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Citizens Holding CoCIZN +2.88%60 OCF Yield % is 24.99 as of Aug. 08, 2026, which is 109% above its 10-year median of 11.97. GuruFocus rates CIZN with a GF Score™ of 60/100 and a GF Value™ of $11.35 (Fairly Valued). The stock has 4 warning signs investors should review. Among 1,495 Banks companies, Citizens Holding Co ranks better than 79.46% on this metric.
OCF Yield % is calculated as Cash Flow from Operations divided by Market Capitalization. It is a financial solvency ratio that compares the operating cash flow a company is expected to earn against its market value.
Similar to Earnings Yield %, OCF Yield % is financial solvency ratio. A lower ratio suggests a less attractive investment, indicating that investors might not receive substantial returns in proportion to their investment. Conversely, a high operating cash flow yield signals that a company generates sufficient cash to comfortably meet its debts, obligations, and dividend payments, making it a promising investment choice.
Citizens Holding Co OCF Yield % Related Terms
Citizens Holding Co OCF Yield % Historical Data
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The historical data trend for Citizens Holding Co's OCF Yield % 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 Yield %, along with its competitors' market caps and OCF Yield % 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 Yield % vs Banks Industry
For the Banks industry and Financial Services sector, Citizens Holding Co's OCF Yield % distribution charts can be found below:
* The bar in red indicates where Citizens Holding Co's OCF Yield % 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 Yield % of 24.99 as of Aug. 08, 2026. OCF Yield is calculated as Cash Flow from Operations divided by Market Capitalization. View historical data on Citizens Holding Co and its competitors. This is 109% above median its historical median of 11.97. According to the industry distribution chart, Citizens Holding Co ranks #307 out of 1495 companies in the Banks industry, placing it in the top 20.5%.
Is Citizens Holding Co's OCF Yield % too high?
Citizens Holding Co's current OCF Yield % of 24.99 is 109% above median its 10-year median of 11.97. The Banks industry median OCF Yield % is 9.02. Citizens Holding Co's value of 24.99 is 177.1% above this industry median. Based on the distribution chart, Citizens Holding Co ranks #307 out of 1495 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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 Yield % compare to GVYB and BSPA?
According to the Banks industry distribution chart, Citizens Holding Co ranks #307 out of 1495 companies for OCF Yield %. This places Citizens Holding Co in the top 21% of its industry — outperforming the majority of peers. The industry median OCF Yield % is 9.02. Citizens Holding Co's value of 24.99 is 177.1% above this benchmark. While the company's 10-year median is 11.97 vs. the industry median of 9.02, Citizens Holding Co has consistently been above 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 OCF Yield % for a Banks company?
The median OCF Yield % among Banks companies is 9.02, based on 1,495 companies in the industry. Companies in the top quartile (top 25%) have a OCF Yield % significantly above this median, while those in the bottom quartile fall well below. However, OCF Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Citizens Holding Co's current OCF Yield % of 24.99 is 177.1% above 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 OCF Yield % mean?
A high OCF Yield % can signal that a stock is expensive relative to its fundamentals. OCF Yield is calculated as Cash Flow from Operations divided by Market Capitalization. View historical data on Citizens Holding Co and its competitors. For the Banks industry, the median OCF Yield % is 9.02 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Citizens Holding Co's current OCF Yield % is 24.99, which is 109% above median its own 10-year median of 11.97. 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 OCF Yield % is 24.99, which is 109% above median its 10-year median of 11.97 and 177.1% above the Banks industry median of 9.02. 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 OCF Yield % calculated?
OCF Yield % is calculated from a company's financial statements. For Citizens Holding Co (CIZN), the current OCF Yield % is 24.99 as of Aug. 08, 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:
OCF Yield %: 24.99 (109% above median its 10-year median of 11.97)
GF Value™: $11.35 vs. price of $10.70 (5.7% below fair value)
Industry Position: 177.1% above the Banks median (#307 of 1495)
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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