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Citizens Holding CoCIZN +0.85%60 Return-on-Tangible-Equity is 15.15% as of Mar. 2026, which is 98% above its 10-year median of 7.66. 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 1,522 Banks companies, Citizens Holding Co ranks better than 86.93% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Citizens Holding Co's annualized net income for the quarter that ended in Mar. 2026 was $7.54 Mil. Citizens Holding Co's average shareholder tangible equity for the quarter that ended in Mar. 2026 was $49.78 Mil. Therefore, Citizens Holding Co's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 15.15%.
The historical rank and industry rank for Citizens Holding Co's Return-on-Tangible-Equity or its related term are showing as below:
CIZN'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 4.27 Med: 7.66 Max: 19.43
Current: 18.62
During the past 13 years, Citizens Holding Co's highest Return-on-Tangible-Equity was 19.43%. The lowest was 4.27%. And the median was 7.66%.
CIZN's Return-on-Tangible-Equity is ranked better than 86.93% of 1522
companies
in the Banks industry
Industry Median: 11.375
vs CIZN: 18.62
Citizens Holding Co (OTCPK:CIZN) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Citizens Holding Co Return-on-Tangible-Equity Related Terms
Citizens Holding Co Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Citizens Holding Co's Return-on-Tangible-Equity 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-Equity Chart
CIZN vs GVYB, BSPA, MBKL: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, Citizens Holding Co's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Citizens Holding Co's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Citizens Holding Co's Return-on-Tangible-Equity 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-Equity, the net income of the last fiscal year and the average total shareholder tangible equity 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.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 15.15% mean?
Citizens Holding Co (CIZN) has a Return-on-Tangible-Equity of 15.15% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Citizens Holding Co and its competitors. This is 98% above median its historical median of 7.66. Over the past decade, Citizens Holding Co's Return-on-Tangible-Equity has ranged from 4.27 to 19.43. According to the industry distribution chart, Citizens Holding Co ranks #199 out of 1522 companies in the Banks industry, placing it in the top 13.1%.
Is Citizens Holding Co's Return-on-Tangible-Equity too high?
Citizens Holding Co's current Return-on-Tangible-Equity of 15.15% is 98% above median its 10-year median of 7.66. Over the past 10 years, this metric has ranged from a low of 4.27 to a high of 19.43. The Banks industry median Return-on-Tangible-Equity is 11.38. Citizens Holding Co's value of 15.15% is 33.2% above this industry median. Based on the distribution chart, Citizens Holding Co ranks #199 out of 1522 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 Return-on-Tangible-Equity compare to GVYB and BSPA?
According to the Banks industry distribution chart, Citizens Holding Co ranks #199 out of 1522 companies for Return-on-Tangible-Equity. This places Citizens Holding Co in the top 13% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Equity is 11.38. Citizens Holding Co's value of 15.15% is 33.2% above this benchmark. Historically, Citizens Holding Co's own Return-on-Tangible-Equity has ranged from 4.27 to 19.43 over the past decade. While the company's 10-year median is 7.66 vs. the industry median of 11.38, 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 Return-on-Tangible-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.38, based on 1,522 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity 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-Equity of 15.15% is 33.2% 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Citizens Holding Co and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.38 — 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-Equity is 15.15%, which is 98% above median its own 10-year median of 7.66. 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 Return-on-Tangible-Equity is 15.15%, which is 98% above median its 10-year median of 7.66 and 33.2% above the Banks industry median of 11.38. 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 Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Citizens Holding Co (CIZN), the current Return-on-Tangible-Equity is 15.15% 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:
Return-on-Tangible-Equity: 15.15% (98% above median its 10-year median of 7.66)
GF Value™: $11.34 vs. price of $10.74 (5.3% below fair value)
Industry Position: 33.2% above the Banks median (#199 of 1522)
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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Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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