CIZN (Citizens Holding Co) ROC (Joel Greenblatt) %: % (As of Mar. 2026)

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Director of Data and Quant Analytics at GuruFocus
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Charlie Tian
Founder & CEO of GuruFocus
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.

CIZN Citizens Holding Co CIZN
60 GF Score
Price $10.70
GF Value $11.35
Valuation Fairly Valued
! 4 Warning Signs
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What is Citizens Holding Co ROC (Joel Greenblatt) %?

Citizens Holding Co CIZN +2.88% 60 ROC (Joel Greenblatt) % is % as of Mar. 2026. 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 46 Banks companies, Citizens Holding Co ranks worse than 2173910.87% on this metric.

ROC (Joel Greenblatt) % does not apply to banks and insurance companies.

CIZN
60GF Score
Citizens Holding Co CIZN
ROC (Joel Greenblatt) % is just one metric. See GF Score™, valuation, warning signs, and more.
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What does a ROC (Joel Greenblatt) % of % mean?
Citizens Holding Co (CIZN) has a ROC (Joel Greenblatt) % of % as of Mar. 2026. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on Citizens Holding Co and its competitors. According to the industry distribution chart, Citizens Holding Co ranks #999999 out of 46 companies in the Banks industry.
Is Citizens Holding Co's ROC (Joel Greenblatt) % too high?
Citizens Holding Co's current ROC (Joel Greenblatt) % is %. Based on the distribution chart, Citizens Holding Co ranks #999999 out of 46 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 ROC (Joel Greenblatt) % compare to GVYB and BSPA?
According to the Banks industry distribution chart, Citizens Holding Co ranks #999999 out of 46 companies for ROC (Joel Greenblatt) %. This places Citizens Holding Co in the lower half of its industry. The industry median ROC (Joel Greenblatt) % is 63.39. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC (Joel Greenblatt) % for a Banks company?
The median ROC (Joel Greenblatt) % among Banks companies is 63.39, based on 46 companies in the industry. Companies in the top quartile (top 25%) have a ROC (Joel Greenblatt) % significantly above this median, while those in the bottom quartile fall well below. However, ROC (Joel Greenblatt) % 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 ROC (Joel Greenblatt) % mean?
A high ROC (Joel Greenblatt) % can signal that a stock is expensive relative to its fundamentals. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on Citizens Holding Co and its competitors. For the Banks industry, the median ROC (Joel Greenblatt) % is 63.39 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Citizens Holding Co's current ROC (Joel Greenblatt) % is %. 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 ROC (Joel Greenblatt) % is %. 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 ROC (Joel Greenblatt) % calculated?
ROC (Joel Greenblatt) % is calculated from a company's financial statements. For Citizens Holding Co (CIZN), the current ROC (Joel Greenblatt) % is % 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:

  • ROC (Joel Greenblatt) %: %
  • GF Value™: $11.35 vs. price of $10.70 (5.7% below fair value)
  • GF Score™: 60/100 with 4 warning signs

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 Business Description

Address 521 Main Street, Philadelphia, MS, USA, 39350
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

ROC (Joel Greenblatt) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$10.70
Price
$11.35
GF Value