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Citizens Holding Co's book value per share for the quarter that ended in Mar. 2026 was $11.19.
During the past 12 months, Citizens Holding Co's average Book Value Per Share Growth Rate was 24.70% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 16.40% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was -14.90% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was -8.40% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the book value growth rate using book value per share data.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Citizens Holding Co was 16.40% per year. The lowest was -29.90% per year. And the median was 5.10% per year.
Citizens Holding Co (OTCPK:CIZN) Book Value per Share Explanation
Usually a company's book value and Tangible Book per Share may not reflect its true value. The assets may be carried on the balance sheets at the original cost minus depreciation. This may underestimate the true economic values of the assets. It also may over-estimate their true economic value because the assets can become obsolete.
For financial companies such as banks and insurance companies, their assets may be reported in current market value of the assets owned. Book values of financial companies are more accurate indicator of the economic value of the company.
Citizens Holding Co Book Value per Share Related Terms
Citizens Holding Co Book Value per Share Historical Data
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The historical data trend for Citizens Holding Co's Book Value per Share can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
CIZN vs GVYB, BSPA, MBKL: Book Value per Share Comparison
For the Banks - Regional subindustry, Citizens Holding Co's PB Ratio, along with its competitors' market caps and PB Ratio data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Citizens Holding Co PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Citizens Holding Co's PB Ratio distribution charts can be found below:
* The bar in red indicates where Citizens Holding Co's PB Ratio falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Citizens Holding Co (CIZN) has a Book Value per Share of $11.19 as of Mar. 2026. Book value per share gives the per-share value of a company's stockholder equity. View historical data on Citizens Holding Co and its competitors.
Is Citizens Holding Co's Book Value per Share too high?
Citizens Holding Co's current Book Value per Share is $11.19. Overall, Citizens Holding Co has a GF Score™ of 60/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Citizens Holding Co's Book Value per Share compare to GVYB and BSPA?
Citizens Holding Co's Book Value per Share of $11.19 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Book Value per Share for a Banks company?
A good Book Value per Share depends on the Banks industry context. However, Book Value per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Book Value per Share mean?
A high Book Value per Share can signal that a stock is expensive relative to its fundamentals. Book value per share gives the per-share value of a company's stockholder equity. View historical data on Citizens Holding Co and its competitors. Citizens Holding Co's current Book Value per Share is $11.19. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Citizens Holding Co stock overvalued right now?
Based on GuruFocus' analysis, Citizens Holding Co (CIZN) is currently considered Fairly Valued. The stock's GF Value™ is $11.35, compared to a current price of $10.70 — trading 5.7% below its estimated fair value. The current Book Value per Share is $11.19. Citizens Holding Co's overall GF Score™ is 60/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Book Value per Share calculated?
Book Value per Share is calculated from a company's financial statements. For Citizens Holding Co (CIZN), the current Book Value per Share is $11.19 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Citizens Holding Co (CIZN) Overvalued in 2026?
Based on GuruFocus' analysis, Citizens Holding Co stock appears to be undervalued.
The current stock price of $10.70 is trading 5.7% below its estimated GF Value™ of $11.35.
GuruFocus considers Citizens Holding Co to be Fairly Valued.
Key valuation signals for CIZN:
Book Value per Share: $11.19
GF Value™: $11.35 vs. price of $10.70 (5.7% below fair value)
No single metric tells the full story. See the CIZN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Citizens Holding Co is a bank holding company. Through its subsidiary, it engages in various commercial and personal banking activities, such as 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 firm also provides certain services that are closely related to commercial banking, such as credit life insurance and title insurance for its loan customers. It also involves providing lending activities which include commercial, real estate, installment, and credit card loans. Majority of its revenues are derived from lending activities.
60GF Score
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Book Value per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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