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CZBS Dividend DRIP Calculator 2026
2.18% YieldFinancial ServicesCitizens Bancshares Corporation · OTC
Price: $55.00 · Annual div: $1.20/share · Frequency: quarterly · Payout ratio: 50% · Ex-div: TBD
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🎯 When CZBS pays your bills
Year your monthly dividend income covers each expense (based on current settings)
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$10,000 in CZBS → $10.81M in 10 years · $755.95/month
About Citizens Bancshares Corporation (CZBS) — Dividend Analysis 2026
Citizens Bancshares Corporation functions as the parent company for Citizens Trust Bank, delivering a comprehensive suite of commercial banking solutions to both individual and business clients. The institution's financial offerings include checking and savings accounts, alongside demand and money market deposits. Its lending portfolio is diverse, spanning commercial, financial, and agricultural loans; secured personal loans for items like automobiles, marketable securities, and recreational vehicles; unsecured consumer credit; financing for commercial real estate and single-family homes; and construction and development loans. Beyond these, the company provides investment accounts and certificate of deposit account registry services (CDARS). Further services encompass merchant solutions such as point-of-sale terminals, credit and debit card processing, electronic benefits transfer, gift card programs, and internet shopping cart capabilities, in addition to cash management services and credit cards. Digital banking via online and mobile platforms, as well as check reordering, are also available. The bank maintains a physical presence with seven full-service branches: five situated across metropolitan Atlanta, one in Birmingham, Alabama, and another in Eutaw, Alabama. Founded in 1921, the corporation is headquartered in Atlanta, Georgia.
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This calculation uses the DividendFlow Engine v6.0. Data is verified daily against SEC filings and FMP real-time feeds to ensure projection accuracy.
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🌍 CZBS Yield by Country & Account Type
Real after-tax yield depends on where you live and how you hold CZBS.
| Account/Country | Tax Rate | After-tax Yield | Real Yield | $10K Annual Income |
|---|---|---|---|---|
| 🇺🇸 Roth IRA / 401k | 0% | 2.18% | -0.62% | $218 / yr |
| 🇺🇸 US Taxable (15%) ✓ | 15% | 1.85% | -0.95% | $185 / yr |
| 🇺🇸 US Taxable (20%) | 20% | 1.74% | -1.06% | $174 / yr |
| 🇬🇧 UK ISA | 0% | 2.18% | -0.62% | $218 / yr |
| 🇬🇧 UK Taxable | 8.75% | 1.99% | -0.81% | $199 / yr |
| 🇨🇦 TFSA | 0% | 2.18% | -0.62% | $218 / yr |
| 🇨🇦 CA Taxable | 25% | 1.64% | -1.16% | $164 / yr |
| 🇦🇺 Super (pension) | 15% | 1.85% | -0.95% | $185 / yr |
| 🇦🇺 AU Taxable | 30% | 1.53% | -1.27% | $153 / yr |
| 🇩🇪 DE Taxable | 26.375% | 1.61% | -1.19% | $161 / yr |
| 🇫🇷 FR Taxable | 30% | 1.53% | -1.27% | $153 / yr |
Real yield = after-tax yield minus US CPI of 2.8%. 12-month CPI (US BLS via FMP economic-indicators). Click any row to select. US withholding tax (30%, reducible by treaty) applies to non-US residents holding US stocks in taxable accounts.
🎯 CZBS Income Goal & Break-Even
12-month CPI (US BLS via FMP economic-indicators).
Based on current dividend of $1.20/share/yr · 🇺🇸 US Taxable (15%) · static projection (no growth assumed).
📅 CZBS Dividend Payment Schedule
CZBS pays quarterly — 4 times per year. Next ex-div: TBD.
📊 CZBS vs Financial Services Benchmarks
How CZBS compares to typical Financial Services averages.
Benchmarks: S&P 500 sector averages (2024–2026). Sources: Morningstar, Bloomberg, NAREIT. 5Y CAGR for CZBS sourced from FMP /financial-growth endpoint — real data, not estimates.
🏛️ CZBS Insider Activity
When executives buy their own stock, it's a signal they believe in the dividend's sustainability.
| Insider | Title | Type | Date | Shares | Price | Total Value |
|---|---|---|---|---|---|---|
| Buy | 2016-03-23 | 11,450 | $6.70 | $76.7K | ||
| F-InKind | 2016-03-23 | 5,432 | $6.70 | $36.4K | ||
| Buy | 2015-05-23 | 5,000 | $8.66 | $43.3K | ||
| F-InKind | 2015-05-23 | 2,178 | $8.66 | $18.9K | ||
| Buy | 2015-04-09 | 105 | $9.50 | $998.00 | ||
| Buy | 2015-03-24 | 106 | $8.99 | $953.00 | ||
| Buy | 2014-10-21 | 110 | $8.70 | $957.00 | ||
| Buy | 2013-12-30 | 156 | $6.15 | $959.00 | ||
| Buy | 2013-10-01 | 124 | $5.72 | $709.00 | ||
| Buy | 2013-09-26 | 46 | $5.70 | $262.00 |
Insider transactions sourced from SEC Form 4 filings via Financial Modeling Prep. See disclaimer.
Financial Health Scores
Altman Z-Score predicts bankruptcy risk. Piotroski F-Score measures financial strength across 9 criteria. High scores → lower dividend cut risk. Data via FMP financial statements.
Dividend yields, payout ratios, and financial metrics are sourced from Financial Modeling Prep (FMP) and cross-referenced with SEC EDGAR filings. Data is cached and updated every 24 hours via our nightly refresh. DRIP projections are forward-looking estimates, not guarantees.
Educational purposes only. Not financial advice. DividendFlow is not a registered investment advisor. Projections generated by the CZBS dividend calculator are estimates based on historical data and user inputs. Actual future returns, stock prices, and dividend payments will vary. Dividends can be cut or suspended at any time. All investments carry risk, including the loss of principal. Please consult a qualified financial professional before making any investment decisions. Full disclaimer →
Citizens Bancshares Corporation (CZBS) is currently trading at $55.00, trading near its 52-week high. The current dividend yield is 2.18% based on an annual payout of $1.20 per share.
CZBS (Citizens Bancshares Corporation) — 2.18% Dividend Yield Analysis
Citizens Bancshares Corporation (CZBS) is a financial services stock currently trading at $55.00 with a dividend yield of 2.18%. The company pays an annual dividend of $1.20 per share. The payout ratio of 50% suggests the dividend is well-covered by earnings. Over the past 5 years, CZBS has grown its dividend at a compound annual rate of 44.4%.
- Dividend payments are not guaranteed and can be reduced or suspended at any time.
Auto-generated from live market data. For educational purposes only — not financial advice.