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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 4/10

vs
industry
vs
history
Cash to Debt 2.87
CIZN's Cash to Debt is ranked higher than
58% of the 973 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.48 vs. CIZN: 2.87 )
Ranked among companies with meaningful Cash to Debt only.
CIZN' s 10-Year Cash to Debt Range
Min: 0.22  Med: 0.47 Max: No Debt
Current: 2.87
Equity to Asset 0.09
CIZN's Equity to Asset is ranked lower than
60% of the 1290 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. CIZN: 0.09 )
Ranked among companies with meaningful Equity to Asset only.
CIZN' s 10-Year Equity to Asset Range
Min: 0.08  Med: 0.10 Max: 0.12
Current: 0.09
0.08
0.12
Interest Coverage 3.07
CIZN's Interest Coverage is ranked higher than
68% of the 1205 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. CIZN: 3.07 )
Ranked among companies with meaningful Interest Coverage only.
CIZN' s 10-Year Interest Coverage Range
Min: 0.53  Med: 0.95 Max: 3.07
Current: 3.07
0.53
3.07
F-Score: 5
WACC vs ROIC
2.32%
11.65%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 5/10

vs
industry
vs
history
Operating margin (%) 24.96
CIZN's Operating margin (%) is ranked lower than
60% of the 1357 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.54 vs. CIZN: 24.96 )
Ranked among companies with meaningful Operating margin (%) only.
CIZN' s 10-Year Operating margin (%) Range
Min: -111.5  Med: 30.95 Max: 47.74
Current: 24.96
-111.5
47.74
Net-margin (%) 20.00
CIZN's Net-margin (%) is ranked lower than
55% of the 1356 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.24 vs. CIZN: 20.00 )
Ranked among companies with meaningful Net-margin (%) only.
CIZN' s 10-Year Net-margin (%) Range
Min: 18.8  Med: 24.95 Max: 113.08
Current: 20
18.8
113.08
ROE (%) 9.16
CIZN's ROE (%) is ranked higher than
57% of the 1355 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.13 vs. CIZN: 9.16 )
Ranked among companies with meaningful ROE (%) only.
CIZN' s 10-Year ROE (%) Range
Min: 7.76  Med: 12.17 Max: 15.15
Current: 9.16
7.76
15.15
ROA (%) 0.80
CIZN's ROA (%) is ranked higher than
50% of the 1364 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. CIZN: 0.80 )
Ranked among companies with meaningful ROA (%) only.
CIZN' s 10-Year ROA (%) Range
Min: 0.78  Med: 1.22 Max: 1.61
Current: 0.8
0.78
1.61
ROC (Joel Greenblatt) (%) 46.87
CIZN's ROC (Joel Greenblatt) (%) is ranked lower than
64% of the 1348 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 74.52 vs. CIZN: 46.87 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
CIZN' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 33.08  Med: 49.68 Max: 117.61
Current: 46.87
33.08
117.61
Revenue Growth (3Y)(%) -1.30
CIZN's Revenue Growth (3Y)(%) is ranked lower than
66% of the 1149 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.70 vs. CIZN: -1.30 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
CIZN' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0  Med: 4.50 Max: 67.7
Current: -1.3
0
67.7
EBITDA Growth (3Y)(%) 1.80
CIZN's EBITDA Growth (3Y)(%) is ranked lower than
66% of the 1011 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.10 vs. CIZN: 1.80 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
CIZN' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0  Med: -0.90 Max: 9.8
Current: 1.8
0
9.8
EPS Growth (3Y)(%) 0.90
CIZN's EPS Growth (3Y)(%) is ranked lower than
69% of the 1020 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.20 vs. CIZN: 0.90 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
CIZN' s 10-Year EPS Growth (3Y)(%) Range
Min: -4.2  Med: 2.30 Max: 9
Current: 0.9
-4.2
9
» CIZN's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

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Ratios

vs
industry
vs
history
P/E(ttm) 13.42
CIZN's P/E(ttm) is ranked lower than
54% of the 1244 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.30 vs. CIZN: 13.42 )
Ranked among companies with meaningful P/E(ttm) only.
CIZN' s 10-Year P/E(ttm) Range
Min: 10.28  Med: 13.52 Max: 22.13
Current: 13.42
10.28
22.13
Forward P/E 11.70
CIZN's Forward P/E is ranked higher than
57% of the 750 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.38 vs. CIZN: 11.70 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 15.10
CIZN's PE(NRI) is ranked lower than
53% of the 1217 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.30 vs. CIZN: 15.10 )
Ranked among companies with meaningful PE(NRI) only.
CIZN' s 10-Year PE(NRI) Range
Min: 10.26  Med: 13.51 Max: 22.13
Current: 15.1
10.26
22.13
P/B 1.15
CIZN's P/B is ranked lower than
65% of the 1351 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.12 vs. CIZN: 1.15 )
Ranked among companies with meaningful P/B only.
CIZN' s 10-Year P/B Range
Min: 0.93  Med: 1.33 Max: 2.41
Current: 1.15
0.93
2.41
P/S 2.69
CIZN's P/S is ranked higher than
50% of the 1422 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.99 vs. CIZN: 2.69 )
Ranked among companies with meaningful P/S only.
CIZN' s 10-Year P/S Range
Min: 2.11  Med: 2.82 Max: 5.6
Current: 2.69
2.11
5.6
PFCF 11.23
CIZN's PFCF is ranked lower than
55% of the 825 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.60 vs. CIZN: 11.23 )
Ranked among companies with meaningful PFCF only.
CIZN' s 10-Year PFCF Range
Min: 6.04  Med: 10.50 Max: 34.13
Current: 11.23
6.04
34.13
POCF 9.89
CIZN's POCF is ranked lower than
55% of the 930 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.17 vs. CIZN: 9.89 )
Ranked among companies with meaningful POCF only.
CIZN' s 10-Year POCF Range
Min: 5.05  Med: 8.97 Max: 17.18
Current: 9.89
5.05
17.18
EV-to-EBIT 7.99
CIZN's EV-to-EBIT is ranked higher than
80% of the 1366 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.30 vs. CIZN: 7.99 )
Ranked among companies with meaningful EV-to-EBIT only.
CIZN' s 10-Year EV-to-EBIT Range
Min: 2.9  Med: 14.50 Max: 23.9
Current: 7.99
2.9
23.9
Shiller P/E 13.19
CIZN's Shiller P/E is ranked higher than
64% of the 771 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.62 vs. CIZN: 13.19 )
Ranked among companies with meaningful Shiller P/E only.
CIZN' s 10-Year Shiller P/E Range
Min: 9.59  Med: 12.37 Max: 21.33
Current: 13.19
9.59
21.33
Days Sales Outstanding 46.32
CIZN's Days Sales Outstanding is ranked lower than
62% of the 770 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 35.19 vs. CIZN: 46.32 )
Ranked among companies with meaningful Days Sales Outstanding only.
CIZN' s 10-Year Days Sales Outstanding Range
Min: 38.67  Med: 59.77 Max: 323.83
Current: 46.32
38.67
323.83

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 4.55
CIZN's Dividend Yield is ranked higher than
77% of the 2112 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.57 vs. CIZN: 4.55 )
Ranked among companies with meaningful Dividend Yield only.
CIZN' s 10-Year Dividend Yield Range
Min: 2.23  Med: 4.05 Max: 5.33
Current: 4.55
2.23
5.33
Dividend Payout 0.61
CIZN's Dividend Payout is ranked lower than
83% of the 1248 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.24 vs. CIZN: 0.61 )
Ranked among companies with meaningful Dividend Payout only.
CIZN' s 10-Year Dividend Payout Range
Min: 0.25  Med: 0.48 Max: 0.76
Current: 0.61
0.25
0.76
Dividend growth (3y) 0.40
CIZN's Dividend growth (3y) is ranked lower than
73% of the 640 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. CIZN: 0.40 )
Ranked among companies with meaningful Dividend growth (3y) only.
CIZN' s 10-Year Dividend growth (3y) Range
Min: 0  Med: 5.65 Max: 66.3
Current: 0.4
0
66.3
Yield on cost (5-Year) 4.95
CIZN's Yield on cost (5-Year) is ranked higher than
72% of the 2110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.91 vs. CIZN: 4.95 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
CIZN' s 10-Year Yield on cost (5-Year) Range
Min: 2.43  Med: 4.41 Max: 5.8
Current: 4.95
2.43
5.8
Share Buyback Rate -0.20
CIZN's Share Buyback Rate is ranked higher than
68% of the 931 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.50 vs. CIZN: -0.20 )
Ranked among companies with meaningful Share Buyback Rate only.
CIZN' s 10-Year Share Buyback Rate Range
Min: 1.1  Med: -0.10 Max: -0.5
Current: -0.2

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.21
CIZN's Price/Tangible Book is ranked lower than
60% of the 1331 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.18 vs. CIZN: 1.21 )
Ranked among companies with meaningful Price/Tangible Book only.
CIZN' s 10-Year Price/Tangible Book Range
Min: 1.02  Med: 1.53 Max: 2.27
Current: 1.21
1.02
2.27
Price/Projected FCF 0.59
CIZN's Price/Projected FCF is ranked higher than
53% of the 775 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.68 vs. CIZN: 0.59 )
Ranked among companies with meaningful Price/Projected FCF only.
CIZN' s 10-Year Price/Projected FCF Range
Min: 0.54  Med: 0.69 Max: 1.15
Current: 0.59
0.54
1.15
Price/Median PS Value 0.95
CIZN's Price/Median PS Value is ranked higher than
56% of the 1286 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.11 vs. CIZN: 0.95 )
Ranked among companies with meaningful Price/Median PS Value only.
CIZN' s 10-Year Price/Median PS Value Range
Min: 0.78  Med: 1.11 Max: 1.93
Current: 0.95
0.78
1.93
Price/Graham Number 0.85
CIZN's Price/Graham Number is ranked lower than
57% of the 1154 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.88 vs. CIZN: 0.85 )
Ranked among companies with meaningful Price/Graham Number only.
CIZN' s 10-Year Price/Graham Number Range
Min: 0.73  Med: 0.96 Max: 1.39
Current: 0.85
0.73
1.39
Earnings Yield (Greenblatt) (%) 15.01
CIZN's Earnings Yield (Greenblatt) (%) is ranked higher than
82% of the 1364 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. CIZN: 15.01 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
CIZN' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 4.2  Med: 6.90 Max: 34.6
Current: 15.01
4.2
34.6
Forward Rate of Return (Yacktman) (%) 10.42
CIZN's Forward Rate of Return (Yacktman) (%) is ranked lower than
57% of the 770 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.43 vs. CIZN: 10.42 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
CIZN' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: 4.7  Med: 8.40 Max: 12.9
Current: 10.42
4.7
12.9

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Citizens Holding Co is a one-bank holding company incorporated under the laws of the State of Mississippi on February 16, 1982. The Company, along with its subsidiary, the Bank, engages in commercial and personal banking activities, including accepting demand deposits, savings and time deposit accounts, making secured and unsecured loans, issuing letters of credit, originating mortgage loans, and providing personal and corporate trust services. The Company also provides services that are closely related to commercial banking such as credit life insurance and title insurance for its loan customers. The Company also offers discount brokerage services through a networking agreement with First Tennessee Bank. The Company's market consists principally of Neshoba, Newton, Leake, Scott, Attala, Lauderdale, Oktibbeha, Rankin, Lamar, Forrest, Harrison, Jackson, Winston and Kemper counties in Mississippi. Currently, there are approximately thirty different financial institutions in the Company's market competing for the same customer base. The Company competes in its market for loan and deposit products, along with many of the other services required by today's banking customer, on the basis of availability, quality and pricing. The Company and the Bank are subject to extensive federal and state regulation and supervision of the Federal Reserve Board.
» More Articles for CIZN

Headlines

Articles On GuruFocus.com
Guru Stocks Raising Dividends: LDR, ARE, JJSF, CIZN, EDUC Dec 12 2010 
Eight Dividend Growers In the News: CIZN, GGG, ENB,LECO, ECL, DE, JJSF, OGE Dec 06 2010 
16 Stocks Growing Their Cash Dividends: ARE,CIZN,DE,DIS,ECL, etc. Dec 06 2010 
June 28, 2010 52-Week Low Wrap-Up: BP Plc, Carrols Restaurant, First Financial Northwest, Monsanto, Jun 28 2010 
June 23, 2010 52-Week Low Wrap-Up: Alliant Techsystems, Brink’s Company, Charles Schwab, Citizens Jun 23 2010 
Citizens Holding Company Reports Operating Results (10-Q) May 10 2010 
Citizens Holding Company Reports Operating Results (10-Q) Nov 06 2009 
Citizens Holding Company (CIZN) Treasurer and CFO Robert Townsend Smith sells 5,005 Shares Aug 28 2009 
Citizens Holding Company Reports Operating Results (10-Q) Aug 10 2009 
Citizens Holding Company Reports Operating Results (10-Q) May 11 2009 

More From Other Websites
CITIZENS HOLDING CO /MS/ Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and... Jun 02 2015
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CITIZENS HOLDING CO /MS/ Files SEC form 10-Q, Quarterly Report May 11 2015
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Citizens Holding Company Reports Earnings Apr 17 2015
CITIZENS HOLDING CO /MS/ Files SEC form 10-K, Annual Report Mar 13 2015
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Citizens Holding Company Announces Cash Dividend Feb 27 2015
CITIZENS HOLDING CO /MS/ Files SEC form 8-K, Results of Operations and Financial Condition,... Jan 26 2015
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CITIZENS HOLDING CO /MS/ Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and... Nov 20 2014
Citizens Holding Company Announces Cash Dividend Nov 19 2014
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