHERN Sv/SH
1.1$12.20flat$42.65 millionN/A0.00
UNIB
University Bancorp
0.7$8.10flat$42.16 millionN/A0.00
BOTJ
Bank of the James Financial Group
1.6$9.10flat$39.49 million$37 million7.40Upcoming Earnings
PBNK
PINNACLE BK GIL/SH SH
0.9$7.40flat$39.13 million$24.62 million9.49
FUSB
First US Bancshares
1.6$6.26flat$38.46 million$48.95 million10.10Decrease in Short Interest
VSBN
VSB Bancorp
1.1$20.25flat$38.31 million$16.57 million11.25
ESBK
Elmira Savings Bank
1.1$10.78flat$37.52 million$28.03 million10.47Upcoming Earnings
Decrease in Short Interest
Heavy News Reporting
CEFC
Commercial National Financial
1.1$9.00flat$35.69 million$22.51 million7.63
BSCA
BK OF SANTA CLA/SH
0.4$9.35flat$34.69 millionN/A0.00
IOFB
IA 1ST BANCSHAR/SH
1.1$26.66flat$30.03 millionN/A8.77
MVLY
MISSION VY BANC/SH
0.8$9.10flat$29.42 millionN/A4.95
PCLB
Pinnacle Bancshares
0.6$28.15flat$29.39 million$9.43 million0.00Earnings Announcement
Heavy News Reporting
HVBC
HV Bancorp
0.6$11.90flat$26.66 million$15.35 million0.00
GLBZ
Glen Burnie Bancorp
1.2$8.75flat$24.80 million$15.81 million14.58Dividend Announcement
Heavy News Reporting
CSHB
Community Shores Bank
0.7$4.93flat$20.30 million$9.22 million0.00
DSFN
DSA FINL CORP/SH
0.8$13.49flat$18.18 million$5 million0.00High Trading Volume
MFBP
M&F Bancorp
0.5$3.93flat$7.98 millionN/A0.00
BVBC
Blue Valley Ban
0.6$14.40flat$0.00$35.19 million0.00High Trading Volume
BRBW
Brunswick Bancorp
0.5$8.75flat$0.00N/A0.00
FNBCQ
First NBC Bank
0.5$0.05flat$0.00N/A0.00
SBTB
SBT Bancorp
0.5$51.20flat$0.00$21.39 million19.10High Trading Volume
This page was last updated on 7/12/2020 by MarketBeat.com Staff

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