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.
Citizens Holding CoCIZN +2.88%60 Return-on-Tangible-Asset is 0.50% as of Mar. 2026, which is 9% below its 10-year median of 0.55. 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 1,528 Banks companies, Citizens Holding Co ranks worse than 72.64% on this metric.
Return-on-Tangible-Asset is calculated as Net Income divided by its average total tangible assets. Total tangible assets equals to Total Assets minus Intangible Assets. Citizens Holding Co's annualizedNet Income for the quarter that ended in Mar. 2026 was $7.54 Mil. Citizens Holding Co's average total tangible assets for the quarter that ended in Mar. 2026 was $1,506.80 Mil. Therefore, Citizens Holding Co's annualized Return-on-Tangible-Asset for the quarter that ended in Mar. 2026 was 0.50%.
The historical rank and industry rank for Citizens Holding Co's Return-on-Tangible-Asset or its related term are showing as below:
CIZN'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 0.14 Med: 0.55 Max: 0.72
Current: 0.61
During the past 13 years, Citizens Holding Co's highest Return-on-Tangible-Asset was 0.72%. The lowest was 0.14%. And the median was 0.55%.
CIZN's Return-on-Tangible-Asset is ranked worse than 72.64% of 1528
companies
in the Banks industry
Industry Median: 1.01
vs CIZN: 0.61
Citizens Holding Co (OTCPK:CIZN) Return-on-Tangible-Asset Explanation
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companys earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companys tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
Citizens Holding Co Return-on-Tangible-Asset Related Terms
Citizens Holding Co Return-on-Tangible-Asset Historical Data
* Premium members only.
The historical data trend for Citizens Holding Co's Return-on-Tangible-Asset 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.
Citizens Holding Co Return-on-Tangible-Asset Chart
CIZN vs GVYB, BSPA, MBKL: Return-on-Tangible-Asset Comparison
For the Banks - Regional subindustry, Citizens Holding Co's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset 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 Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Citizens Holding Co's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Citizens Holding Co's Return-on-Tangible-Asset 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.
In the calculation of annual Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Mar. 2026) net income data.
What does a Return-on-Tangible-Asset of 0.50% mean?
Citizens Holding Co (CIZN) has a Return-on-Tangible-Asset of 0.50% as of Mar. 2026. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Citizens Holding Co and its competitors. This is near median its historical median of 0.55. Over the past decade, Citizens Holding Co's Return-on-Tangible-Asset has ranged from 0.14 to 0.72. According to the industry distribution chart, Citizens Holding Co ranks #1110 out of 1528 companies in the Banks industry, placing it in the top 72.6%.
Is Citizens Holding Co's Return-on-Tangible-Asset too high?
Citizens Holding Co's current Return-on-Tangible-Asset of 0.50% is near median its 10-year median of 0.55. Over the past 10 years, this metric has ranged from a low of 0.14 to a high of 0.72. The Banks industry median Return-on-Tangible-Asset is 1.01. Citizens Holding Co's value of 0.50% is 50.5% below this industry median. Based on the distribution chart, Citizens Holding Co ranks #1110 out of 1528 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 Return-on-Tangible-Asset compare to GVYB and BSPA?
According to the Banks industry distribution chart, Citizens Holding Co ranks #1110 out of 1528 companies for Return-on-Tangible-Asset. This places Citizens Holding Co in the lower half of its industry. The industry median Return-on-Tangible-Asset is 1.01. Citizens Holding Co's value of 0.50% is 50.5% below this benchmark. Historically, Citizens Holding Co's own Return-on-Tangible-Asset has ranged from 0.14 to 0.72 over the past decade. While the company's 10-year median is 0.55 vs. the industry median of 1.01, 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 Return-on-Tangible-Asset for a Banks company?
The median Return-on-Tangible-Asset among Banks companies is 1.01, based on 1,528 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Citizens Holding Co's current Return-on-Tangible-Asset of 0.50% is 50.5% 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 Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Citizens Holding Co and its competitors. For the Banks industry, the median Return-on-Tangible-Asset is 1.01 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Citizens Holding Co's current Return-on-Tangible-Asset is 0.50%, which is near median its own 10-year median of 0.55. 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 Return-on-Tangible-Asset is 0.50%, which is near median its 10-year median of 0.55 and 50.5% below the Banks industry median of 1.01. 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 Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For Citizens Holding Co (CIZN), the current Return-on-Tangible-Asset is 0.50% 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 $10.70 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:
Return-on-Tangible-Asset: 0.50% (near median its 10-year median of 0.55)
GF Value™: $11.35 vs. price of $10.70 (5.7% below fair value)
Industry Position: 50.5% below the Banks median (#1110 of 1528)
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
Return-on-Tangible-Asset 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 
