Citizens Bancshares Corporation

CITZOTCFinancial Services● Active

$43.48

+$1.48(+3.52%)

Market Cap$90581449

P/E Ratio—

52W High$43.48

52W Low$30.333

Avg Volume506

Open$42.00

Beta-0.04

Free Cash Flow Financials Revenue

Citizens Bancshares Corporation (CITZ) Free Cash Flow & Analysis

Annual & trailing free cash flow, FCF margin, YoY change, valuation ratios, and peer context.

CITZ · free cash flow · updated Jun 9, 2026

Core FCF metrics

CITZ · FCF · TTM · margin & CAGR

Free cash flow was $14.5M for FY2025 (fiscal year ending 2025-12-31), up 65.9% year-over-year The FCF margin was 23.6%. Five-year CAGR stands at +62.8%.

FY2025 Free Cash Flow$14.5M▲ +65.9% YoY

Trailing 12M (TTM)$648,157trailing 4 quarters sum

FCF Margin23.6%$14.5M ÷ revenue

3-Year CAGR+10.2%FY2022 → FY2025

5-Year CAGR+62.8%FY2020 → FY2025

FormulaFCF = Operating Cash Flow − Capital ExpendituresTTM = trailing 4 quarters sumCAGR → N/A if either endpoint ≤ 0

Source: FMP /cash-flow-statement · SEC 10-K / 10-Q · USDUpdated: Jun 9, 2026

Annual free cash flow history

FCF ($B, upper) · YoY Growth % (lower)

Positive FCFNegative FCF

Free Cash Flow

YoY Growth %

Annual free cash flow data

CITZ · free cash flow history · annual / quarterly

Fiscal YearOperating CFCapExFree Cash FlowYoY ChangeFCF Margin

FY2025Latest$15.4M(1M)$14.5M▲ +65.9%23.6%

FY2024$10.6M(2M)$8.8M▼ 26.6%20.4%

FY2023$12.3M(0M)$11.9M▲ +9.9%27.4%

FY2022$11.5M(1M)$10.9M▼ 14.7%30.5%

FY2021$14.4M(2M)$12.7M▲ +901.3%42.4%

FCF = Operating Cash Flow − Capital Expenditures · CapEx shown as (negative) · Source: SEC filings via FMP

FCF valuation metrics

CITZ · P/FCF · FCF yield · FCF per share

Citizens Bancshares Corporation (CITZ) trades at a FCF yield of 15.16% and a price-to-free-cash-flow ratio of 131.8x. FCF per share stands at $0.33, calculated using trailing twelve-month FCF divided by basic weighted-average shares outstanding.

FCF Yield (TTM)

15.16%

Free Cash Flow ÷ Market Cap

per FMP freeCashFlowYieldTTM definition

FCF per Share (TTM)

$0.33

TTM FCF ÷ Shares Outstanding

Price / FCF

x131.8

Share Price ÷ FCF per Share

EV / FCF (TTM)

x-1.8

Enterprise Value basis

Source: FMP /key-metrics-ttm · /cash-flow-statement Q · /income-statementFY2025 · 2025-12-31

Cash flow statement summary

CITZ · cash flow statement · operating / investing / financing

For FY2025, Citizens Bancshares Corporation generated $15.4M in operating cash flow and spent 1M in capital expenditures, yielding $14.5M in free cash flow.

Operating Activities

+$15.4M

Cash from core business operations

2025-12-31

Investing Activities

−$42.7M

CapEx, acquisitions & investments

2025-12-31

Financing Activities

+$17.3M

Buybacks, dividends & debt

2025-12-31

FCF FormulaOperating CF ($15.4M) − |CapEx| (1M) = FCF ($14.5M)

For the complete Operating / Investing / Financing line-item breakdown:

View Full Cash Flow Statement →

Free cash flow vs peers (Financial Services)

CITZ vs peers · FCF

#CompanyFree Cash FlowYoYFCF MarginRelative

Citizens Bancshares CorporationYOU

CITZ

$14.5M+65.9%23.6%

Berkshire Hathaway Inc.

BRK-B

$25.04B+115.6%6.7%

25%

Berkshire Hathaway Inc.

Mastercard Incorporated

$16.91B+18.2%51.6%

17%

Financial Services · Sorted by FCF · FMP /cash-flow-statementFull FCF Rankings →

About Free Cash Flow & Methodology

Citizens Bancshares Corporation (CITZ) reported free cash flow of $14.5M for FY2025 (fiscal year ending 2025-12-31), up 65.9% year-over-year. The FCF margin was 23.6%.

Based on available data, Citizens Bancshares Corporation has maintained positive free cash flow for at least 14 fiscal year(s). FCF peaked at $14.5M in FY2025. The 5-year CAGR stands at +62.8%.

Citizens Bancshares Corporation's FCF yield is 15.16% and price-to-FCF ratio is 131.8x for FY2025, based on the latest available data.

Data sourced from FMP /cash-flow-statement · SEC 10-K / 10-Q · USD.

Q&A and summaries align with SEC 10-K/10-Q cash flow disclosures and FMP /cash-flow-statement where noted.

Revenue Financial statements Net income Earnings Forecast Price history Market cap Cash on hand P/E ratio

Frequently asked questions

CITZ free cash flow · 8 questions

Citizens Bancshares Corporation free cash flow was $14.5M for FY2025, up 65.9% year-over-year. On a trailing twelve-month (TTM) basis, free cash flow stands at $648,157.

CITZ free cash flowCITZ FCFCITZ FCF 2025CITZ free cash flow TTM

▸ Source: FMP /cash-flow-statement · US GAAP · Citizens Bancshares Corporation · Citizens Bancshares Corporation SEC 10-K & 10-Q filings · US GAAP · Last updated: Jun 9, 2026