Citizens Bancshares
Financial ratios & Valuation

Historical Multiples (2014 – 2023)

2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 TTM Median
Valuation Ratios
Price/Earnings ratio
10.609.6010.3419.275.536.313.425.017.426.087.905.53
Price/Sales ratio
1.131.041.201.521.081.070.780.961.881.832.231.08
Price/Book Value ratio
0.380.340.420.710.500.500.380.270.310.420.540.50
Price/Cash Flow ratio
4.927.415.117.813.123.692.832.275.834.385.703.12
Price/Free Cash Flow ratio
5.428.466.6519.973.403.843.252.325.964.485.473.40
Price/Earnings Growth ratio
0.26-7.010.49-0.880.03-1.310.07-0.220.050.170.810.03
Dividend Yield
2.13%2.34%2.10%1.07%2.40%4.45%3.44%4.58%2.24%2.35%1.97%4.45%
Profitability Indicator Ratios
Gross Profit Margin
100%100%0.1%0.1%0.1%100%100%100%100%100%100%0.1%
Operating Profit Margin
11.44%12.74%15.71%20.46%25.27%21.62%26.72%24.63%42.95%36.87%36.87%25.27%
Pretax Profit Margin
11.44%12.74%16.48%20.50%25.14%21.56%26.67%24.62%42.95%39.17%39.17%25.14%
Net Profit Margin
10.65%10.91%11.65%7.91%19.57%17.01%23.05%19.17%25.44%30.16%30.16%19.57%
Effective Tax Rate
6.88%14.39%25.78%57.93%22.14%21.10%23.17%22.14%24%23.00%23.00%22.14%
Return on Assets
0.45%0.46%0.48%0.34%0.96%0.89%1.02%0.60%0.91%1.64%1.64%0.96%
Return On Equity
3.64%3.61%4.10%3.68%9.19%8.01%11.31%5.38%4.27%6.94%7.04%8.01%
Return on Capital Employed
0.49%0.54%0.66%0.90%1.25%2.28%5.14%3.16%4.62%5.70%5.70%1.25%
Liquidity Ratios
Current Ratio
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/A0.29N/A
Quick Ratio
9.89K8.02K8.3410.865.680.380.891.050.970.290.290.38
Cash ratio
9.89K8.02K8.3410.865.680.410.340.550.39-0.00-0.000.41
Days of Sales Outstanding
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Days of Inventory outstanding
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Operating Cycle
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Days of Payables Outstanding
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Cash Conversion Cycle
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Debt Ratios
Debt Ratio
0.000.010.000.000.000.000.000.000.000.000.000.00
Debt Equity Ratio
0.000.100.000.050.040.030.030.000.020.000.000.03
Long-term Debt to Capitalization
0.000.000.000.040.040.030.020.000.010.000.000.03
Total Debt to Capitalization
0.000.090.000.040.040.030.030.000.010.000.000.03
Interest Coverage Ratio
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/A18.24KN/A
Cash Flow to Debt Ratio
15.300.4418.211.743.733.754.2918.442.6937.0237.023.73
Company Equity Multiplier
7.987.718.3810.699.558.9311.018.864.684.214.218.93
Cash Flow Ratios
Operating Cash Flow / Sales Ratio
0.220.140.230.190.340.290.270.420.320.410.410.34
Free Cash Flow / Operating Cash Flow Ratio
0.900.870.760.390.910.960.870.970.970.970.970.91
Cash Flow Coverage Ratio
15.300.4418.211.743.733.754.2918.442.6937.0237.023.73
Short Term Coverage Ratio
N/A0.47N/AN/AN/AN/A19.2723.8324.2543.1043.10N/A
Dividend Payout Ratio
22.58%22.49%21.76%20.75%13.30%28.10%11.79%22.99%16.65%14.33%14.33%13.30%