Return On Equity
16%
Third-party reference; reporting period not verified
CITIZENS HOLDING CO /MS/ financial metrics
Period Q1 2024 · Filed 29 Mar 2024
Key metrics snapshot
Return On Assets
0.6%
Third-party reference; reporting period not verified
Operating Margin
25%
Third-party reference; reporting period not verified
Debt-to-equity
33.08x
Period-end balance · Through 31 Dec 2023
YoY relative change: +3.3%
NetIncomeLoss YoY
-81%
Trailing 12 months · Through 31 Dec 2023
Profitability
| Metric | Latest value | YoY relative change |
|---|---|---|
| Return On Equity |
16%
Third-party reference; reporting period not verified
|
|
| Return On Assets |
0.6%
Third-party reference; reporting period not verified
|
|
| Operating Margin |
25%
Third-party reference; reporting period not verified
|
Financial Health
| Metric | Latest value | YoY relative change |
|---|---|---|
| Debt-to-equity |
33.08x
Period-end balance · 31 Dec 2023
|
+3.3% |
Growth
| Metric | Latest value | YoY relative change |
|---|---|---|
| NetIncomeLoss YoY |
-81%
Trailing 12 months · 31 Dec 2023
|
Share Metrics
| Metric | Latest value | YoY relative change |
|---|---|---|
| Entity Common Stock, Shares Outstanding |
5,624,052
Period-end balance · 29 Mar 2024
|
+0.3% |
Comparisons, sources and research notes
Sources and sharing
CIZN - CITIZENS HOLDING CO /MS/ Financial Facts
- Context
- Latest metrics period: Q1 2024
- Latest reported value
- Return On Equity 16%
Based on company facts extracted from SEC 10-Q/10-K XBRL filings where available. Open metric pages to inspect the reported history.
Tracking and update notes
Why revisit this company facts page
Company facts change as new 10-Q and 10-K filings update the latest reported period, headline values, and cross-company comparison context.
- Latest source-backed update
- Latest metrics period Q1 2024
- Why come back
- Use the next filing cycle to compare new facts against this baseline and then verify the detailed metric history.
- Current latest metrics period: Q1 2024.
- Most recent SEC facts end date on this page: 29 Mar 2024.
- Save this filer to return when the next filing-backed metric period changes the picture.
Freshness comes from the latest SEC company facts period available for this filer and the linked metric history pages.
Latest update
Latest update for CIZN - CITIZENS HOLDING CO /MS/
Latest financial period: Q4 2023. Reopen this facts page to verify the newest reported period against the prior baseline.
Update date
29 Mar 2024
Page type
Company facts
Latest period
Q1 2024
SEC-backed company facts were refreshed from filings filed on 29 Mar 2024.
Benchmark Context
How Return On Equity compares
Return On Equity does not yet have enough prior-period data for a historical comparison on this page.
Compared with
Compared with CITIZENS HOLDING CO /MS/'s recent history first. Same-industry peer context appears only when enough SEC-backed benchmark coverage exists.
Why this is notable
Return On Equity already has a self-history signal here, but same-industry benchmark context waits until the benchmark sample is strong enough.
- Latest comparable period on this page: Q1 2024.
- Peer context will appear when enough companies report a comparable value for this metric.
- Open the metric history first if you want to verify the exact period-to-period change.
Industry benchmark context uses SEC-reported values from the same methodology version. Latest periods may differ across companies.
How to read key metrics on this page
These short guides explain what the headline metrics mean, what to compare next, and where to open the live SEC-backed example for this company.
Plain-English Guide
How to read Net Income on this page
Net income is profit after operating costs, interest, taxes, and other non-operating items.
Why people care
It is the bottom-line profit figure many users recognize first, especially when they want to compare earnings with sales or cash flow.
How to read it
Use the same quarter or fiscal year comparison first, then check operating income or cash flow if the bottom line moved sharply.
Compare next
Compare it with operating income, EPS, and operating cash flow to see whether earnings are broad-based or driven by one-off items.
Net income can swing because of tax, financing, or accounting adjustments, so it is often less comparable than core operating metrics.
Open a live SEC-backed example
Filing notes and source
Key facts
- CIZN - CITIZENS HOLDING CO /MS/ financial facts use SEC filings; any third-party reference is labeled separately.
- Latest metrics period on this page: Q1 2024.
- Headline metric: Return On Equity 16%.
Change
- Comparable YoY change is unavailable for this metric.
- Most recent SEC facts end date: 29 Mar 2024.
Research use
- This gives a beginner-friendly first read before you inspect detailed formulas and metric tables.
- Metric cards link to SEC history; a third-party reference may use a different or unverified reporting period.
Evidence
Based on latest 10-Q/10-K
View source filing
Based on company facts extracted from SEC 10-Q/10-K XBRL filings where available. Open company facts to inspect the reported metric history.
Latest financial snapshot (2024-03-29) highlights Return On Equity 15.8%, Return On Assets 0.6%, and Operating Margin 24.9%.
Valuation Snapshot
SEC-only DCF estimate using a normalized free cash flow base, cash, debt, and reported share count when available.
DCF value above price
About fair
Medium confidence
16%
fair value gap
USD inputs only. Cash and complete debt must share the latest balance date. Missing balances are unknown, never zero; equity value and market EV remain unavailable until both are verified.
Fair value per share
$12.14
Market price
$10.48
CIZN - Local security
PEG ratio
7.9x
P/E 31.7x / growth 4%
DCF Growth Assumption
Enterprise value
$149.59M
Equity value
$67.98M
DCF fair value scenarios
Bear
$5.36
- Growth
- 1%
- Discount
- 11%
- Terminal
- 2%
Gap -49%
Base
$12.14
- Growth
- 4%
- Discount
- 10%
- Terminal
- 2.5%
Gap 16%
Bull
$22.80
- Growth
- 7%
- Discount
- 9%
- Terminal
- 3%
Gap 118%
Base growth: DCF Growth Assumption.
Key valuation metrics
EV/Revenue
n/a
Local security market EV / SEC revenue
Revenue is unavailable or not positive
EV/EBITDA
n/a
Local security market EV / SEC EBITDA
Ebitda is unavailable or not positive
P/E
31.7x
Local security market price / SEC EPS
P/S
n/a
Local security market cap / SEC revenue
Revenue is unavailable or not positive
P/B
1.4x
Local security market cap / SEC equity
PEG
7.9x
P/E / DCF Growth Assumption
Core assumptions
- Projection
- 5 years
- FCF growth
- 4%
- Discount rate
- 10%
- Terminal growth
- 2.5%
SEC fact inputs
- DCF base FCF
- $10.27M
- Normalized SEC FCF average
- Reported FCF
- $4.8M
- Net income
- $1.85M
- EBITDA
- n/a
- Cash
- $94.48M
- Debt
- $176.09M
- Equity
- $42.77M
- Shares
- 5,600,964
Input periods, units and SEC sources
Equity value = DCF enterprise value + cash − debt. Cash flow uses matching annual or trailing-12-month periods.
- Operating cash flow: 5,523,000.0 USD · through 2023-12-31 · reported annual SEC source
- Capital expenditures: 718,000.0 USD · through 2023-12-31 · reported annual SEC source
- Cash and equivalents: 94,476,000.0 USD · through 2023-12-31 SEC source
- Debt: 176,086,000.0 USD · through 2023-12-31 · Borrowings excluding leases SEC source SEC source
Data confidence notes
- Dcf base free cash flow: trailing free cash flow is below recent annual free cash flow, so dcf uses a normalized sec average
- Peg uses dcf growth assumption because historical sec growth is not positive
- Dcf uses fallback growth assumption because historical free cash flow growth is not positive
Compare This Company Through SEC-backed Metrics
Use these links to compare CIZN - CITIZENS HOLDING CO /MS/ against other SEC filers on the same metric, then verify the company history from the paired facts page.
NetIncomeLoss YoY
Latest value: -81%
Financial Quality Score
Transparent 0-100 scoring model based on profitability, financial health, and growth factors.
23.7/100
Weak Confidence medium
Return On Equity
16%
Metric score 45.9/100
Return On Assets
0.6%
Metric score 0.0/100
Financial Health
- Debt to Equity
- 33.08x
Strengths
Operating Margin
Watchpoints
Return On Assets, Debt-to-equity, and NetIncomeLoss YoY
Calculation methodology and other links
How we score
This score is transparent and deterministic. We weight profitability, financial health, and growth metrics, then renormalize weights when SEC data is missing.
| Metric | Weight | V1 threshold |
|---|---|---|
| ROIC | 20 | 5% to 20% |
| ROE | 15 | 8% to 25% |
| ROA | 10 | 2% to 10% |
| Operating Margin | 5 | 5% to 25% |
| Current Ratio | 12 | 1.0x to 2.0x |
| Quick Ratio | 8 | 0.8x to 1.5x |
| Debt to Equity | 10 | 0.3x to 2.0x (lower is better) |
| Revenue YoY | 10 | -10% to +20% |
| Net Income YoY | 10 | -10% to +20% |
How Calculated (standard_v1)
Metrics are computed with a market-consensus convention designed for cross-portal comparability.
- Operating Income / Revenues using matching TTM or quarter periods; basis shown per metric
- Current Assets / Current Liabilities (latest instant quarter)
- (Current Assets - Inventory) / Current Liabilities; fallback: (Cash+Short-Term Investments + Accounts Receivable) / Current Liabilities
- Total Debt / Stockholders Equity (latest instant quarter; shared unit; freshest series)
- TTM Net Income / Average Equity (current quarter + same quarter previous year) / 2
- TTM Net Income / Average Assets (current quarter + same quarter previous year) / 2
- TTM NOPAT / Average Invested Capital, where NOPAT=Operating Income*(1-tax rate), Invested Capital=Equity+Total Debt-Cash & ST Investments
- Revenues YoY using available TTM or quarter comparison; basis shown per metric
- Net Income YoY using available TTM or quarter comparison; basis shown per metric
CIK / security context first