Citizens Holding Company

CIZNOTC Markets OTCQX·Financial Services

$10.62▲ +0.36 (+3.51%)

Market closedData as of 12:12 AM ET · 15-min delay

Analyst ratingnone

Every calculator, already run for CIZN

What is it worth?

P/E calculatorHow does this multiple compare to peers and its own history?6.1x DCF calculatorTen years of free cash flow, discounted back to today.Run →Reverse DCFSolves the price backwards for the growth it already requires.Run →EV / EBITDAThe price with debt added and cash netted off.Run →PEG ratioThe multiple divided by the growth meant to justify it.0.30 Graham numberGraham's ceiling from earnings and book value.$22 P/S ratioFor companies whose earnings are not the point yet.1.1x Intrinsic valueDCF, multiples and Graham run together as one range.$22

Is it any good?

ROIC calculatorWhether a dollar invested earns more than it costs.Run →Altman Z-scoreFive balance-sheet ratios weighted into a distress score.0.16 · distress Piotroski F-scoreNine pass-fail tests on profit, leverage and efficiency.5 of 6 Debt to equityHow much of the balance sheet is borrowed.0.22 Interest coverageHow many times operating profit covers the interest bill.Run →Profit marginGross, operating and net, each against the sector.17.1% net Free cash flowOperating cash after the capex needed to keep going.Run →Rule of 40Revenue growth plus margin, the software health line.

What does it return & pay?

ROE calculatorProfit against the equity shareholders left in.15.8%EPS growthEarnings per share compounded over the filings.-5.8%CAGR calculatorCompound rate on revenue, earnings, cash or price.6% rev Dividend yieldWhat it pays, and whether free cash flow covers it.3.85%Net payout yieldDividends plus buybacks, less shares issued.0.4%Owner earningsBuffett's version: cash a buyer could actually take out.$14M

You have the numbers on CIZN. Get the argument.

A written report on which of these readings actually decide the outcome for Citizens Holding Company, what has to stay true for the price to work, and the specific thing that would break it. The first one is free.

Key market data

Market cap$60.38M

P/E (TTM)6.1x

Forward P/E—

Beta0.07

EPS (TTM)$1.73

Dividend yield3.85%

Volume600

Avg volume3.3K

52-week range

$6.44$10.97

Ownership & short interest

Institutions1.5%

Short % float1.0%

Shares out$5.69M

About Citizens Holding Company

Citizens Holding Company operates as the bank holding company for The Citizens Bank of Philadelphia that provides various banking products and services. It offers short-term and long-term demand, insured cash sweep, time, and non-interest-bearing deposits; health savings, individual retirement, business and personal savings and checking, and NOW and money market accounts; and long-term certificates of deposits, as well as mobile and remote deposits. The company also provides real estate land development and construction, farmland, 1-4 family mortgage, and commercial real estate loans; and business loans, including commercial and industrial, working capital, machinery and equipment, inventory…

Financial ServicesBanks - RegionalUnited States

CIZN — frequently asked

Is CIZN a buy right now?

Wall Street's consensus rating on Citizens Holding Company is none. Ratings are a starting point — run the DCF and check the financial-health readings above before deciding.

Is CIZN overvalued?

CIZN trades at 6.1x trailing earnings. Open the DCF or reverse-DCF tool to change the assumptions and see the range.

Compare Citizens Holding Company against related stocks

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Sector peers

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Investor Guides For Citizens Holding Company

Start with the evergreen guides that matter most for Financial Services, then move back into the ticker page when you want to pressure-test the framework on a live name.

Equity Research ChecklistsThe financials diligence checklist worth running before you size anything Earnings Question BanksThe financials earnings questions that matter after the headline beat Valuation PlaybooksWhat deserves the multiple in financials Red Flag WatchlistsThe financials red flags that quietly wreck the thesis

Generate your full CIZN research report

DCF model, five-year financials, moat assessment, a BUY/HOLD/SELL rating, and the risks that matter — on Citizens Holding Company, in minutes. 3 free reports included with every account — no credit card required.