Professional
Added to YB: 2026-03-03
Pitch date: 2026-02-27
CZBS [neutral]
Citizens Bancshares Corporation
-0.88%
current return
Author Info
River Oaks Capital is an investment fund that invests in a concentrated number of small, underfollowed micro cap & small cap public companies. Sign up for the newsletter.
Company Info
Citizens Bancshares Corporation operates as the holding company for Citizens Trust Bank that provides various commercial banking services to individual and corporate customers.
Market Cap
$84.1M
Pitch Price
$47.92
Price Target
N/A
Dividend
2.09%
EV/EBITDA
N/A
P/E
7.67
EV/Sales
N/A
Sector
Banks
Category
value
River Oaks Capital Portfolio Holding: Citizens Bancshares Corporation
CZBS (holding update): Atlanta community bank at $80M mkt cap, ~2x BV of $170M post-ECIP redemption (H2 2026 at 20-28% of face). 2025 FCF $12M (15%+ yield), rising to $15-20M (18-20%+ yield, 5-6x P/E) as $60-70M deployed via lending/M&A. $4M buyback + $3M div ongoing. CEO Cynthia Day executing conservative growth strategy.
Read full article (2 min)