Citizens Holding Stock Z Score
| CIZNDelisted Stock | USD 11.95 0.15 1.27% |
Citizens |
Citizens Holding Company Z Score Analysis
Citizens Holding's Z-Score is a simple linear, multi-factor model that measures the financial health and economic stability of a company. The score is used to predict the probability of a firm going into bankruptcy within next 24 months or two fiscal years from the day stated on the accounting statements used to calculate it. The model uses five fundamental business ratios that are weighted according to algorithm of Professor Edward Altman who developed it in the late 1960s at New York University..
Current Citizens Holding Z Score | 1.84 |
Most of Citizens Holding's fundamental indicators, such as Z Score, are part of a valuation analysis module that helps investors searching for stocks that are currently trading at higher or lower prices than their real value. If the real value is higher than the market price, Citizens Holding is considered to be undervalued, and we provide a buy recommendation. Otherwise, we render a sell signal.
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To calculate a Z-Score, one would need to know a company's current working capital, its total assets and liabilities, and the amount of its latest earnings as well as earnings before interest and tax. Z-Scores can be used to compare the odds of bankruptcy of companies in a similar line of business or firms operating in the same industry. Companies with Z-Scores above 3.1 are generally considered to be stable and healthy with a low probability of bankruptcy. Scores that fall between 1.8 and 3.1 lie in a so-called 'grey area,' with scores of less than 1 indicating the highest probability of distress. Z Score is a used widely measure by financial auditors, accountants, money managers, loan processors, wealth advisers, and day traders. In the last 25 years, many financial models that utilize z-scores proved it to be successful as a predictor of corporate bankruptcy.
CompetitionIn accordance with the company's disclosures, Citizens Holding has a Z Score of 1.84. This is 23.65% lower than that of the Banks sector and significantly higher than that of the Financials industry. The z score for all United States stocks is 78.9% higher than that of the company.
Citizens Z Score Peer Comparison
Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses Citizens Holding's direct or indirect competition against its Z Score to detect undervalued stocks with similar characteristics or determine the stocks which would be a good addition to a portfolio. Peer analysis of Citizens Holding could also be used in its relative valuation, which is a method of valuing Citizens Holding by comparing valuation metrics of similar companies.Citizens Holding is currently under evaluation in z score category among its peers.
Citizens Fundamentals
| Return On Equity | 0.15 | ||||
| Return On Asset | 0.0037 | ||||
| Profit Margin | 0.12 % | ||||
| Operating Margin | 0.14 % | ||||
| Current Valuation | 69 M | ||||
| Shares Outstanding | 5.62 M | ||||
| Shares Owned By Insiders | 15.88 % | ||||
| Shares Owned By Institutions | 8.65 % | ||||
| Number Of Shares Shorted | 50.03 K | ||||
| Price To Earning | 10.19 X | ||||
| Price To Book | 1.56 X | ||||
| Price To Sales | 1.30 X | ||||
| Revenue | 44.97 M | ||||
| Gross Profit | 45.48 M | ||||
| EBITDA | 17.57 M | ||||
| Net Income | 9.62 M | ||||
| Cash And Equivalents | 41.28 M | ||||
| Cash Per Share | 7.37 X | ||||
| Total Debt | 18 M | ||||
| Debt To Equity | 10.26 % | ||||
| Book Value Per Share | 6.12 X | ||||
| Cash Flow From Operations | 13.76 M | ||||
| Short Ratio | 9.54 X | ||||
| Earnings Per Share | 0.91 X | ||||
| Target Price | 24.0 | ||||
| Number Of Employees | 271 | ||||
| Beta | 0.064 | ||||
| Market Capitalization | 49.71 M | ||||
| Total Asset | 1.32 B | ||||
| Retained Earnings | 102.53 M | ||||
| Z Score | 1.84 | ||||
| Annual Yield | 0.08 % | ||||
| Five Year Return | 4.69 % | ||||
| Net Asset | 1.32 B | ||||
| Last Dividend Paid | 0.8 |
About Citizens Holding Fundamental Analysis
The Macroaxis Fundamental Analysis modules help investors analyze Citizens Holding's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of Citizens Holding using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of Citizens Holding based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.
Please read more on our fundamental analysis page.
Pair Trading with Citizens Holding
One of the main advantages of trading using pair correlations is that every trade hedges away some risk. Because there are two separate transactions required, even if Citizens Holding position performs unexpectedly, the other equity can make up some of the losses. Pair trading also minimizes risk from directional movements in the market. For example, if an entire industry or sector drops because of unexpected headlines, the short position in Citizens Holding will appreciate offsetting losses from the drop in the long position's value.Moving against Citizens Stock
| 0.8 | CFG-PH | Citizens Financial Group, | PairCorr |
| 0.76 | ECBK | ECB Bancorp | PairCorr |
| 0.74 | VBNK | VersaBank Normal Trading | PairCorr |
| 0.74 | EGBN | Eagle Bancorp Fiscal Year End 22nd of January 2025 | PairCorr |
| 0.73 | EBMT | Eagle Bancorp Montana Fiscal Year End 28th of January 2025 | PairCorr |
The ability to find closely correlated positions to Citizens Holding could be a great tool in your tax-loss harvesting strategies, allowing investors a quick way to find a similar-enough asset to replace Citizens Holding when you sell it. If you don't do this, your portfolio allocation will be skewed against your target asset allocation. So, investors can't just sell and buy back Citizens Holding - that would be a violation of the tax code under the "wash sale" rule, and this is why you need to find a similar enough asset and use the proceeds from selling Citizens Holding to buy it.
The correlation of Citizens Holding is a statistical measure of how it moves in relation to other instruments. This measure is expressed in what is known as the correlation coefficient, which ranges between -1 and +1. A perfect positive correlation (i.e., a correlation coefficient of +1) implies that as Citizens Holding moves, either up or down, the other security will move in the same direction. Alternatively, perfect negative correlation means that if Citizens Holding moves in either direction, the perfectly negatively correlated security will move in the opposite direction. If the correlation is 0, the equities are not correlated; they are entirely random. A correlation greater than 0.8 is generally described as strong, whereas a correlation less than 0.5 is generally considered weak.
Correlation analysis and pair trading evaluation for Citizens Holding can also be used as hedging techniques within a particular sector or industry or even over random equities to generate a better risk-adjusted return on your portfolios.Check out Trending Equities to better understand how to build diversified portfolios. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in nation. You can also try the Idea Breakdown module to analyze constituents of all Macroaxis ideas. Macroaxis investment ideas are predefined, sector-focused investing themes.
Other Consideration for investing in Citizens Stock
If you are still planning to invest in Citizens Holding check if it may still be traded through OTC markets such as Pink Sheets or OTC Bulletin Board. You may also purchase it directly from the company, but this is not always possible and may require contacting the company directly. Please note that delisted stocks are often considered to be more risky investments, as they are no longer subject to the same regulatory and reporting requirements as listed stocks. Therefore, it is essential to carefully research the Citizens Holding's history and understand the potential risks before investing.
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