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Return on Retained Earnings (RORE) is an indicator of a company's growth potential, it shows how much a company earns by reinvesting its retained earnings, i.e. profits after dividend payments.
Citizens Holding Co's 3-Year RORE % for the quarter that ended in Mar. 2026 was 46.24%.
The industry rank for Citizens Holding Co's 3-Year RORE % or its related term are showing as below:
CIZN's 3-Year RORE % is ranked better than 89.93% of 1470
companies
in the Banks industry
Industry Median: 9.95
vs CIZN: 46.24
Citizens Holding Co (OTCPK:CIZN) 3-Year RORE % Explanation
Return on Retained Earnings (RORE) is important to investors because it reveals a company's efficiency and growth potential. A higher RORE indicates a higher return. A high RORE indicates that the company should reinvest profits into the business. A lower RORE suggests that the company should distribute profits to shareholders by paying out dividends, since those dollars aren't generating much additional growth for the company.
There are a several different ways to arrive at the Return on Retained Earnings. The simplest way to calculate it is by using published information on Earnings per Share (EPS) and Dividend per Share (DPS) over a selected period. Here, 3-year period is chosen.
Be Aware
Please keep in mind that the RORE is relative to the nature of the business and its competitors. If another company in the same sector is producing a lower return on retained earnings, it doesn’t necessarily mean it’s a bad investment. It may just suggest the company is older and no longer in a high growth stage. At such a stage in the business cycle, it would be expected to see a lower RORE and higher dividend payout.
Citizens Holding Co 3-Year RORE % Related Terms
Citizens Holding Co 3-Year RORE % Historical Data
* Premium members only.
The historical data trend for Citizens Holding Co's 3-Year RORE % 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: 3-Year RORE % Comparison
For the Banks - Regional subindustry, Citizens Holding Co's 3-Year RORE %, along with its competitors' market caps and 3-Year RORE % 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 3-Year RORE % vs Banks Industry
For the Banks industry and Financial Services sector, Citizens Holding Co's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where Citizens Holding Co's 3-Year RORE % 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 3-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Mar. 2026 and 3-year before.
Citizens Holding Co (CIZN) has a 3-Year RORE % of 46.24 as of Mar. 2026. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Citizens Holding Co and its competitors. According to the industry distribution chart, Citizens Holding Co ranks #148 out of 1470 companies in the Banks industry, placing it in the top 10.1%.
Is Citizens Holding Co's 3-Year RORE % too high?
Citizens Holding Co's current 3-Year RORE % is 46.24. The Banks industry median 3-Year RORE % is 9.95. Citizens Holding Co's value of 46.24 is 364.7% above this industry median. Based on the distribution chart, Citizens Holding Co ranks #148 out of 1470 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 3-Year RORE % compare to GVYB and BSPA?
According to the Banks industry distribution chart, Citizens Holding Co ranks #148 out of 1470 companies for 3-Year RORE %. This places Citizens Holding Co in the top 10% of its industry — outperforming the majority of peers. The industry median 3-Year RORE % is 9.95. Citizens Holding Co's value of 46.24 is 364.7% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year RORE % for a Banks company?
The median 3-Year RORE % among Banks companies is 9.95, based on 1,470 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year RORE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Citizens Holding Co's current 3-Year RORE % of 46.24 is 364.7% 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 3-Year RORE % mean?
A high 3-Year RORE % can signal that a stock is expensive relative to its fundamentals. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Citizens Holding Co and its competitors. For the Banks industry, the median 3-Year RORE % is 9.95 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Citizens Holding Co's current 3-Year RORE % is 46.24. 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 3-Year RORE % is 46.24 and 364.7% above the Banks industry median of 9.95. 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 3-Year RORE % calculated?
3-Year RORE % is calculated from a company's financial statements. For Citizens Holding Co (CIZN), the current 3-Year RORE % is 46.24 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:
3-Year RORE %: 46.24
GF Value™: $11.34 vs. price of $10.74 (5.3% below fair value)
Industry Position: 364.7% above the Banks median (#148 of 1470)
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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