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

Overview

Citizens Bancshares Corporation (CITZ) Cash on Hand — Cash & Short-Term Investments

Cash & cash equivalents plus short-term investments from the balance sheet, YoY change, and net cash vs debt context.

CITZ · cash on hand · updated Dec 31, 2025

Core cash position

as of Dec 31, 2025

Cash & Short-Term Investments (CCE + ST Investments)

$147.5M▼ -8.7% vs prior year

FY · as of Dec 31, 2025 · Reported in USD

Cash & Cash Equiv. (CCE)

$147.5M

cashAndCashEquivalents

Short-Term Investments

shortTermInvestments

YoY Change vs Prior Year

-8.7%

vs prior fiscal year

Latest Quarter

$38.5M

Q3 2016

Data Scope & Methodology

Cash on Hand = Cash & Cash Equivalents (CCE) + Short-Term Investments, as reported on the balance sheet (10-K/10-Q). Also referred to as cash reserves or cash position. Not free cash flow.

Source: FMP /balance-sheet-statement · SEC 10-K / 10-Q · Reported in USD

Source: FMP /balance-sheet-statement · SEC 10-K / 10-Q · USDUpdated: December 31, 2025

Net cash vs debt

Cash vs Debt · Balance Sheet Health

Cash & ST Investments$147.5MCash on Hand

Total Debt$25.0MTotal Debt

Net Cash / Net Debt+$122.5MNet Cash Position

Cash vs Debt Ratio

Cash 85%Citizens Bancshares Corporation cash as % of market cap: 162.82%% · MCap $0BDebt 15%

Citizens Bancshares Corporation has a net cash position of $122.5M, holding more cash than debt.

Net Cash = Cash & ST Investments − Total Debt$147.5M − $25.0M = +$122.5M

Cash on hand history

annual cash on hand trend · Cash & Short-Term Investments

YoY Increase

YoY Decrease

Latest Year

CITZ annual cash on hand history · Cash & Short-Term Investments · Source: FMP /balance-sheet-statement

Annual cash on hand by year

CITZ cash & short-term investments history

DatePeriodCash & ST InvestmentsYoY Change

Dec 31, 2025LatestFY$147.5M-8.7%

Dec 31, 2024FY$161.6M+8.6%

Dec 31, 2023FY$148.8M-29.6%

Dec 31, 2022FY$211.3M-25.0%

Dec 31, 2021FY$281.9M+84.7%

CITZ cash on hand annual historical data · Cash & Short-Term Investments per balance sheet (10-K/10-Q) · Reported in USD · Source: FMP /balance-sheet-statement

Financial Services Sector Cash Reserves Comparison

CITZ vs peers · cash on hand

#CompanyCash & ST Inv.Market CapCash/MCapRelative

Berkshire Hathaway Inc.

Mastercard Incorporated

$10.90B$429B2.5%

Citizens Bancshares CorporationYOU

CITZ

$147.5M$91M162.8%

Financial Services sector cash reserves · Source: FMP /balance-sheet-statement + /profile · Sorted by Cash desccompanies with most cash on hand →

About cash on hand & methodology

Citizens Bancshares Corporation (CITZ) cash on hand as of December 31, 2025 is $147.5M, comprising $147.5M in cash and cash equivalents (CCE) plus $0 in short-term investments — reported as Citizens Bancshares Corporation cash and short-term investments on the balance sheet (10-K filing). Also referred to as Citizens Bancshares Corporation cash reserves or cash position.

Citizens Bancshares Corporation annual cash on hand history shows decreased -8.7% in 2025: decreased -8.7% in 2025. Citizens Bancshares Corporation cash reserves in 2025 reflect the company's capital allocation strategy.

Citizens Bancshares Corporation carries total debt of $25.0M against cash of $147.5M, resulting in a net cash position of +$122.5M. For the full balance sheet, see the Financials → Balance Sheet tab.

Figures tie to SEC 10-K/10-Q balance sheet disclosures and FMP /balance-sheet-statement where noted.

Financial statements Free cash flow Net income Revenue Market cap P/E ratio Earnings Price history

Frequently asked questions

CITZ cash on hand · 5 questions

As of December 31, 2025, Citizens Bancshares Corporation (CITZ) has $147,484,000 in cash on hand — defined as cash and short-term investments on the balance sheet. This includes $147,484,000 in cash and cash equivalents (CCE) plus $0 in short-term investments. Latest quarter (September 30, 2016): $38,535,000. Data sourced from the annual 10-K filing via FMP.

CITZ cash on handCITZ cash reservesCITZ cash 2025how much cash does CITZ have

▸ Source: FMP /balance-sheet-statement · US GAAP · Citizens Bancshares Corporation · Citizens Bancshares Corporation SEC 10-K & 10-Q filings · US GAAP · Last updated: December 31, 2025