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EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Citizens Holding Co's Enterprise Value is $-10.60 Mil.
Citizens Holding Co's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $0.00 Mil. Therefore, Citizens Holding Co's EV-to-FCF for today is .
The historical rank and industry rank for Citizens Holding Co's EV-to-FCF or its related term are showing as below:
CIZN'
s EV-to-FCF Range Over the Past 10 Years
Min: -39.25 Med: 4.91 Max: 33.78
Current: -0.78
During the past 13 years, the highest EV-to-FCF of Citizens Holding Co was 33.78. The lowest was -39.25. And the median was 4.91.
CIZN's EV-to-FCF is ranked better than 89.42% of 1191
companies
in the Banks industry
Industry Median: 7.15
vs CIZN: -0.78
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Citizens Holding Co (OTCPK:CIZN) EV-to-FCF Explanation
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Citizens Holding Co's PE Ratio (TTM) for today is calculated as:
Citizens Holding Co's share price for today is $10.74.
Citizens Holding Co's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $1.440.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Citizens Holding Co EV-to-FCF Related Terms
Citizens Holding Co EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Citizens Holding Co's EV-to-FCF 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.
For the Banks - Regional subindustry, Citizens Holding Co's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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 EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Citizens Holding Co's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Citizens Holding Co's EV-to-FCF falls into.
Citizens Holding Co's current Enterprise Value is $-10.60 Mil.
Citizens Holding Co's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $0.00 Mil.
* 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.
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 $10.74 is trading 5.3% below its estimated GF Value™ of $11.34.
GuruFocus considers Citizens Holding Co to be Fairly Valued.
Key valuation signals for CIZN:
EV-to-FCF:
GF Value™: $11.34 vs. price of $10.74 (5.3% 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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