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Citizens Holding CoCIZN +0.85%60 Pretax Margin % is 15.30% as of Mar. 2026, which is 25% below its 10-year median of 20.52. GuruFocus rates CIZN with a GF Score™ of 60/100 and a GF Value™ of $11.34 (Fairly Valued). The stock has 5 warning signs investors should review. Among 1,526 Banks companies, Citizens Holding Co ranks worse than 84.47% on this metric.
Citizens Holding Co (OTCPK:CIZN) Pretax Margin % Explanation
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
Citizens Holding Co Pretax Margin % Related Terms
Citizens Holding Co Pretax Margin % Historical Data
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The historical data trend for Citizens Holding Co's Pretax 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.
CIZN vs GVYB, BSPA, MBKL: Pretax Margin % Comparison
For the Banks - Regional subindustry, Citizens Holding Co's Pretax Margin %, along with its competitors' market caps and Pretax 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 Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Citizens Holding Co's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Citizens Holding Co's Pretax 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 Pretax Margin % of 15.30% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Citizens Holding Co and its competitors. This is 25% below median its historical median of 20.52. Over the past decade, Citizens Holding Co's Pretax Margin % has ranged from 4.75 to 25.56. According to the industry distribution chart, Citizens Holding Co ranks #1289 out of 1526 companies in the Banks industry, placing it in the top 84.5%.
Is Citizens Holding Co's Pretax Margin % too high?
Citizens Holding Co's current Pretax Margin % of 15.30% is 25% below median its 10-year median of 20.52. Over the past 10 years, this metric has ranged from a low of 4.75 to a high of 25.56. The Banks industry median Pretax Margin % is 35.36. Citizens Holding Co's value of 15.30% is 56.7% below this industry median. Based on the distribution chart, Citizens Holding Co ranks #1289 out of 1526 companies in the Banks industry, which is in the bottom quartile 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 Pretax Margin % compare to GVYB and BSPA?
According to the Banks industry distribution chart, Citizens Holding Co ranks #1289 out of 1526 companies for Pretax Margin %. This places Citizens Holding Co in the lower half of its industry. The industry median Pretax Margin % is 35.36. Citizens Holding Co's value of 15.30% is 56.7% below this benchmark. Historically, Citizens Holding Co's own Pretax Margin % has ranged from 4.75 to 25.56 over the past decade. While the company's 10-year median is 20.52 vs. the industry median of 35.36, 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 Pretax Margin % for a Banks company?
The median Pretax Margin % among Banks companies is 35.36, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Citizens Holding Co's current Pretax Margin % of 15.30% is 56.7% 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 Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Citizens Holding Co and its competitors. For the Banks industry, the median Pretax Margin % is 35.36 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Citizens Holding Co's current Pretax Margin % is 15.30%, which is 25% below median its own 10-year median of 20.52. 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 Pretax Margin % is 15.30%, which is 25% below median its 10-year median of 20.52 and 56.7% below the Banks industry median of 35.36. 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 Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For Citizens Holding Co (CIZN), the current Pretax Margin % is 15.30% 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:
Pretax Margin %: 15.30% (25% below median its 10-year median of 20.52)
GF Value™: $11.34 vs. price of $10.74 (5.3% below fair value)
Industry Position: 56.7% below the Banks median (#1289 of 1526)
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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