Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
The historical data trend for Citizens Holding Co's OCF Margin % 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 OCF Margin %, along with its competitors' market caps and OCF Margin % 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 OCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Citizens Holding Co's OCF Margin % distribution charts can be found below:
* The bar in red indicates where Citizens Holding Co's OCF Margin % 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 OCF Margin % of 0.00% as of Mar. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Citizens Holding Co and its competitors. Over the past decade, Citizens Holding Co's OCF Margin % has ranged from 14.74 to 38.91. According to the industry distribution chart, Citizens Holding Co ranks #781 out of 1498 companies in the Banks industry, placing it in the top 52.1%.
Is Citizens Holding Co's OCF Margin % too high?
Citizens Holding Co's current OCF Margin % is 0.00%. Over the past 10 years, this metric has ranged from a low of 14.74 to a high of 38.91. Based on the distribution chart, Citizens Holding Co ranks #781 out of 1498 companies in the Banks industry, which is below the industry midpoint. 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 OCF Margin % compare to GVYB and BSPA?
According to the Banks industry distribution chart, Citizens Holding Co ranks #781 out of 1498 companies for OCF Margin %. This places Citizens Holding Co in the lower half of its industry. The industry median OCF Margin % is 29.16. Historically, Citizens Holding Co's own OCF Margin % has ranged from 14.74 to 38.91 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good OCF Margin % for a Banks company?
The median OCF Margin % among Banks companies is 29.16, based on 1,498 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Citizens Holding Co and its competitors. For the Banks industry, the median OCF Margin % is 29.16 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Citizens Holding Co's current OCF Margin % is 0.00%. 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 $11.34, compared to a current price of $10.74 — trading 5.3% below its estimated fair value. The current OCF Margin % is 0.00%. Citizens Holding Co's overall GF Score™ is 60/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For Citizens Holding Co (CIZN), the current OCF Margin % is 0.00% 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 $10.74 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:
OCF Margin %: 0.00%
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
Get the complete analysis for CIZN
OCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
CIZN has been successfully added to your 
