# Citizens Bancshares Corp. (CITZ)

> Financial Services · US · Reports in USD

Fundamental indicators from Sponda, adjusted for inflation.

[HTML version](https://sponda.capital/en/CITZ/fundamentals)

## Annual figures

| Year | Revenue (M) | Net Inc. (M) | FCF (M) | Debt (M) | Equity (M) |
| --- | --- | --- | --- | --- | --- |
| 2016 | $ 17.57M | $ 2.28M | $ 712.7K | $ 5.22M | $ 52.84M |
| 2015 | $ 24.39M | $ 2.55M | $ 2.90M | $ 5.23M | $ 50.38M |
| 2014 | $ 25.16M | $ 2.56M | $ 5.00M | $ 254.1K | $ 49.57M |
| 2013 | $ 25.95M | $ 1.92M | $ 6.19M | $ 273.1K | $ 46.31M |
| 2012 | $ 31.01M | $ 1.11M | $ 12.65M | $ 291.7K | $ 49.15M |
| 2011 | $ 31.67M | $ 393.2K | $ 9.21M | $ 309.9K | $ 48.53M |
| 2010 | $ 35.98M | $ 952.7K | $ 8.00M | $ 327.8K | $ 45.82M |
| 2009 | $ 38.01M | $ 1.55M | $ -4.93M | $ 14.50M | $ 42.24M |
| 2008 | $ 38.38M | $ 1.55M | $ 4.40M | $ 28.95M | $ 33.66M |
| 2007 | $ 41.38M | $ 4.32M | $ 5.12M | $ 19.28M | $ 33.13M |
| 2006 | $ 40.10M | $ 4.55M | $ 4.51M | $ 32.24M | $ 30.15M |
| 2005 | $ 38.21M | $ 3.55M | $ 7.82M | $ 43.29M | $ 27.21M |
| 2004 | $ 38.22M | $ 3.49M | $ 7.66M | $ 35.94M | $ 25.88M |
| 2003 | $ 36.76M | $ 2.28M | $ 4.19M | $ 56.50M | $ 23.94M |
| 2002 | $ 34.86M | $ 2.17M | $ 3.18M | $ 19.49M | $ 23.04M |
| 2001 | $ 41.04M | $ 1.96M | $ 3.14M | $ 11.27M | $ 21.77M |
| 2000 | $ 41.79M | $ 3.18M | $ 3.98M | $ 10.64M | $ 22.00M |

Columns not available in this view: annualPriceMultiples, dividends. They require live market data and are shown on the HTML page instead.

## Leverage and liquidity

| Indicator | Value |
| --- | --- |
| Gross Debt / Eq | 0.10 |
| Liabilities / Eq | 6.70 |
| Current Ratio | 0.11 |

## Debt coverage

| Indicator | Value |
| --- | --- |
| Gross Debt / Earnings | 2.54 |
| Gross Debt / FCF | 1.03 |

## Other views

- [Metrics](https://sponda.capital/en/CITZ.md)
- [Charts](https://sponda.capital/en/CITZ/charts.md)
- [Compare](https://sponda.capital/en/CITZ/compare.md)
- [Indicator definitions](https://sponda.capital/en/screener.md)

Data as of 2026-08-30.