Stocktoria
CITIZENS HOLDING CO /MS/ CIZN
CITIZENS HOLDING CO /MS/ (CIZN) earns a Piotroski F-score of 4/9 (mixed financial health). It pays a dividend yielding 7.48% (safety: at-risk).
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
How it ranks in Finance, Insurance & Real Estate · percentile among 1152 companies
Percentile vs other Finance, Insurance & Real Estate companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 4/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| CIZN | CITIZENS HOLDING CO /MS/ | 4/9 | — | 29.2 | — |
| STT | STATE STREET CORP | 6/9 | — | 15.8 | +7.3% |
| FCNCA | FIRST CITIZENS BANCSHARES INC /DE/ | 5/9 | — | 10.8 | -2.2% |
| CFG | CITIZENS FINANCIAL GROUP INC/RI | 7/9 | — | 16.3 | +5.6% |
| NTRS | NORTHERN TRUST CORP | 4/9 | — | 18.5 | -2.5% |
| ALLY | Ally Financial Inc. | 5/9 | — | 17 | -3.3% |
| MTB | M&T BANK CORP | 7/9 | — | 12.2 | +7.5% |
All Finance, Insurance & Real Estate companies →
About CITIZENS HOLDING CO /MS/
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, business acquisition, agricultural, municipal, commercial building, multi-family apartment, land development, and construction loans, as well as consumer and personal loans. In addition, it offers cash management, merchant services, credit and debit cards, online banking/bill pay, phone teller, in-branch services, electronic statements, credit boost CD, title insurance services, and lockbox services. Its digital services include digital banking, mobile banking app, mobile pay, and text message banking. The company was founded in 1908 and is headquartered in Philadelphia, Mississippi.
FAQ
Is CIZN financially healthy?
CITIZENS HOLDING CO /MS/'s Piotroski F-score is 4/9 (8–9 is excellent, 0–3 weak).
Does CIZN pay a dividend, and is it safe?
Yes. CITIZENS HOLDING CO /MS/ pays a dividend yielding about 7.48% with a 218.0% payout ratio, rated “at-risk” for safety.
How profitable is CIZN?
In FY2023, CITIZENS HOLDING CO /MS/ had a return on equity of 4.3%.
Is CIZN overvalued or undervalued?
CITIZENS HOLDING CO /MS/ trades at about 31.9× trailing earnings — above its 10-year norm (10-year range 8.1×–28.9×, median 16.3×). Stocktoria reports the data, not buy/sell advice.
Is CIZN a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on CITIZENS HOLDING CO /MS/: a Piotroski F-score of 4/9, a P/E of about 29.2×, a dividend yield of 7.48%. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2023-12-31. Facts plus Stocktoria's own computed scores — not investment advice.