Financhill
Buy
81

CIZN Quote, Financials, Valuation and Earnings

Last price:
$8.17
Seasonality move :
2.07%
Day range:
$7.78 - $7.78
52-week range:
$6.44 - $11.00
Dividend yield:
6.43%
P/E ratio:
5.94x
P/S ratio:
0.54x
P/B ratio:
0.75x
Volume:
3K
Avg. volume:
5.9K
1-year change:
-12.95%
Market cap:
$43.9M
Revenue:
$73.9M
EPS (TTM):
$1.31

Price Performance History

Performance vs. Valuation Benchmarks

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Competitors

Company Revenue Forecast Earnings Forecast Revenue Growth Forecast Earnings Growth Forecast Analyst Price Target Median
CIZN
Citizens Holding Co. (Mississippi)
-- -- -- -- --
BHB
Bar Harbor Bankshares
$41.4M $0.83 -24.74% 22.79% $34.50
BRBS
Blue Ridge Bankshares, Inc. (Virginia)
-- -- -- -- --
OPHC
OptimumBank Holdings, Inc.
-- -- -- -- $5.00
PRK
Park National Corp.
$140.1M $2.74 -13.63% 18.03% $180.33
TMP
Tompkins Financial Corp.
$87M $1.70 -24.04% 20.13% $77.00
Company Price Analyst Target Market Cap P/E Ratio Dividend per Share Dividend Yield Price / LTM Sales
CIZN
Citizens Holding Co. (Mississippi)
$7.78 -- $43.9M 5.94x $0.02 6.43% 0.54x
BHB
Bar Harbor Bankshares
$31.19 $34.50 $520.5M 13.44x $0.32 4.04% 2.09x
BRBS
Blue Ridge Bankshares, Inc. (Virginia)
$4.39 -- $401.6M 108.13x $0.25 0% 2.51x
OPHC
OptimumBank Holdings, Inc.
$4.15 $5.00 $47.8M 3.61x $0.00 0% 0.89x
PRK
Park National Corp.
$158.58 $180.33 $2.5B 14.61x $2.32 2.7% 3.90x
TMP
Tompkins Financial Corp.
$71.70 $77.00 $1B 12.16x $0.65 3.5% 2.21x
Company Total Debt / Total Capital Beta Debt to Equity Quick Ratio
CIZN
Citizens Holding Co. (Mississippi)
84.92% 0.596 879.93% 0.00x
BHB
Bar Harbor Bankshares
26.95% 0.833 37.81% 0.00x
BRBS
Blue Ridge Bankshares, Inc. (Virginia)
32.65% 1.058 44.45% 0.00x
OPHC
OptimumBank Holdings, Inc.
2.38% 0.312 5.84% 0.00x
PRK
Park National Corp.
6.69% 1.119 3.65% 0.00x
TMP
Tompkins Financial Corp.
39.99% 1.042 55.29% 0.00x
Company Gross Profit Operating Income Return on Invested Capital Return on Common Equity EBIT Margin Free Cash Flow
CIZN
Citizens Holding Co. (Mississippi)
-- $2.7M 2.04% 14.28% 46.58% --
BHB
Bar Harbor Bankshares
-- $10.8M 4.95% 7.61% 45.12% $18.1M
BRBS
Blue Ridge Bankshares, Inc. (Virginia)
-- $7.5M 0.83% 1.31% 54.67% $5.7M
OPHC
OptimumBank Holdings, Inc.
-- $5.7M 12.2% 14.8% 59.75% $1.9M
PRK
Park National Corp.
-- $58.1M 11.44% 13.78% 50.75% $45.1M
TMP
Tompkins Financial Corp.
-- $31.1M 5.95% 11.34% 53.65% $33.9M

Citizens Holding Co. (Mississippi) vs. Competitors

  • Which has Higher Returns CIZN or BHB?

    Bar Harbor Bankshares has a net margin of 11.18% compared to Citizens Holding Co. (Mississippi)'s net margin of 13.32%. Citizens Holding Co. (Mississippi)'s return on equity of 14.28% beat Bar Harbor Bankshares's return on equity of 7.61%.

    Company Gross Margin Earnings Per Share Invested Capital
    CIZN
    Citizens Holding Co. (Mississippi)
    -- $0.42 $385.5M
    BHB
    Bar Harbor Bankshares
    -- $0.54 $713.1M
  • What do Analysts Say About CIZN or BHB?

    Citizens Holding Co. (Mississippi) has a consensus price target of --, signalling upside risk potential of 208.48%. On the other hand Bar Harbor Bankshares has an analysts' consensus of $34.50 which suggests that it could grow by 10.61%. Given that Citizens Holding Co. (Mississippi) has higher upside potential than Bar Harbor Bankshares, analysts believe Citizens Holding Co. (Mississippi) is more attractive than Bar Harbor Bankshares.

    Company Buy Ratings Hold Ratings Sell Ratings
    CIZN
    Citizens Holding Co. (Mississippi)
    0 0 0
    BHB
    Bar Harbor Bankshares
    0 1 0
  • Is CIZN or BHB More Risky?

    Citizens Holding Co. (Mississippi) has a beta of 0.020, which suggesting that the stock is 97.989% less volatile than S&P 500. In comparison Bar Harbor Bankshares has a beta of 0.654, suggesting its less volatile than the S&P 500 by 34.574%.

  • Which is a Better Dividend Stock CIZN or BHB?

    Citizens Holding Co. (Mississippi) has a quarterly dividend of $0.02 per share corresponding to a yield of 6.43%. Bar Harbor Bankshares offers a yield of 4.04% to investors and pays a quarterly dividend of $0.32 per share. Citizens Holding Co. (Mississippi) pays 65.41% of its earnings as a dividend. Bar Harbor Bankshares pays out 41.49% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios CIZN or BHB?

    Citizens Holding Co. (Mississippi) quarterly revenues are $21.1M, which are smaller than Bar Harbor Bankshares quarterly revenues of $66.5M. Citizens Holding Co. (Mississippi)'s net income of $2.4M is lower than Bar Harbor Bankshares's net income of $8.9M. Notably, Citizens Holding Co. (Mississippi)'s price-to-earnings ratio is 5.94x while Bar Harbor Bankshares's PE ratio is 13.44x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Citizens Holding Co. (Mississippi) is 0.54x versus 2.09x for Bar Harbor Bankshares. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    CIZN
    Citizens Holding Co. (Mississippi)
    0.54x 5.94x $21.1M $2.4M
    BHB
    Bar Harbor Bankshares
    2.09x 13.44x $66.5M $8.9M
  • Which has Higher Returns CIZN or BRBS?

    Blue Ridge Bankshares, Inc. (Virginia) has a net margin of 11.18% compared to Citizens Holding Co. (Mississippi)'s net margin of 14.05%. Citizens Holding Co. (Mississippi)'s return on equity of 14.28% beat Blue Ridge Bankshares, Inc. (Virginia)'s return on equity of 1.31%.

    Company Gross Margin Earnings Per Share Invested Capital
    CIZN
    Citizens Holding Co. (Mississippi)
    -- $0.42 $385.5M
    BRBS
    Blue Ridge Bankshares, Inc. (Virginia)
    -- $0.06 $527.8M
  • What do Analysts Say About CIZN or BRBS?

    Citizens Holding Co. (Mississippi) has a consensus price target of --, signalling upside risk potential of 208.48%. On the other hand Blue Ridge Bankshares, Inc. (Virginia) has an analysts' consensus of -- which suggests that it could fall by --. Given that Citizens Holding Co. (Mississippi) has higher upside potential than Blue Ridge Bankshares, Inc. (Virginia), analysts believe Citizens Holding Co. (Mississippi) is more attractive than Blue Ridge Bankshares, Inc. (Virginia).

    Company Buy Ratings Hold Ratings Sell Ratings
    CIZN
    Citizens Holding Co. (Mississippi)
    0 0 0
    BRBS
    Blue Ridge Bankshares, Inc. (Virginia)
    0 0 0
  • Is CIZN or BRBS More Risky?

    Citizens Holding Co. (Mississippi) has a beta of 0.020, which suggesting that the stock is 97.989% less volatile than S&P 500. In comparison Blue Ridge Bankshares, Inc. (Virginia) has a beta of 0.898, suggesting its less volatile than the S&P 500 by 10.177%.

  • Which is a Better Dividend Stock CIZN or BRBS?

    Citizens Holding Co. (Mississippi) has a quarterly dividend of $0.02 per share corresponding to a yield of 6.43%. Blue Ridge Bankshares, Inc. (Virginia) offers a yield of 0% to investors and pays a quarterly dividend of $0.25 per share. Citizens Holding Co. (Mississippi) pays 65.41% of its earnings as a dividend. Blue Ridge Bankshares, Inc. (Virginia) pays out -- of its earnings as a dividend. Citizens Holding Co. (Mississippi)'s payout ratio is sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios CIZN or BRBS?

    Citizens Holding Co. (Mississippi) quarterly revenues are $21.1M, which are smaller than Blue Ridge Bankshares, Inc. (Virginia) quarterly revenues of $39.9M. Citizens Holding Co. (Mississippi)'s net income of $2.4M is lower than Blue Ridge Bankshares, Inc. (Virginia)'s net income of $5.6M. Notably, Citizens Holding Co. (Mississippi)'s price-to-earnings ratio is 5.94x while Blue Ridge Bankshares, Inc. (Virginia)'s PE ratio is 108.13x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Citizens Holding Co. (Mississippi) is 0.54x versus 2.51x for Blue Ridge Bankshares, Inc. (Virginia). Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    CIZN
    Citizens Holding Co. (Mississippi)
    0.54x 5.94x $21.1M $2.4M
    BRBS
    Blue Ridge Bankshares, Inc. (Virginia)
    2.51x 108.13x $39.9M $5.6M
  • Which has Higher Returns CIZN or OPHC?

    OptimumBank Holdings, Inc. has a net margin of 11.18% compared to Citizens Holding Co. (Mississippi)'s net margin of 23.62%. Citizens Holding Co. (Mississippi)'s return on equity of 14.28% beat OptimumBank Holdings, Inc.'s return on equity of 14.8%.

    Company Gross Margin Earnings Per Share Invested Capital
    CIZN
    Citizens Holding Co. (Mississippi)
    -- $0.42 $385.5M
    OPHC
    OptimumBank Holdings, Inc.
    -- $0.18 $119.7M
  • What do Analysts Say About CIZN or OPHC?

    Citizens Holding Co. (Mississippi) has a consensus price target of --, signalling upside risk potential of 208.48%. On the other hand OptimumBank Holdings, Inc. has an analysts' consensus of $5.00 which suggests that it could grow by 20.63%. Given that Citizens Holding Co. (Mississippi) has higher upside potential than OptimumBank Holdings, Inc., analysts believe Citizens Holding Co. (Mississippi) is more attractive than OptimumBank Holdings, Inc..

    Company Buy Ratings Hold Ratings Sell Ratings
    CIZN
    Citizens Holding Co. (Mississippi)
    0 0 0
    OPHC
    OptimumBank Holdings, Inc.
    0 1 0
  • Is CIZN or OPHC More Risky?

    Citizens Holding Co. (Mississippi) has a beta of 0.020, which suggesting that the stock is 97.989% less volatile than S&P 500. In comparison OptimumBank Holdings, Inc. has a beta of 0.287, suggesting its less volatile than the S&P 500 by 71.332%.

  • Which is a Better Dividend Stock CIZN or OPHC?

    Citizens Holding Co. (Mississippi) has a quarterly dividend of $0.02 per share corresponding to a yield of 6.43%. OptimumBank Holdings, Inc. offers a yield of 0% to investors and pays a quarterly dividend of $0.00 per share. Citizens Holding Co. (Mississippi) pays 65.41% of its earnings as a dividend. OptimumBank Holdings, Inc. pays out -- of its earnings as a dividend. Citizens Holding Co. (Mississippi)'s payout ratio is sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios CIZN or OPHC?

    Citizens Holding Co. (Mississippi) quarterly revenues are $21.1M, which are larger than OptimumBank Holdings, Inc. quarterly revenues of $18.3M. Citizens Holding Co. (Mississippi)'s net income of $2.4M is lower than OptimumBank Holdings, Inc.'s net income of $4.3M. Notably, Citizens Holding Co. (Mississippi)'s price-to-earnings ratio is 5.94x while OptimumBank Holdings, Inc.'s PE ratio is 3.61x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Citizens Holding Co. (Mississippi) is 0.54x versus 0.89x for OptimumBank Holdings, Inc.. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    CIZN
    Citizens Holding Co. (Mississippi)
    0.54x 5.94x $21.1M $2.4M
    OPHC
    OptimumBank Holdings, Inc.
    0.89x 3.61x $18.3M $4.3M
  • Which has Higher Returns CIZN or PRK?

    Park National Corp. has a net margin of 11.18% compared to Citizens Holding Co. (Mississippi)'s net margin of 27.82%. Citizens Holding Co. (Mississippi)'s return on equity of 14.28% beat Park National Corp.'s return on equity of 13.78%.

    Company Gross Margin Earnings Per Share Invested Capital
    CIZN
    Citizens Holding Co. (Mississippi)
    -- $0.42 $385.5M
    PRK
    Park National Corp.
    -- $2.92 $1.4B
  • What do Analysts Say About CIZN or PRK?

    Citizens Holding Co. (Mississippi) has a consensus price target of --, signalling upside risk potential of 208.48%. On the other hand Park National Corp. has an analysts' consensus of $180.33 which suggests that it could grow by 13.72%. Given that Citizens Holding Co. (Mississippi) has higher upside potential than Park National Corp., analysts believe Citizens Holding Co. (Mississippi) is more attractive than Park National Corp..

    Company Buy Ratings Hold Ratings Sell Ratings
    CIZN
    Citizens Holding Co. (Mississippi)
    0 0 0
    PRK
    Park National Corp.
    0 4 0
  • Is CIZN or PRK More Risky?

    Citizens Holding Co. (Mississippi) has a beta of 0.020, which suggesting that the stock is 97.989% less volatile than S&P 500. In comparison Park National Corp. has a beta of 0.734, suggesting its less volatile than the S&P 500 by 26.635%.

  • Which is a Better Dividend Stock CIZN or PRK?

    Citizens Holding Co. (Mississippi) has a quarterly dividend of $0.02 per share corresponding to a yield of 6.43%. Park National Corp. offers a yield of 2.7% to investors and pays a quarterly dividend of $2.32 per share. Citizens Holding Co. (Mississippi) pays 65.41% of its earnings as a dividend. Park National Corp. pays out 45.49% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios CIZN or PRK?

    Citizens Holding Co. (Mississippi) quarterly revenues are $21.1M, which are smaller than Park National Corp. quarterly revenues of $169.5M. Citizens Holding Co. (Mississippi)'s net income of $2.4M is lower than Park National Corp.'s net income of $47.2M. Notably, Citizens Holding Co. (Mississippi)'s price-to-earnings ratio is 5.94x while Park National Corp.'s PE ratio is 14.61x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Citizens Holding Co. (Mississippi) is 0.54x versus 3.90x for Park National Corp.. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    CIZN
    Citizens Holding Co. (Mississippi)
    0.54x 5.94x $21.1M $2.4M
    PRK
    Park National Corp.
    3.90x 14.61x $169.5M $47.2M
  • Which has Higher Returns CIZN or TMP?

    Tompkins Financial Corp. has a net margin of 11.18% compared to Citizens Holding Co. (Mississippi)'s net margin of 19.46%. Citizens Holding Co. (Mississippi)'s return on equity of 14.28% beat Tompkins Financial Corp.'s return on equity of 11.34%.

    Company Gross Margin Earnings Per Share Invested Capital
    CIZN
    Citizens Holding Co. (Mississippi)
    -- $0.42 $385.5M
    TMP
    Tompkins Financial Corp.
    -- $1.65 $1.3B
  • What do Analysts Say About CIZN or TMP?

    Citizens Holding Co. (Mississippi) has a consensus price target of --, signalling upside risk potential of 208.48%. On the other hand Tompkins Financial Corp. has an analysts' consensus of $77.00 which suggests that it could grow by 7.39%. Given that Citizens Holding Co. (Mississippi) has higher upside potential than Tompkins Financial Corp., analysts believe Citizens Holding Co. (Mississippi) is more attractive than Tompkins Financial Corp..

    Company Buy Ratings Hold Ratings Sell Ratings
    CIZN
    Citizens Holding Co. (Mississippi)
    0 0 0
    TMP
    Tompkins Financial Corp.
    0 1 0
  • Is CIZN or TMP More Risky?

    Citizens Holding Co. (Mississippi) has a beta of 0.020, which suggesting that the stock is 97.989% less volatile than S&P 500. In comparison Tompkins Financial Corp. has a beta of 0.823, suggesting its less volatile than the S&P 500 by 17.709%.

  • Which is a Better Dividend Stock CIZN or TMP?

    Citizens Holding Co. (Mississippi) has a quarterly dividend of $0.02 per share corresponding to a yield of 6.43%. Tompkins Financial Corp. offers a yield of 3.5% to investors and pays a quarterly dividend of $0.65 per share. Citizens Holding Co. (Mississippi) pays 65.41% of its earnings as a dividend. Tompkins Financial Corp. pays out 49.14% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios CIZN or TMP?

    Citizens Holding Co. (Mississippi) quarterly revenues are $21.1M, which are smaller than Tompkins Financial Corp. quarterly revenues of $121.7M. Citizens Holding Co. (Mississippi)'s net income of $2.4M is lower than Tompkins Financial Corp.'s net income of $23.7M. Notably, Citizens Holding Co. (Mississippi)'s price-to-earnings ratio is 5.94x while Tompkins Financial Corp.'s PE ratio is 12.16x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Citizens Holding Co. (Mississippi) is 0.54x versus 2.21x for Tompkins Financial Corp.. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    CIZN
    Citizens Holding Co. (Mississippi)
    0.54x 5.94x $21.1M $2.4M
    TMP
    Tompkins Financial Corp.
    2.21x 12.16x $121.7M $23.7M

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