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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 : 6/10

vs
industry
vs
history
Cash to Debt 2.09
CIZN's Cash to Debt is ranked lower than
52% of the 1421 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.30 vs. CIZN: 2.09 )
Ranked among companies with meaningful Cash to Debt only.
CIZN' s Cash to Debt Range Over the Past 10 Years
Min: 0.22  Med: 0.5 Max: No Debt
Current: 2.09
Equity to Asset 0.09
CIZN's Equity to Asset is ranked lower than
62% of the 1603 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 Equity to Asset Range Over the Past 10 Years
Min: 0.08  Med: 0.1 Max: 0.12
Current: 0.09
0.08
0.12
Interest Coverage 3.15
CIZN's Interest Coverage is ranked higher than
68% of the 1537 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. CIZN: 3.15 )
Ranked among companies with meaningful Interest Coverage only.
CIZN' s Interest Coverage Range Over the Past 10 Years
Min: 0.53  Med: 1.18 Max: 3.27
Current: 3.15
0.53
3.27
F-Score: 5
WACC vs ROIC
0.69%
10.48%
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 : 6/10

vs
industry
vs
history
Operating margin (%) 27.19
CIZN's Operating margin (%) is ranked lower than
59% of the 1633 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.85 vs. CIZN: 27.19 )
Ranked among companies with meaningful Operating margin (%) only.
CIZN' s Operating margin (%) Range Over the Past 10 Years
Min: 22.59  Med: 25.26 Max: 38.08
Current: 27.19
22.59
38.08
Net-margin (%) 20.70
CIZN's Net-margin (%) is ranked lower than
57% of the 1632 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.26 vs. CIZN: 20.70 )
Ranked among companies with meaningful Net-margin (%) only.
CIZN' s Net-margin (%) Range Over the Past 10 Years
Min: 18.8  Med: 20.17 Max: 28.46
Current: 20.7
18.8
28.46
ROE (%) 8.60
CIZN's ROE (%) is ranked higher than
52% of the 1628 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.38 vs. CIZN: 8.60 )
Ranked among companies with meaningful ROE (%) only.
CIZN' s ROE (%) Range Over the Past 10 Years
Min: 7.76  Med: 9.64 Max: 12.58
Current: 8.6
7.76
12.58
ROA (%) 0.77
CIZN's ROA (%) is ranked lower than
58% of the 1639 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. CIZN: 0.77 )
Ranked among companies with meaningful ROA (%) only.
CIZN' s ROA (%) Range Over the Past 10 Years
Min: 0.77  Med: 0.86 Max: 1.36
Current: 0.77
0.77
1.36
Revenue Growth (3Y)(%) 0.10
CIZN's Revenue Growth (3Y)(%) is ranked lower than
66% of the 1341 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.20 vs. CIZN: 0.10 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
CIZN' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -1.3  Med: 4.7 Max: 67.6
Current: 0.1
-1.3
67.6
EBITDA Growth (3Y)(%) 4.70
CIZN's EBITDA Growth (3Y)(%) is ranked lower than
55% of the 1228 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.90 vs. CIZN: 4.70 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
CIZN' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -7.3  Med: 0.6 Max: 13.6
Current: 4.7
-7.3
13.6
EPS Growth (3Y)(%) 3.90
CIZN's EPS Growth (3Y)(%) is ranked lower than
61% of the 1205 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. CIZN: 3.90 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
CIZN' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -4.2  Med: 2.5 Max: 9
Current: 3.9
-4.2
9
» CIZN's 10-Y Financials

Financials


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

» Details

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Business Description

Industry: Banks » Banks - Regional - US
Compare:OTCPK:MVBF, OTCPK:MNAT, NAS:TCFC, AMEX:EVBN, NAS:NWFL, NAS:UNTY, NAS:ISTR, NAS:NBN, NAS:AUBN, OTCPK:FRAF, NAS:UBFO, OTCPK:CWBB, NAS:FCCY, NAS:CFCB, NAS:CIVB, NAS:PEBK, OTCPK:QNBC, NAS:ENFC, NAS:CHEV, NYSE:MSL » details
Citizens Holding Co is a one-bank holding company. It is engaged in commercial and personal banking activities such as deposits, loans, letters of credit, mortgage loans, personal & corporate trust services, credit life insurance & title insurance.

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.

Ratios

vs
industry
vs
history
P/E(ttm) 14.20
CIZN's P/E(ttm) is ranked lower than
57% of the 1488 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.25 vs. CIZN: 14.20 )
Ranked among companies with meaningful P/E(ttm) only.
CIZN' s P/E(ttm) Range Over the Past 10 Years
Min: 10.26  Med: 13.55 Max: 22.13
Current: 14.2
10.26
22.13
PE(NRI) 14.20
CIZN's PE(NRI) is ranked lower than
57% of the 1488 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.29 vs. CIZN: 14.20 )
Ranked among companies with meaningful PE(NRI) only.
CIZN' s PE(NRI) Range Over the Past 10 Years
Min: 10.26  Med: 13.55 Max: 22.13
Current: 14.2
10.26
22.13
Price/Owner Earnings (ttm) 15.08
CIZN's Price/Owner Earnings (ttm) is ranked lower than
65% of the 830 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.71 vs. CIZN: 15.08 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
CIZN' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 13.24  Med: 17.76 Max: 32.16
Current: 15.08
13.24
32.16
P/B 1.15
CIZN's P/B is ranked lower than
59% of the 1591 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.04 vs. CIZN: 1.15 )
Ranked among companies with meaningful P/B only.
CIZN' s P/B Range Over the Past 10 Years
Min: 0.93  Med: 1.27 Max: 2.41
Current: 1.15
0.93
2.41
P/S 2.93
CIZN's P/S is ranked lower than
52% of the 1588 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.92 vs. CIZN: 2.93 )
Ranked among companies with meaningful P/S only.
CIZN' s P/S Range Over the Past 10 Years
Min: 2.11  Med: 2.8 Max: 5
Current: 2.93
2.11
5
PFCF 7.75
CIZN's PFCF is ranked higher than
62% of the 803 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.53 vs. CIZN: 7.75 )
Ranked among companies with meaningful PFCF only.
CIZN' s PFCF Range Over the Past 10 Years
Min: 6.08  Med: 10.07 Max: 72.15
Current: 7.75
6.08
72.15
POCF 7.45
CIZN's POCF is ranked higher than
58% of the 905 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.13 vs. CIZN: 7.45 )
Ranked among companies with meaningful POCF only.
CIZN' s POCF Range Over the Past 10 Years
Min: 5.06  Med: 8.84 Max: 15.36
Current: 7.45
5.06
15.36
EV-to-EBIT 8.57
CIZN's EV-to-EBIT is ranked higher than
68% of the 1293 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.80 vs. CIZN: 8.57 )
Ranked among companies with meaningful EV-to-EBIT only.
CIZN' s EV-to-EBIT Range Over the Past 10 Years
Min: 2.9  Med: 14 Max: 23.9
Current: 8.57
2.9
23.9
EV-to-EBITDA 8.57
CIZN's EV-to-EBITDA is ranked higher than
64% of the 1293 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.32 vs. CIZN: 8.57 )
Ranked among companies with meaningful EV-to-EBITDA only.
CIZN' s EV-to-EBITDA Range Over the Past 10 Years
Min: 2.9  Med: 14 Max: 23.9
Current: 8.57
2.9
23.9
PEG 11.15
CIZN's PEG is ranked lower than
95% of the 736 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. CIZN: 11.15 )
Ranked among companies with meaningful PEG only.
CIZN' s PEG Range Over the Past 10 Years
Min: 2.3  Med: 4.75 Max: 299.5
Current: 11.15
2.3
299.5
Shiller P/E 13.49
CIZN's Shiller P/E is ranked higher than
72% of the 487 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.59 vs. CIZN: 13.49 )
Ranked among companies with meaningful Shiller P/E only.
CIZN' s Shiller P/E Range Over the Past 10 Years
Min: 10  Med: 11.66 Max: 22.55
Current: 13.49
10
22.55

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 4.37
CIZN's Dividend Yield is ranked higher than
71% of the 2218 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.95 vs. CIZN: 4.37 )
Ranked among companies with meaningful Dividend Yield only.
CIZN' s Dividend Yield Range Over the Past 10 Years
Min: 2.23  Med: 4.28 Max: 5.33
Current: 4.37
2.23
5.33
Dividend Payout 0.62
CIZN's Dividend Payout is ranked lower than
84% of the 1316 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. CIZN: 0.62 )
Ranked among companies with meaningful Dividend Payout only.
CIZN' s Dividend Payout Range Over the Past 10 Years
Min: 0.25  Med: 0.5 Max: 0.77
Current: 0.62
0.25
0.77
Dividend Growth (3y) 1.90
CIZN's Dividend Growth (3y) is ranked lower than
73% of the 733 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.40 vs. CIZN: 1.90 )
Ranked among companies with meaningful Dividend Growth (3y) only.
CIZN' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 0  Med: 5.5 Max: 66.3
Current: 1.9
0
66.3
Forward Dividend Yield 4.42
CIZN's Forward Dividend Yield is ranked higher than
69% of the 2104 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.14 vs. CIZN: 4.42 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 4.68
CIZN's Yield on cost (5-Year) is ranked higher than
61% of the 2523 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.51 vs. CIZN: 4.68 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
CIZN' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 2.39  Med: 4.59 Max: 5.71
Current: 4.68
2.39
5.71
3-Year Average Share Buyback Ratio -0.10
CIZN's 3-Year Average Share Buyback Ratio is ranked higher than
74% of the 1039 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. CIZN: -0.10 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
CIZN' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -0.7  Med: -0.1 Max: 1.2
Current: -0.1
-0.7
1.2

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.14
CIZN's Price/Tangible Book is ranked lower than
53% of the 1582 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.12 vs. CIZN: 1.14 )
Ranked among companies with meaningful Price/Tangible Book only.
CIZN' s Price/Tangible Book Range Over the Past 10 Years
Min: 1.02  Med: 1.47 Max: 2.27
Current: 1.14
1.02
2.27
Price/Projected FCF 0.59
CIZN's Price/Projected FCF is ranked higher than
57% of the 850 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.67 vs. CIZN: 0.59 )
Ranked among companies with meaningful Price/Projected FCF only.
CIZN' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.54  Med: 0.65 Max: 1.12
Current: 0.59
0.54
1.12
Price/Median PS Value 1.05
CIZN's Price/Median PS Value is ranked lower than
57% of the 1510 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.03 vs. CIZN: 1.05 )
Ranked among companies with meaningful Price/Median PS Value only.
CIZN' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.78  Med: 1.11 Max: 1.57
Current: 1.05
0.78
1.57
Price/Graham Number 0.85
CIZN's Price/Graham Number is ranked lower than
53% of the 1370 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.84 vs. CIZN: 0.85 )
Ranked among companies with meaningful Price/Graham Number only.
CIZN' s Price/Graham Number Range Over the Past 10 Years
Min: 0.73  Med: 0.96 Max: 1.39
Current: 0.85
0.73
1.39
Earnings Yield (Greenblatt) (%) 11.71
CIZN's Earnings Yield (Greenblatt) (%) is ranked higher than
74% of the 1597 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.20 vs. CIZN: 11.71 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
CIZN' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 4.2  Med: 7.1 Max: 34.6
Current: 11.71
4.2
34.6
Forward Rate of Return (Yacktman) (%) 13.20
CIZN's Forward Rate of Return (Yacktman) (%) is ranked higher than
53% of the 850 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.09 vs. CIZN: 13.20 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
CIZN' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: 4  Med: 8.3 Max: 13.7
Current: 13.2
4
13.7

More Statistics

Revenue (TTM) (Mil) $36.10
EPS (TTM) $ 1.53
Beta-0.39
Short Percentage of Float0.18%
52-Week Range $19.01 - 25.42
Shares Outstanding (Mil)4.88
» 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/ Financials Aug 17 2016
CITIZENS HOLDING CO /MS/ Files SEC form 10-Q, Quarterly Report Aug 09 2016
Citizens Holding Co. (Mississippi) :CIZN-US: Earnings Analysis: Q2, 2016 By the Numbers : August 4,... Aug 04 2016
CITIZENS HOLDING CO /MS/ Files SEC form 8-K, Results of Operations and Financial Condition,... Jul 27 2016
Citizens posts 2Q profit Jul 26 2016
Citizens posts 2Q profit Jul 26 2016
Citizens Holding Company Reports Earnings Jul 26 2016
Citizens Holding Company Reports Earnings Jul 26 2016
Citizens Holding Co. (Mississippi) :CIZN-US: Earnings Analysis: Q1, 2016 By the Numbers : June 28,... Jun 28 2016
CITIZENS HOLDING CO /MS/ Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and... Jun 02 2016
Citizens Holding Company Announces Cash Dividend Jun 01 2016
Citizens Holding Company Announces Cash Dividend Jun 01 2016
CITIZENS HOLDING CO /MS/ Files SEC form 10-Q, Quarterly Report May 10 2016
CITIZENS HOLDING CO /MS/ Files SEC form 8-K, Submission of Matters to a Vote of Security Holders Apr 29 2016
Citizens Holding Co. (Mississippi) :CIZN-US: Earnings Analysis: Q1, 2016 By the Numbers Apr 27 2016
CITIZENS HOLDING CO /MS/ Files SEC form 8-K, Results of Operations and Financial Condition,... Apr 25 2016
Citizens Holding Company Reports Earnings Apr 22 2016
Citizens posts 1Q profit Apr 22 2016
Citizens posts 1Q profit Apr 22 2016
Citizens Holding Company Reports Earnings Apr 22 2016

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