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18.87 (1y: -5%)
Market Cap 92 M P/E(ttm) 14.10
Enterprise Value 160.5 M P/B 1.00
CIZN- NAS (USA)
Citizens Holding Company
  • Currently 1/5
Business Predictability Rank: 1-Star (On Watch)
Back Testing Results:
Average gain of all 1-Star stocks: 1.1% per year.
% of Stocks that are in still loss if held for 10yrs: 45%.
Read more:
What is Predictability Rank?
Performances of real portfolio
Top Ranked Predictable Companies
$18.87
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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 : 5/10

vs
industry		 vs
history
Cash to Debt 0.55
CIZN's Cash to Debt is ranked lower than
67% of the 707 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.34 vs. CIZN: 0.55 )
CIZN' s 10-Year Cash to Debt Range
Min: 0.22   Max: No Debt
Current: 0.55
Equity to Asset 0.097
CIZN's Equity to Asset is ranked higher than
54% of the 882 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. CIZN: 0.097 )
CIZN' s 10-Year Equity to Asset Range
Min: 0.09   Max: 0.11
Current: 0.1
0.09
0.11
Interest Coverage No Debt
CIZN's Interest Coverage is ranked higher than
75% of the 882 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10000.00 vs. CIZN: No Debt )
CIZN' s 10-Year Interest Coverage Range
Min: No Debt   Max: No Debt
Current: No Debt
F-Score: 5
Z-Score: 0.37
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 (%) 23.40
CIZN's Operating margin (%) is ranked lower than
66% of the 719 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 28.90 vs. CIZN: 23.40 )
CIZN' s 10-Year Operating margin (%) Range
Min: 22.6   Max: 47.7
Current: 23.4
22.6
47.7
Net-margin (%) 18.8
CIZN's Net-margin (%) is ranked lower than
53% of the 793 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.60 vs. CIZN: 18.8 )
CIZN' s 10-Year Net-margin (%) Range
Min: 18.8   Max: 31.9
Current: 18.8
18.8
31.9
ROE (%) 7.6
CIZN's ROE (%) is ranked higher than
53% of the 775 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. CIZN: 7.6 )
CIZN' s 10-Year ROE (%) Range
Min: 7.6   Max: 15
Current: 7.6
7.6
15
ROA (%) 0.8
CIZN's ROA (%) is ranked higher than
52% of the 768 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. CIZN: 0.8 )
CIZN' s 10-Year ROA (%) Range
Min: 0.8   Max: 1.5
Current: 0.8
0.8
1.5
Revenue Growth (%) -0.8
CIZN's Revenue Growth (%) is ranked lower than
290697% of the 344 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.40 vs. CIZN: -0.8 )
CIZN' s 10-Year Revenue Growth (%) Range
Min: -0.8   Max: 10.5
Current: -0.8
-0.8
10.5
EBITDA Growth (%) -1.3
CIZN's EBITDA Growth (%) is ranked lower than
300300% of the 333 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.00 vs. CIZN: -1.3 )
CIZN' s 10-Year EBITDA Growth (%) Range
Min: -6.2   Max: 10
Current: -1.3
-6.2
10
EPS Growth (%) -1.1
CIZN's EPS Growth (%) is ranked lower than
302115% of the 331 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.00 vs. CIZN: -1.1 )
CIZN' s 10-Year EPS Growth (%) Range
Min: -3.2   Max: 6.7
Current: -1.1
-3.2
6.7
» 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) 14.10
CIZN's P/E(ttm) is ranked lower than
53% of the 792 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.80 vs. CIZN: 14.10 )
CIZN' s 10-Year P/E(ttm) Range
Min: 9.58   Max: 22.13
Current: 14.1
9.58
22.13
P/B 1.00
CIZN's P/B is ranked lower than
57% of the 876 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.94 vs. CIZN: 1.00 )
CIZN' s 10-Year P/B Range
Min: 0.93   Max: 2.44
Current: 1
0.93
2.44
P/S 2.59
CIZN's P/S is ranked lower than
53% of the 894 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.45 vs. CIZN: 2.59 )
CIZN' s 10-Year P/S Range
Min: 2.08   Max: 4.99
Current: 2.59
2.08
4.99
PFCF 8.70
CIZN's PFCF is ranked lower than
60% of the 694 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. CIZN: 8.70 )
CIZN' s 10-Year PFCF Range
Min: 5.33   Max: 17.97
Current: 8.7
5.33
17.97
EV-to-EBIT 20
CIZN's EV-to-EBIT is ranked lower than
63% of the 745 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.84 vs. CIZN: 20 )
CIZN' s 10-Year EV-to-EBIT Range
Min: 4.7   Max: 23.9
Current: 20
4.7
23.9
Shiller P/E 12.1
CIZN's Shiller P/E is ranked lower than
100% of the Companies
in the Global Banks - Regional - US industry.

( Industry Median: vs. CIZN: 12.1 )
CIZN' s 10-Year Shiller P/E Range
Min: 9.64   Max: 21.33
Current: 12.1
9.64
21.33

Dividend & Buy Back

vs
industry		 vs
history
Dividend Yield 4.66
CIZN's Dividend Yield is ranked higher than
92% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.59 vs. CIZN: 4.66 )
CIZN' s 10-Year Dividend Yield Range
Min: 2.23   Max: 5.33
Current: 4.66
2.23
5.33
Dividend Payout 0.6557
CIZN's Dividend Payout is ranked lower than
88% of the 575 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.30 vs. CIZN: 0.6557 )
CIZN' s 10-Year Dividend Payout Range
Min: 0.1   Max: 0.63
Current: 0.66
0.1
0.63
Dividend growth (3y) 2.1
CIZN's Dividend growth (3y) is ranked higher than
84% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. CIZN: 2.1 )
CIZN' s 10-Year Dividend growth (3y) Range
Min: 2.1   Max: 46.5
Current: 2.1
2.1
46.5
Yield on cost (5-Year) 5.61
CIZN's Yield on cost (5-Year) is ranked higher than
92% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. CIZN: 5.61 )
CIZN' s 10-Year Yield on cost (5-Year) Range
Min: 2.66   Max: 6.36
Current: 5.61
2.66
6.36
Share Buyback Rate 0.2
CIZN's Share Buyback Rate is ranked higher than
90% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -0.30 vs. CIZN: 0.2 )
CIZN' s 10-Year Share Buyback Rate Range
Min: 0.8   Max: -0.4
Current: 0.2

Valuation & Return

vs
industry		 vs
history
Price/Tangible Book 1.1
CIZN's Price/Tangible Book is ranked lower than
52% of the 797 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. CIZN: 1.1 )
CIZN' s 10-Year Price/Tangible Book Range
Min: 1   Max: 2.3
Current: 1.1
1
2.3
Price/DCF (Projected) 0.5
CIZN's Price/DCF (Projected) is ranked higher than
66% of the 503 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.60 vs. CIZN: 0.5 )
CIZN' s 10-Year Price/DCF (Projected) Range
Min: 0.5   Max: 0.7
Current: 0.5
0.5
0.7
Price/Median PS Value 0.8
CIZN's Price/Median PS Value is ranked higher than
66% of the 853 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. CIZN: 0.8 )
CIZN' s 10-Year Price/Median PS Value Range
Min: 0.7   Max: 1.3
Current: 0.8
0.7
1.3
Price/Graham Number 0.8
CIZN's Price/Graham Number is ranked higher than
55% of the 763 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. CIZN: 0.8 )
CIZN' s 10-Year Price/Graham Number Range
Min: 0.7   Max: 1.3
Current: 0.8
0.7
1.3
Earnings Yield (Greenblatt) 5.00
CIZN's Earnings Yield (Greenblatt) is ranked lower than
53% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.20 vs. CIZN: 5.00 )
CIZN' s 10-Year Earnings Yield (Greenblatt) Range
Min: 4.2   Max: 21.4
Current: 5
4.2
21.4
Forward Rate of Return (Yacktman) 3.91
CIZN's Forward Rate of Return (Yacktman) is ranked higher than
51% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.38 vs. CIZN: 3.91 )
CIZN' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 5.2   Max: 18.8
Current: 3.91
5.2
18.8

Business Description

Citizens Holding Company is a one-bank holding company incorporated under the laws of the State of Mississippi on February 16, 1982. The Company's wholly-owned subsidiary is The Citizens Bank of Philadelphia, Mississippi, which operates under a state bank charter and provides general banking services. Through its ownership of the Bank, the Company engages in a range of 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 certain services that are closely related to commercial banking such as credit life insurance and title insurance for its loan customers. The Company offers discount brokerage services through a networking agreement with First Tennessee Bank. The Company offers various loan products, such as secured and unsecured loans, and real estate loans, including single and multi-family housing, farm, residential and commercial construction, and commercial real estate loans. It also provides personal, corporate and limited trust services. The Bank offers credit life insurance and title insurance for its loan customers, discount brokerage services, and Internet and phone banking services. Additionally, the bank serves as a custodian of cemetery upkeep funds and insurance trusts. The Company and the Bank are subject to extensive federal and state regulation and supervision.
Company Website
SEC Reports
Industry: Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR
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Headlines

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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 

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