Citizens Competitors

CZBS Stock

USD 51.00 0.29 0.57%

Citizens Bancshares Corp competes with Citizens Financial, Farmers Bancorp, Alpine Banks, and First Financial; as well as few others. The company conducts business under Banks sector and is part of Financials industry. Analyzing Citizens Bancshares competition allows you to expand the diversification possibilities of your existing portfolios and to get a better perspective on locking in new positions. Investors sometimes prefer comparable analysis of Citizens Bancshares to its intrinsic valuation because they are able to contrast its competitors on a relative basis. Check out Citizens Bancshares Correlation with its peers.

You can use the Comparative Equity Analysis module to analyze the advantages of investing in your portfolio's related equities across multiple sectors and thematic ideas. Please use the input box below to enter symbols for particular investments you would like to analyze. With the equity comparison module, you can estimate the relative effect of Citizens Bancshares competition on your existing holdings.

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Hype

Prediction

Low	Estimated	High
49.13	51.00	52.87

Details

Intrinsic

Valuation

Low	Real	High
45.90	52.91	54.78

Details

Please note, it is not enough to conduct a financial or market analysis of a single entity such as Citizens Bancshares. Your research has to be compared to or analyzed against Citizens Bancshares' peers to derive any actionable benefits. When done correctly, Citizens Bancshares' competitive analysis will give you plenty of quantitative and qualitative data to validate your investment decisions or develop an entirely new strategy toward taking a position in Citizens Bancshares Corp.

Citizens Bancshares Competition Correlation Matrix

Typically, diversification allows investors to combine positions across different asset classes to reduce overall portfolio risk. Correlation between Citizens Bancshares and its competitors represents the degree of relationship between the price movements of corresponding pink sheets. A correlation of about +1.0 implies that the price of Citizens and its corresponding peer move in tandem. A correlation of -1.0 means that prices move in opposite directions. A correlation of close to zero suggests that the price movements of assets are uncorrelated; in other words, the historical price movement of Citizens Bancshares Corp does not affect the price movement of the other competitor.

	CIWV	FABP	ALPIB	THFF
CIWV		0.67	0.81	0.78	CIWV
FABP	0.67		0.93	0.63	FABP
ALPIB	0.81	0.93		0.78	ALPIB
THFF	0.78	0.63	0.78		THFF
	CIWV	FABP	ALPIB	THFF

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Risk-Adjusted Indicators

There is a big difference between Citizens Pink Sheet performing well and Citizens Bancshares Company doing well as a business compared to the competition. There are so many exceptions to the norm that investors cannot definitively determine what's good or bad unless they analyze Citizens Bancshares' multiple risk-adjusted performance indicators across the competitive landscape. These indicators are quantitative in nature and help investors forecast volatility and risk-adjusted expected returns across various positions.

	Mean Deviation	Jensen Alpha	Sortino Ratio	Treynor Ratio	Semi Deviation	Expected Shortfall	Potential Upside	Value @Risk	Maximum Drawdown
CIWV	1.15	0.27	0.05	0.54	1.31	(4.09)	4.22	(2.15)	18.86
FABP	0.75	0.23	0.16	(1.94)	0.41	(1.79)	2.71	(1.21)	6.83
ALPIB	0.50	0.23	0.23	(11.40)	0.00	(0.82)	1.81	(0.72)	4.36
THFF	1.41	0.14	0.06	0.71	1.56	(1.70)	2.31	(3.11)	19.73

Unable to evaluate fundamental data of [CIWV, FABP, ALPIB, THFF] at this time. Please try again later

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Citizens Bancshares Competitive Analysis

The better you understand Citizens Bancshares competitors, the better chance you have of utilizing it as a position in your portfolios. From an individual investor's perspective, Citizens Bancshares' competitive analysis can cover a whole range of metrics. Some of these will be more critical depending on who you are as an investor and how you react to market volatility. However, if you are locking your investment sandscape to a long-term horizon, comparing the fundamental indicator across Citizens Bancshares' competition over several years is one of the best ways to analyze its investment potential.

Better Than Average

Worse Than Peers

View Performance Chart

	CZBS	CIWV	FABP	ALPIB	THFF
	0.57 51.00 Citizens	0.00 24.25 Citizens	0.00 38.48 Farmers	0.00 34.23 Alpine	0.59 47.38 First
Market Volatility (90 Days Market Risk)	Very steady	Very steady	Very steady	Very steady	Very steady
Market Performance (90 Days Performance)	Very Weak	OK	Solid	Solid	Modest
Odds of Financial Distress (Probability Of Bankruptcy)	Low	Low	Low	Low	Low
Current Valuation (Equity Enterprise Value)	Fairly Valued	Under Valued	Over Valued	Over Valued	Over Valued
Buy or Sell Advice (Average Analysts Consensus)	Not Available	Not Available	Not Available	Not Available	Buy
Trade Advice (90 Days Macroaxis Advice)	Hold	Buy	Cautious Hold	Strong Sell	Hold
Net Asset	N/A	223.75 M	N/A	6.22 B	4.85 B
Profit Margin	0.20 %	0.14 %	0.34 %	0.29 %	0.23 %
EBITDA	N/A	N/A	N/A	N/A	79.02 M
Operating Margin	0.25 %	0.27 %	0.41 %	0.35 %	0.22 %
Current Valuation	(5.07 M)	61.81 M	116.8 M	(356.11 M)	594.6 M
Price To Book	0.58 X	0.25 X	N/A	0.67 X	0.98 X
Retained Earnings	31.24 M	22.15 M	21.4 M	N/A	663.73 M
Five Year Return	2.78 %	3.63 %	2.60 %	N/A	2.47 %
Beta	0.5	0.24	0.41	0.56	0.47
Number Of Employees	13	16	6	4	861
Shares Outstanding	2.08 M	1.83 M	1.82 M	8.51 M	11.81 M
Cash Flow From Operations	8.97 M	1.83 M	12.88 M	86.31 M	86.09 M
Annual Yield	0.02 %	0.04 %	0.03 %	0.02 %	0.04 %
Total Debt	5.21 M	N/A	53.3 M	119.18 M	108.58 M
Return On Equity	0.0638	0.0646	0.15	0.15	0.0839
Z Score	8.4	N/A	0.6	1.2	N/A
Return On Asset	0.0065	0.0065	0.0142	0.0105	0.0085
Book Value Per Share	27.04 X	12.68 X	33.52 X	24.75 X	47.93 X
Number Of Shares Shorted	N/A	N/A	N/A	N/A	62.33 K
Total Asset	406.75 M	223.75 M	463.09 M	6.22 B	4.85 B
Last Dividend Paid	0.4	0.34	1.3	0.7	1.8
Debt To Equity	N/A	N/A	N/A	N/A	6.26 %
Short Ratio	N/A	N/A	N/A	N/A	0.88 X
Target Price	N/A	N/A	N/A	N/A	51.0
Shares Owned By Institutions	2.87 %	N/A	0.39 %	8.51 %	77.40 %
Market Capitalization	74.88 M	32.93 M	83.68 M	282.54 M	559.48 M
Price To Earning	15.09 X	22.92 X	29.11 X	8.12 X	12.24 X
Price To Sales	2.90 X	3.28 X	2.80 X	1.19 X	2.94 X
Net Income	N/A	1.45 M	11.01 M	59.65 M	60.67 M
Earnings Per Share	1.94 X	0.81 X	5.74 X	4.25 X	3.69 X
Shares Owned By Insiders	44.57 %	N/A	N/A	N/A	4.10 %
Revenue	20.6 M	10.29 M	32.21 M	219.64 M	202.67 M
Cash And Equivalents	38.85 M	5.04 M	21.68 M	859.92 M	336.44 M
Cash Per Share	19.66 X	2.80 X	11.98 X	55.87 X	27.99 X
Gross Profit	22.57 M	10.29 M	32.21 M	214.41 M	217.78 M
Day Typical Price	50.92	24.25	38.48	34.23	47.19
Accumulation Distribution	0.0049	N/A	N/A	N/A	371.04
Market Facilitation Index	0.25	N/A	N/A	N/A	0.0
Daily Balance Of Power	1.16	0.0	0.0	0.0	0.3333
Period Momentum Indicator	0.29	N/A	N/A	N/A	0.28
Rate Of Daily Change	1.01	1.0	1.0	1.0	1.01
Day Median Price	50.88	24.25	38.48	34.23	47.1
Price Action Indicator	0.27	N/A	N/A	N/A	0.42
Coefficient Of Variation	3938.33	827.2	552.25	341.44	1479.55
Mean Deviation	1.16	1.15	0.7527	0.5017	1.41
Jensen Alpha	0.0168	0.2696	0.2302	0.23	0.1405
Total Risk Alpha	(0.06)	0.1564	0.1544	0.1847	0.0209
Sortino Ratio	(0)	0.0526	0.1569	0.2334	0.064
Downside Variance	3.69	22.56	1.35	0.6345	2.76
Standard Deviation	1.82	2.51	1.3	0.8166	2.36
Kurtosis	4.09	9.98	10.74	6.18	19.74
Potential Upside	2.64	4.22	2.71	1.81	2.31
Treynor Ratio	0.0807	0.5435	(1.94)	(11.40)	0.7062
Maximum Drawdown	10.95	18.86	6.83	4.36	19.73
Variance	3.32	6.28	1.69	0.6668	5.58
Market Risk Adjusted Performance	0.0907	0.5535	(1.93)	(11.39)	0.7162
Risk Adjusted Performance	0.0258	0.1028	0.1477	0.2328	0.0603
Skewness	0.555	1.53	2.3	1.82	3.13
Semi Deviation	1.5	1.31	0.4146	0.0	1.56
Information Ratio	(0)	0.0996	0.1401	0.2276	0.045
Value At Risk	(2.31)	(2.15)	(1.21)	(0.72)	(3.11)
Expected Short fall	(1.46)	(4.09)	(1.79)	(0.82)	(1.70)
Downside Deviation	1.92	4.75	1.16	0.7966	1.66
Semi Variance	2.26	1.71	0.1719	(0.11)	2.44

Citizens Bancshares Competition Performance Charts

Five steps to successful analysis of Citizens Bancshares Competition

Citizens Bancshares' competitive analysis is the process of researching and evaluating its competitive landscape. It provides an understanding of the strengths, weaknesses, opportunities, and threats (SWOT) faced by Citizens Bancshares Corp in relation to its competition. Citizens Bancshares' competition analysis typically involves several steps, including:

Identifying the key players in the market: This involves identifying the major competitors of Citizens Bancshares in the market, both direct and indirect, as well as new entrants and disruptive technologies.
Assessing the strengths and weaknesses of each competitor: This involves evaluating each competitor's strengths and weaknesses in areas such as product offerings, market share, brand recognition, financial performance, and distribution channels.
Understanding the competitive environment: This involves evaluating the regulatory environment, economic conditions, and other factors that may impact Citizens Bancshares' competitive landscape.
Identifying opportunities and threats: This involves using the information gathered during the analysis to identify opportunities and threats to Citizens Bancshares Corp, and developing a strategy to address them.
Evaluating the competitive landscape: This involves understanding the competitive dynamics of the market, such as pricing, marketing, and distribution strategies, as well as analyzing the competitive advantage of each competitor.

Competitive analysis is an essential tool for businesses to stay ahead of the competition and can be used to inform decision-making and strategy development. By understanding the competitive landscape and staying informed about the activities of competitors, a company can make more informed decisions and improve its overall performance.

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Additional Tools for Citizens Pink Sheet Analysis

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.

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