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CITIZENS HOLDING CO /MS/ CIZN

OTC · stock · State Commercial Banks · website · IPO 1999-10-19

CITIZENS HOLDING CO /MS/ statistics & valuation

Market cap$54.0M
P / E29.2×
P / B1.3×
P / FCF11.2×
Dividend yield7.48%
Return on equity4.3%
Net cash$76.5M
Enterprise value USD-$22.4M
Graham number -28.5%$7.52

Market cap as of 2026-06-30. Multiples are price-derived and refreshed daily; everything else from the latest financial reports. The Graham number is Benjamin Graham's rough maximum fair value ($7.52); a green figure means the price is below it.

Profitability & efficiency

Gross margin (%)
2014201520162017201820192020202120222023
Operating margin (%)
2014201520162017201820192020202120222023
Return on equity (%)
9.10% 8.80% 7.90% 4.20% 8.00% 5.20% 5.80% 7.10% 24.70% 4.30% 2014201520162017201820192020202120222023
Shares outstanding
4.9M 4.9M 4.9M 4.9M 4.9M 5.6M 5.6M 5.6M 5.6M 5.6M 2014201520162017201820192020202120222023
Net debt ($)
-$42.3M -$61.2M -$10.6M -$76.5M 2014201520162017201820192020202120222023
Share buybacks ($)
2014201520162017201820192020202120222023
Return on assets (%)
0.80% 0.80% 0.70% 0.40% 0.70% 0.50% 0.50% 0.60% 0.70% 0.10% 2014201520162017201820192020202120222023
Free cash flow margin (%)
2014201520162017201820192020202120222023
Debt / equity (×)
0.00× 0.17× 0.46× 0.42× 2014201520162017201820192020202120222023
EPS ($)
$1.53 $1.56 $1.38 $0.76 $1.36 $1.17 $1.24 $1.34 $1.72 $0.33 2014201520162017201820192020202120222023

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

P / E vs its own history

CITIZENS HOLDING CO /MS/ trades at about 31.9× earnings — above its 10-year norm (10-year range 8.1×–28.9×, median 16.3×).

8.1× 31.9×

Shaded band = 10-year range (8.1×–28.9×); dot = today's 31.9×.

Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.

Key ratios (by fiscal year)

RatioFY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016FY2015FY2014
Return on assets0.1%0.7%0.6%0.5%0.5%0.7%0.4%0.7%0.8%0.8%
Return on equity4.3%24.7%7.1%5.8%5.2%8.0%4.2%7.9%8.8%9.1%
Debt / equity0.42×0.46×0.17×0.00×——————

Computed from company filings · US · as of 2023-12-31. Facts plus Stocktoria's own computed scores — not investment advice.