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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 5.07
CIZN's Cash-to-Debt is ranked higher than
62% of the 1659 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. CIZN: 5.07 )
Ranked among companies with meaningful Cash-to-Debt only.
CIZN' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.22  Med: 0.51 Max: No Debt
Current: 5.07
Equity-to-Asset 0.08
CIZN's Equity-to-Asset is ranked lower than
71% of the 1628 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. CIZN: 0.08 )
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: 0.08
0.08
0.12
Interest Coverage 2.57
CIZN's Interest Coverage is ranked higher than
61% of the 1586 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.72 vs. CIZN: 2.57 )
Ranked among companies with meaningful Interest Coverage only.
CIZN' s Interest Coverage Range Over the Past 10 Years
Min: 0.53  Med: 1.39 Max: 3.27
Current: 2.57
0.53
3.27
WACC vs ROIC
1.93%
15.91%
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 : 4/10

vs
industry
vs
history
Operating Margin % 23.22
CIZN's Operating Margin % is ranked lower than
70% of the 1666 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.66 vs. CIZN: 23.22 )
Ranked among companies with meaningful Operating Margin % only.
CIZN' s Operating Margin % Range Over the Past 10 Years
Min: 22.59  Med: 25 Max: 31.39
Current: 23.22
22.59
31.39
Net Margin % 19.14
CIZN's Net Margin % is ranked lower than
64% of the 1667 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.77 vs. CIZN: 19.14 )
Ranked among companies with meaningful Net Margin % only.
CIZN' s Net Margin % Range Over the Past 10 Years
Min: 18.8  Med: 19.7 Max: 24.59
Current: 19.14
18.8
24.59
ROE % 7.36
CIZN's ROE % is ranked lower than
61% of the 1667 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.51 vs. CIZN: 7.36 )
Ranked among companies with meaningful ROE % only.
CIZN' s ROE % Range Over the Past 10 Years
Min: 7.36  Med: 9.36 Max: 11.85
Current: 7.36
7.36
11.85
ROA % 0.65
CIZN's ROA % is ranked lower than
66% of the 1672 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.91 vs. CIZN: 0.65 )
Ranked among companies with meaningful ROA % only.
CIZN' s ROA % Range Over the Past 10 Years
Min: 0.65  Med: 0.85 Max: 1.14
Current: 0.65
0.65
1.14
3-Year Revenue Growth Rate -1.10
CIZN's 3-Year Revenue Growth Rate is ranked lower than
75% of the 1400 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.30 vs. CIZN: -1.10 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
CIZN' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -1.3  Med: 4.5 Max: 67.6
Current: -1.1
-1.3
67.6
3-Year EBITDA Growth Rate -2.50
CIZN's 3-Year EBITDA Growth Rate is ranked lower than
76% of the 1310 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. CIZN: -2.50 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
CIZN' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -7.3  Med: -0.5 Max: 13.6
Current: -2.5
-7.3
13.6
3-Year EPS without NRI Growth Rate -2.10
CIZN's 3-Year EPS without NRI Growth Rate is ranked lower than
74% of the 1268 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.30 vs. CIZN: -2.10 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
CIZN' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -4.2  Med: 2.3 Max: 9
Current: -2.1
-4.2
9
GuruFocus has detected 5 Warning Signs with Citizens Holding Co $CIZN.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» CIZN's 30-Y Financials

Financials (Next Earnings Date: 2017-07-26 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6022
Compare:OTCPK:HLAN, NAS:HWBK, NAS:ACFC, OTCPK:MNAT, NAS:LARK, OTCPK:KTYB, NAS:CBAN, NAS:RBPAA, NAS:FSFG, OTCPK:FDBC, NAS:SAL, OTCPK:FNCB, NAS:OVLY, OTCPK:CABC, NAS:AUBN, OTCPK:BKGMF, OTCPK:EMYB, NAS:MPB, OTCPK:EFSI, OTCPK:CPKF » details
Headquarter Location:USA
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
PE Ratio 18.07
CIZN's PE Ratio is ranked lower than
66% of the 1552 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.61 vs. CIZN: 18.07 )
Ranked among companies with meaningful PE Ratio only.
CIZN' s PE Ratio Range Over the Past 10 Years
Min: 10.26  Med: 13.57 Max: 22.13
Current: 18.07
10.26
22.13
PE Ratio without NRI 18.07
CIZN's PE Ratio without NRI is ranked lower than
66% of the 1551 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.65 vs. CIZN: 18.07 )
Ranked among companies with meaningful PE Ratio without NRI only.
CIZN' s PE Ratio without NRI Range Over the Past 10 Years
Min: 10.26  Med: 13.57 Max: 22.13
Current: 18.07
10.26
22.13
Price-to-Owner-Earnings 20.59
CIZN's Price-to-Owner-Earnings is ranked lower than
75% of the 906 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.97 vs. CIZN: 20.59 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
CIZN' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 13.24  Med: 17.79 Max: 32.16
Current: 20.59
13.24
32.16
PB Ratio 1.35
CIZN's PB Ratio is ranked lower than
60% of the 1629 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. CIZN: 1.35 )
Ranked among companies with meaningful PB Ratio only.
CIZN' s PB Ratio Range Over the Past 10 Years
Min: 0.93  Med: 1.25 Max: 2.41
Current: 1.35
0.93
2.41
PS Ratio 3.43
CIZN's PS Ratio is ranked lower than
51% of the 1612 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.37 vs. CIZN: 3.43 )
Ranked among companies with meaningful PS Ratio only.
CIZN' s PS Ratio Range Over the Past 10 Years
Min: 2.11  Med: 2.8 Max: 5
Current: 3.43
2.11
5
Price-to-Free-Cash-Flow 12.34
CIZN's Price-to-Free-Cash-Flow is ranked lower than
54% of the 880 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.48 vs. CIZN: 12.34 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
CIZN' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 5.02  Med: 9.87 Max: 27.2
Current: 12.34
5.02
27.2
Price-to-Operating-Cash-Flow 10.24
CIZN's Price-to-Operating-Cash-Flow is ranked higher than
50% of the 959 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.18 vs. CIZN: 10.24 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
CIZN' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 4.91  Med: 8.78 Max: 15.36
Current: 10.24
4.91
15.36
EV-to-EBIT 4.71
CIZN's EV-to-EBIT is ranked higher than
81% of the 1272 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.20 vs. CIZN: 4.71 )
Ranked among companies with meaningful EV-to-EBIT only.
CIZN' s EV-to-EBIT Range Over the Past 10 Years
Min: 2.7  Med: 13.6 Max: 23.9
Current: 4.71
2.7
23.9
EV-to-EBITDA 4.71
CIZN's EV-to-EBITDA is ranked higher than
79% of the 1277 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.93 vs. CIZN: 4.71 )
Ranked among companies with meaningful EV-to-EBITDA only.
CIZN' s EV-to-EBITDA Range Over the Past 10 Years
Min: 2.7  Med: 13.6 Max: 23.9
Current: 4.71
2.7
23.9
PEG Ratio 45.25
CIZN's PEG Ratio is ranked lower than
98% of the 853 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.41 vs. CIZN: 45.25 )
Ranked among companies with meaningful PEG Ratio only.
CIZN' s PEG Ratio Range Over the Past 10 Years
Min: 2.53  Med: 6.06 Max: 599
Current: 45.25
2.53
599
Shiller PE Ratio 15.30
CIZN's Shiller PE Ratio is ranked higher than
70% of the 510 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.16 vs. CIZN: 15.30 )
Ranked among companies with meaningful Shiller PE Ratio only.
CIZN' s Shiller PE Ratio Range Over the Past 10 Years
Min: 9.94  Med: 11.81 Max: 22.7
Current: 15.3
9.94
22.7

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 3.93
CIZN's Dividend Yield % is ranked higher than
71% of the 2337 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.66 vs. CIZN: 3.93 )
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: 3.93
2.23
5.33
Dividend Payout Ratio 0.71
CIZN's Dividend Payout Ratio is ranked lower than
88% of the 1342 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.32 vs. CIZN: 0.71 )
Ranked among companies with meaningful Dividend Payout Ratio only.
CIZN' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.46  Med: 0.59 Max: 0.71
Current: 0.71
0.46
0.71
3-Year Dividend Growth Rate 2.90
CIZN's 3-Year Dividend Growth Rate is ranked lower than
66% of the 805 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. CIZN: 2.90 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
CIZN' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: 0  Med: 5.35 Max: 66.3
Current: 2.9
0
66.3
Forward Dividend Yield % 3.93
CIZN's Forward Dividend Yield % is ranked higher than
69% of the 2234 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.88 vs. CIZN: 3.93 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 4.30
CIZN's 5-Year Yield-on-Cost % is ranked higher than
61% of the 2672 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.41 vs. CIZN: 4.30 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
CIZN' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 2.44  Med: 4.68 Max: 5.83
Current: 4.3
2.44
5.83
3-Year Average Share Buyback Ratio -0.10
CIZN's 3-Year Average Share Buyback Ratio is ranked higher than
74% of the 1086 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.80 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-to-Tangible-Book 1.35
CIZN's Price-to-Tangible-Book is ranked lower than
54% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.27 vs. CIZN: 1.35 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
CIZN' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 1.02  Med: 1.46 Max: 2.27
Current: 1.35
1.02
2.27
Price-to-Intrinsic-Value-Projected-FCF 0.72
CIZN's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
56% of the 916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.78 vs. CIZN: 0.72 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
CIZN' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.52  Med: 0.63 Max: 1.03
Current: 0.72
0.52
1.03
Price-to-Median-PS-Value 1.23
CIZN's Price-to-Median-PS-Value is ranked lower than
60% of the 1561 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. CIZN: 1.23 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
CIZN' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.78  Med: 1.12 Max: 1.57
Current: 1.23
0.78
1.57
Price-to-Graham-Number 1.04
CIZN's Price-to-Graham-Number is ranked lower than
57% of the 1460 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.94 vs. CIZN: 1.04 )
Ranked among companies with meaningful Price-to-Graham-Number only.
CIZN' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.73  Med: 0.96 Max: 1.39
Current: 1.04
0.73
1.39
Earnings Yield (Greenblatt) % 21.23
CIZN's Earnings Yield (Greenblatt) % is ranked higher than
85% of the 1671 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.85 vs. CIZN: 21.23 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
CIZN' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 4.2  Med: 7.3 Max: 36.4
Current: 21.23
4.2
36.4
Forward Rate of Return (Yacktman) % 10.65
CIZN's Forward Rate of Return (Yacktman) % is ranked lower than
52% of the 955 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.14 vs. CIZN: 10.65 )
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: 5.2  Med: 9.8 Max: 15
Current: 10.65
5.2
15

More Statistics

Revenue (TTM) (Mil) $34.73
EPS (TTM) $ 1.35
Beta-0.32
Short Percentage of Float0.13%
52-Week Range $21.07 - 26.61
Shares Outstanding (Mil)4.89
» 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. (Mississippi) : CIZN-US: Dividend Analysis : June 15th, 2017 (record date) : By... Jun 14 2017
Citizens Holding Co. (Mississippi) :CIZN-US: Earnings Analysis: Q1, 2017 By the Numbers : June 12,... Jun 12 2017
Citizens Holding Company Announces Cash Dividend Jun 02 2017
Citizens posts 1Q profit Apr 20 2017
Citizens Holding Company Reports Earnings Apr 20 2017
Citizens Holding Co. (Mississippi) :CIZN-US: Earnings Analysis: Q4, 2016 By the Numbers : February... Feb 01 2017
Citizens Holding Co. (Mississippi) :CIZN-US: Earnings Analysis: 2016 By the Numbers : January 31,... Jan 31 2017
Citizens Holding Co. (Mississippi) :CIZN-US: Earnings Analysis: Q3, 2016 By the Numbers : October... Oct 25 2016
Citizens Holding Co. (Mississippi) : CIZN-US: Dividend Analysis : September 15th, 2016 (record date)... Oct 21 2016
Citizens Holding Co. (Mississippi) :CIZN-US: Earnings Analysis: Q2, 2016 By the Numbers : August 4,... Aug 04 2016

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