Added to YB: 2025-01-14
Pitch date: 2025-01-11
CZBS [bullish]
Citizens Bancshares Corporation
-4.44%
current return
Author Info
Halvio Capital is an investment firm that seeks to compound capital at high rates of return while taking limited risk of capital impairment through separately managed accounts. The firm’s goal is to outperform the broader indices over a long time frame. 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
$93.4M
Pitch Price
$52.11
Price Target
124.40 (+150%)
Dividend
1.93%
Sector
Banks
Category
value
Investment Idea: Citizens Bancshares Corporation (CZBS)
CZBS: $93m mkt cap bank, 2025 7x P/E, 0.62x Adj TBV. $95.7m ECIP funding. 17% 2025 ROE potential. 53-140% upside at 11-13x P/E or 1-1.48x TBV. Catalysts: M&A, buybacks, uplisting. Risks: recession, rate shocks. Strong deposits, 40% Tier 1 ratio, 15% CET1.
Read full article (14 min)