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CIZN

Citizens Holding Company

Financial Services · USD

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Price alert · CIZN

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8.95 USD -0.05 -0.56%
As of Oct 30, 2026
8.95 Day range 8.97
6.56 52-week range 10.99
YTD
+13.15%
1 year
+32.59%
Open
8.97
Prev close
9.00
Mkt cap
50.96M
Vol
224
Avg vol
3.46K
EPS
1.67
P/E
5.36
Div yield
8.24%
More statistics
Low
8.95
High
8.97
Forward P/E
0.00
Beta
0.03
Short ratio
9.54
Inst. own
8.66%
Dividend
0.64
Ex-div date
Dec 13, 2023
50-d avg
9.19
200-d avg
10.92
1y target
0.00

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Financial health

Altman Z-Score

0.12 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

4 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

B+3 / 5 overall

  • DCF 3
  • Return on Equity 4
  • Return on Assets 2
  • Debt / Equity 1
  • P/E 4
  • P/B 4

Valuation

P/E 5.5×
FY 2016: 18.7×FY 2017: 30.4×FY 2018: 15.4×FY 2019: 18.7×FY 2020: 16.9×FY 2021: 14.0×FY 2022: 8.0×FY 2023: 23.5×FY 2024: 9.2×FY 2025: 5.5×
FY 2016 5y median 9.2× FY 2025
P/S 0.5×
FY 2016: 3.4×FY 2017: 3.0×FY 2018: 2.6×FY 2019: 2.5×FY 2020: 2.3×FY 2021: 2.1×FY 2022: 1.5×FY 2023: 0.8×FY 2024: 0.7×FY 2025: 0.5×
FY 2016 5y median 0.8× FY 2025
P/B 0.7×
FY 2016: 1.5×FY 2017: 1.3×FY 2018: 1.2×FY 2019: 1.0×FY 2020: 1.0×FY 2021: 1.0×FY 2022: 2.0×FY 2023: 1.0×FY 2024: 1.1×FY 2025: 0.7×
FY 2016 5y median 1.0× FY 2025
P/FCF 3.3×
FY 2016: 13.8×FY 2017: 14.6×FY 2018: 8.7×FY 2019: 10.2×FY 2020: 9.7×FY 2021: 7.0×FY 2022: 6.9×FY 2023: 9.0×FY 2024: 8.1×FY 2025: 3.3×
FY 2016 5y median 7.0× FY 2025
EV/EBITDA 12.1×
FY 2016: 8.1×FY 2017: 11.9×FY 2018: 9.7×FY 2019: 25.3×FY 2020: 32.7×FY 2021: 15.5×FY 2022: 15.1×FY 2023: 38.9×FY 2024: 145×FY 2025: 12.1×
FY 2016 5y median 15.5× FY 2025
EV/Sales 1.4×
FY 2016: 2.0×FY 2017: 2.8×FY 2018: 2.1×FY 2019: 4.7×FY 2020: 6.4×FY 2021: 3.1×FY 2022: 3.9×FY 2023: 2.2×FY 2024: 4.7×FY 2025: 1.4×
FY 2016 5y median 3.1× FY 2025
FCF Yield 30.4%
FY 2016: 7.2%FY 2017: 6.8%FY 2018: 11.5%FY 2019: 9.8%FY 2020: 10.3%FY 2021: 14.2%FY 2022: 14.6%FY 2023: 11.1%FY 2024: 12.4%FY 2025: 30.4%
FY 2016 5y median 14.2% FY 2025

Profitability

Gross Margin 62.9%
FY 2016: 91.8%FY 2017: 92.6%FY 2018: 87.8%FY 2019: 76.7%FY 2020: 82.2%FY 2021: 87.1%FY 2022: 90.1%FY 2023: 64.8%FY 2024: 54.5%FY 2025: 62.9%
FY 2016 5y median 64.8% FY 2025
Operating Margin 11.6%
FY 2016: 22.5%FY 2017: 20.5%FY 2018: 19.1%FY 2019: 16.4%FY 2020: 17.3%FY 2021: 17.9%FY 2022: 23.1%FY 2023: 3.1%FY 2024: 3.2%FY 2025: 11.6%
FY 2016 5y median 11.6% FY 2025
Net Margin 9.9%
FY 2016: 18.2%FY 2017: 9.8%FY 2018: 17.0%FY 2019: 13.3%FY 2020: 13.8%FY 2021: 15.0%FY 2022: 19.3%FY 2023: 3.2%FY 2024: 7.4%FY 2025: 9.9%
FY 2016 5y median 9.9% FY 2025
ROE 13.1%
FY 2016: 7.9%FY 2017: 4.2%FY 2018: 8.0%FY 2019: 5.2%FY 2020: 5.8%FY 2021: 7.1%FY 2022: 24.7%FY 2023: 4.3%FY 2024: 11.4%FY 2025: 13.1%
FY 2016 5y median 11.4% FY 2025
ROIC 11.3%
FY 2016: 0.4%FY 2017: 0.3%FY 2018: 0.7%FY 2019: 2.0%FY 2020: 2.0%FY 2021: 3.0%FY 2022: 4.9%FY 2023: 0.8%FY 2024: -0.2%FY 2025: 11.3%
FY 2016 5y median 3.0% FY 2025
ROA 0.5%
FY 2016: 0.7%FY 2017: 0.4%FY 2018: 0.7%FY 2019: 0.5%FY 2020: 0.5%FY 2021: 0.6%FY 2022: 0.7%FY 2023: 0.1%FY 2024: 0.4%FY 2025: 0.5%
FY 2016 5y median 0.5% FY 2025

Growth (YoY)

Revenue 11.8%
FY 2016: -4.3%FY 2017: 2.2%FY 2018: 3.4%FY 2019: 12.9%FY 2020: 13.3%FY 2021: -0.6%FY 2022: -0.2%FY 2023: 14.7%FY 2024: 29.6%FY 2025: 11.8%
FY 2016 FY 2025
Operating Income 302.1%
FY 2016: -17.1%FY 2017: -6.9%FY 2018: -3.5%FY 2019: -3.3%FY 2020: 19.7%FY 2021: 2.8%FY 2022: 28.9%FY 2023: -84.5%FY 2024: 33.4%FY 2025: 302.1%
FY 2016 FY 2025
EPS (diluted) 46.9%
FY 2016: -11.5%FY 2017: -44.9%FY 2018: 78.9%FY 2019: -14.7%FY 2020: 6.9%FY 2021: 8.1%FY 2022: 28.4%FY 2023: -80.8%FY 2024: 197.0%FY 2025: 46.9%
FY 2016 FY 2025
Free Cash Flow 115.8%
FY 2016: -8.6%FY 2017: -15.2%FY 2018: 53.4%FY 2019: -7.8%FY 2020: 10.3%FY 2021: 23.9%FY 2022: -25.3%FY 2023: -56.8%FY 2024: 31.1%FY 2025: 115.8%
FY 2016 FY 2025

Financial Health

Current Ratio 1.0×
FY 2016: 2865×FY 2017: 45.2×FY 2018: 998×FY 2019: 0.5×FY 2020: 0.6×FY 2021: 0.6×FY 2022: 0.2×FY 2023: 0.2×FY 2024: 0.0×FY 2025: 1.0×
FY 2016 5y median 0.2× FY 2025
Quick Ratio 1.0×
FY 2016: 2865×FY 2017: 45.2×FY 2018: 998×FY 2019: 0.5×FY 2020: 0.6×FY 2021: 0.6×FY 2022: 0.2×FY 2023: 0.2×FY 2024: 0.0×FY 2025: 1.0×
FY 2016 5y median 0.2× FY 2025
Debt / Equity 1.4×
FY 2016: 0.2×FY 2017: 0.1×FY 2018: 0.0×FY 2019: 1.5×FY 2020: 2.1×FY 2021: 1.2×FY 2022: 3.7×FY 2023: 4.1×FY 2024: 7.0×FY 2025: 1.4×
FY 2016 5y median 3.7× FY 2025
Net Debt / EBITDA 7.4×
FY 2016: -5.4×FY 2017: -0.9×FY 2018: -2.4×FY 2019: 11.7×FY 2020: 20.8×FY 2021: 5.1×FY 2022: 9.2×FY 2023: 25.4×FY 2024: 124×FY 2025: 7.4×
FY 2016 5y median 9.2× FY 2025
Interest Coverage 0.3×
FY 2016: 2.7×FY 2017: 2.3×FY 2018: 1.7×FY 2019: 0.7×FY 2020: 1.2×FY 2021: 1.8×FY 2022: 2.4×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 0.3×
FY 2016 5y median 0.3× FY 2025

Dividends

Dividend Yield 0.5%
FY 2016: 3.7%FY 2017: 4.2%FY 2018: 4.6%FY 2019: 4.4%FY 2020: 4.6%FY 2021: 5.1%FY 2022: 7.0%FY 2023: 9.3%FY 2024: 7.1%FY 2025: 0.5%
FY 2016 5y median 7.0% FY 2025
Payout Ratio 2.8%
FY 2016: 69.6%FY 2017: 126.8%FY 2018: 70.5%FY 2019: 82.6%FY 2020: 77.4%FY 2021: 71.7%FY 2022: 55.9%FY 2023: 218.0%FY 2024: 65.7%FY 2025: 2.8%
FY 2016 5y median 65.7% FY 2025

Annual · latest fiscal year ends 2025-12-31