Citizens Bancshares Corporation
FAIR PRICE VALUATION
Updated daily
Model: DCF 50% · Relative 30% · Consensus 20%
MARKET PRICE
$49.71
FAIR PRICE
$74.16
MARGIN
$24.45
P/E Ratio
N/A
Div. Yield
2.39%
ROE
N/A
Market Cap
$90M
Small-cap
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FPI RATING
Consistent growth trajectory and attractive valuation, but below-average fundamental quality and elevated debt levels.
Analytical data, not an investment recommendation. Updated daily.
How we calculate this ↗MARGIN OF SAFETY
A 20% margin of safety below fair value — the conservative entry level for risk-aware investors.
SAFETY MARGIN
20%
Below fair value
ENTRY LEVEL
$59.33
Fair price × 0.80
DISTANCE
19.3%
Price to entry level
At the current price of $49.71, CZBS trades 19.3% below the conservative entry level of $59.33. The stock is currently priced below the 20% margin of safety threshold, indicating a potential value opportunity based on the model.
Margin of safety is a risk management concept, not an investment recommendation. The 20% threshold follows Benjamin Graham's value investing framework. Fair price and entry levels are model-based estimates updated daily. Learn more about Margin of Safety ↗
VALUATION HISTORY
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P/E RATIO HISTORY
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METHODOLOGY
How we calculate CZBS's fair price
Citizens Bancshares Corporation's fair price of $74.16 is derived from a blended model that combines DCF analysis (50%), relative valuation against Financial Services peers using metrics like P/E and EV/EBITDA (30%), and analyst consensus (20%). At the current market price of $49.71, CZBS trades 49.2% below its calculated fair value.
DCF MODEL · 50%
Discounted free cash flow analysis based on projected cash flows, discounted at a rate reflecting CZBS's risk profile.
RELATIVE · 30%
Comparing CZBS's valuation multiples against Financial Services peers to determine if the stock is over or undervalued relative to its industry.
ANALYST · 20%
Aggregated analyst price targets for CZBS, weighted by recency and analyst accuracy.
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What is the fair price of CZBS?+
Based on our blended model combining DCF analysis (50%), relative valuation against Financial Services peers (30%), and analyst consensus (20%), the fair price for Citizens Bancshares Corporation is $74.16. At the current market price of $49.71, CZBS trades 49.2% below its calculated fair value.
Is CZBS overvalued or undervalued?+
Citizens Bancshares Corporation is currently undervalued based on our valuation model. The stock trades at $49.71, which is 49.2% below the fair price of $74.16.
What is the margin of safety for CZBS?+
With a 20% margin of safety applied to the fair price of $74.16, the conservative entry level for CZBS is $59.33. At the current market price of $49.71, the stock trades 19.3% below this entry level. Margin of safety is a risk management concept from Benjamin Graham's value investing framework, not an investment recommendation.
How often is CZBS's fair price updated?+
We update fair price calculations for CZBS daily after market close. The current fair price of $74.16 incorporates the latest market data and sector multiples.
What factors affect CZBS's fair price calculation?+
CZBS's fair price of $74.16 is derived from DCF analysis (50% weight), relative valuation against Financial Services peers (30% weight), and analyst consensus (20% weight)., and dividend yield of 2.39%.
Is CZBS a good buy right now?+
At $49.71, CZBS trades 49.2% below our fair value estimate of $74.16. The stock is currently undervalued. Fair Price Index provides valuation data — always do your own research before investing.
Does CZBS pay dividends?+
CZBS has a dividend yield of 2.39%.
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Fair Price Index is for informational purposes only and does not constitute investment advice. Fair value calculations are model-based estimates and may not reflect actual market conditions. Always conduct your own research before making investment decisions.