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Citizens Holding CoCIZN -0.09%55 Debt-to-Equity is 0.28 as of Mar. 2026, which is 4% above its 10-year median of 0.27. GuruFocus rates CIZN with a GF Score™ of 55/100 and a GF Value™ of $11.42 (Fairly Valued). The stock has 3 warning signs investors should review. Among 1,411 Banks companies, Citizens Holding Co ranks better than 73.14% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Citizens Holding Co's Debt-to-Equity or its related term are showing as below:
CIZN'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.13 Med: 0.27 Max: 0.69
Current: 0.25
During the past 13 years, the highest Debt-to-Equity Ratio of Citizens Holding Co was 0.69. The lowest was 0.13. And the median was 0.27.
CIZN's Debt-to-Equity is ranked better than 73.14% of 1411
companies
in the Banks industry
Industry Median: 0.58
vs CIZN: 0.25
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Citizens Holding Co Debt-to-Equity Related Terms
Citizens Holding Co Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for Citizens Holding Co's Debt-to-Equity 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 MBKL, DENI, FFBW: Debt-to-Equity Comparison
For the Banks - Regional subindustry, Citizens Holding Co's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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 Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Citizens Holding Co's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Citizens Holding Co's Debt-to-Equity 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 Debt-to-Equity of 0.28 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Citizens Holding Co and its competitors. This is near median its historical median of 0.27. Over the past decade, Citizens Holding Co's Debt-to-Equity has ranged from 0.13 to 0.69. According to the industry distribution chart, Citizens Holding Co ranks #379 out of 1411 companies in the Banks industry, placing it in the top 26.9%.
Is Citizens Holding Co's Debt-to-Equity too high?
Citizens Holding Co's current Debt-to-Equity of 0.28 is near median its 10-year median of 0.27. Over the past 10 years, this metric has ranged from a low of 0.13 to a high of 0.69. The Banks industry median Debt-to-Equity is 0.58. Citizens Holding Co's value of 0.28 is 51.7% below this industry median. Based on the distribution chart, Citizens Holding Co ranks #379 out of 1411 companies in the Banks industry, which is above the industry midpoint. Overall, Citizens Holding Co has a GF Score™ of 55/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Citizens Holding Co's Debt-to-Equity compare to MBKL and DENI?
According to the Banks industry distribution chart, Citizens Holding Co ranks #379 out of 1411 companies for Debt-to-Equity. This puts Citizens Holding Co in the upper half of its industry. The industry median Debt-to-Equity is 0.58. Citizens Holding Co's value of 0.28 is 51.7% below this benchmark. Historically, Citizens Holding Co's own Debt-to-Equity has ranged from 0.13 to 0.69 over the past decade. While the company's 10-year median is 0.27 vs. the industry median of 0.58, Citizens Holding Co has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.58, based on 1,411 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Citizens Holding Co's current Debt-to-Equity of 0.28 is 51.7% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Citizens Holding Co and its competitors. For the Banks industry, the median Debt-to-Equity is 0.58 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Citizens Holding Co's current Debt-to-Equity is 0.28, which is near median its own 10-year median of 0.27. 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 $11.42, compared to a current price of $10.55 — trading 7.6% below its estimated fair value. The current Debt-to-Equity is 0.28, which is near median its 10-year median of 0.27 and 51.7% below the Banks industry median of 0.58. Citizens Holding Co's overall GF Score™ is 55/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Citizens Holding Co (CIZN), the current Debt-to-Equity is 0.28 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 $10.55 is trading 7.6% below its estimated GF Value™ of $11.42.
GuruFocus considers Citizens Holding Co to be Fairly Valued.
Key valuation signals for CIZN:
Debt-to-Equity: 0.28 (near median its 10-year median of 0.27)
GF Value™: $11.42 vs. price of $10.55 (7.6% below fair value)
Industry Position: 51.7% below the Banks median (#379 of 1411)
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.
55GF Score
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