Citizens Holding Valuation
| CIZN Stock | USD 9.35 0.18 1.96% |
At this time, the firm appears to be undervalued. Citizens Holding shows a prevailing Real Value of $13.22 per share. The current price of the firm is $9.35. Our model approximates the value of Citizens Holding from analyzing the firm fundamentals such as Return On Equity of 0.15, current valuation of 75.89 M, and Profit Margin of 0.16 % as well as examining its technical indicators and probability of bankruptcy. Key fundamental drivers impacting Citizens Holding's valuation include:
Price Book 1.2359 | Enterprise Value | Price Sales 1.0166 | Trailing PE 28.3333 | Enterprise Value Revenue 1.8815 |
Undervalued
Today
Please note that Citizens Holding's price fluctuation is not too volatile at this time. Calculation of the real value of Citizens Holding is based on 3 months time horizon. Increasing Citizens Holding's time horizon generally increases the accuracy of value calculation and significantly improves the predictive power of the methodology used.
Since Citizens Holding is currently traded on the exchange, buyers and sellers on that exchange determine the market value of Citizens Stock. However, Citizens Holding's intrinsic value may or may not be the same as its current market price, in which case there is an opportunity to profit from the mispricing, assuming the market price will eventually merge with its intrinsic value. | Historical | Market 9.35 | Real 13.22 | Target 24.0 | Hype 9.27 |
The intrinsic value of Citizens Holding's stock can be calculated using various methods such as discounted cash flow analysis, price-to-earnings ratio, or price-to-book ratio. That value may differ from its current market price, which is determined by supply and demand factors such as investor sentiment, market trends, news, and other external factors that may influence Citizens Holding's stock price. It is important to note that the real value of any stock may change over time based on changes in the company's performance.
Estimating the potential upside or downside of Citizens Holding helps investors to forecast how Citizens stock's addition to their portfolios will impact the overall performance. We also use other valuation drivers to help us estimate the true value of Citizens Holding more accurately as focusing exclusively on Citizens Holding's fundamentals will not take into account other important factors: Traditionally, analysts and sophisticated investors use multiple methods for valuing a cash-flow-generating entity or its stock. For example, some money managers use Citizens Holding's intrinsic value based on its ongoing forecasts of Citizens Holding's financial statements. In contrast, other private, professional wealth advisors use a multiplier approach by looking to relative value analysis against Citizens Holding's closest peers.
Citizens Holding Cash |
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Citizens Revenue by Product
About Citizens Holding Valuation
We use absolute and relative valuation methodologies to arrive at the intrinsic value of Citizens Holding. In general, an absolute valuation paradigm, as applied to this company, attempts to find the value of Citizens Holding based exclusively on its fundamental and basic technical indicators. By analyzing Citizens Holding's financials, quarterly and monthly indicators, and their related drivers, we attempt to find the most accurate representation of Citizens Holding's intrinsic value. As compared to an absolute model, our relative valuation model uses a comparative analysis of Citizens Holding. We calculate exposure to Citizens Holding's market risk, different technical and fundamental indicators, and relevant financial multiples and ratios and then compare them to those of Citizens Holding's related companies.| Last Reported | Projected for Next Year | ||
| Gross Profit | 42.5 M | 33.4 M | |
| Pretax Profit Margin | 0.12 | 0.11 | |
| Operating Profit Margin | 0.12 | 0.11 | |
| Net Profit Margin | 0.10 | 0.19 | |
| Gross Profit Margin | 0.58 | 0.59 |
Citizens Holding Quarterly Retained Earnings |
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A single share of Citizens Holding represents a small ownership stake in the entity. As a stockholder of Citizens, your percentage of company ownership is determined by dividing the number of shares you own by the total number of shares outstanding and then multiplying that amount by 100. Owning stock in a company generally confers both corporate voting rights and income from any dividends paid to the stock owner.
Citizens Holding Dividends Analysis For Valuation
As of the 9th of February 2026, Dividend Paid And Capex Coverage Ratio is likely to grow to 2.35, while Dividends Paid is likely to drop about 4.1 M. . As of the 9th of February 2026, Earnings Yield is likely to grow to 0.19, while Retained Earnings are likely to drop about 82.4 M.
| Last Reported | Projected for Next Year | ||
| Dividends Paid | 4.1 M | 4.1 M | |
| Dividend Payout Ratio | 0.03 | 0.03 | |
| Dividend Paid And Capex Coverage Ratio | 1.91 | 2.35 |
There are various types of dividends Citizens Holding can pay to its shareholders, and the actual value of the dividend is determined on a per-share basis. It is to be paid equally to all of Citizens shareholders on a specific date, known as the payable date. The cash dividend is the most common type of dividend payment - it is the payment of actual cash from Citizens Holding directly to its shareholders. There are other types of dividends that companies can issue, such as stock dividends or asset dividends. When Citizens pays a dividend, it has no impact on its enterprise value. It does, however, lowers the Equity Value of Citizens Holding by the value of the dividends paid out.
Citizens Holding Growth Indicators
Growth stocks usually refer to those companies expected to grow sales and earnings faster than the market average. Growth stocks typically don't pay dividends, often look expensive, and usually trading at a high P/E ratio. Nevertheless, such valuations could be relatively cheap if the company continues to grow, which will drive the share price up. However, since most investors are paying a high price for a growth stock, based on expectations, if those expectations are not fully realized, growth stocks can see dramatic declines.
| Common Stock Shares Outstanding | 5.7 M | |
| Quarterly Earnings Growth Y O Y | 0.567 |
Citizens Holding Current Valuation Indicators
Citizens Holding's valuation analysis is a process of estimating the intrinsic value of all assets and outstanding equities. There are different methodologies and models we use to develop the final Citizens Holding's valuation. The techniques such as discounted cash flow and fundamental indicators such as book value per share or market capitalization are well known and widely used across most financial advisers and money managers.
Valuations are an essential part of business, for companies themselves, but also for investors. For companies, such as Citizens Holding, valuations can help measure their progress and success and can help them track their performance in the market compared to others. In addition, investors can use Citizens Holding's valuations to help determine the worth of potential investments. They can do this by using data and information made public by a company. Regardless of who the valuation is for, it essentially describes Citizens Holding's worth.When determining whether Citizens Holding offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of Citizens Holding's financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of Citizens Holding Stock. Outlined below are crucial reports that will aid in making a well-informed decision on Citizens Holding Stock: Check out Trending Equities to better understand how to build diversified portfolios, which includes a position in Citizens Holding. 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. To learn how to invest in Citizens Stock, please use our How to Invest in Citizens Holding guide.You can also try the AI Portfolio Prophet module to use AI to generate optimal portfolios and find profitable investment opportunities.
Will Regional Banks sector continue expanding? Could Citizens diversify its offerings? Factors like these will boost the valuation of Citizens Holding. Projected growth potential of Citizens fundamentally drives upward valuation adjustments. Accurate valuation requires analyzing both current fundamentals and future growth trajectories. Every Citizens Holding data point contributes insight, yet successful analysis hinges on identifying the most consequential variables.
Quarterly Earnings Growth 0.567 | Dividend Share 0.04 | Earnings Share 0.33 | Revenue Per Share | Quarterly Revenue Growth 0.174 |
The market value of Citizens Holding is measured differently than its book value, which is the value of Citizens that is recorded on the company's balance sheet. Investors also form their own opinion of Citizens Holding's value that differs from its market value or its book value, called intrinsic value, which is Citizens Holding's true underlying value. Seasoned market participants apply comprehensive analytical frameworks to derive fundamental worth and identify mispriced opportunities. Because Citizens Holding's market value can be influenced by many factors that don't directly affect Citizens Holding's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
It's important to distinguish between Citizens Holding's intrinsic value and market price, which are calculated using different methodologies. Investment decisions regarding Citizens Holding should consider multiple factors including financial performance, growth metrics, competitive position, and professional analysis. Meanwhile, Citizens Holding's quoted price indicates the marketplace figure where supply meets demand through bilateral consent.