CITIZENS HOLDING CO /MS/ (CIZN)
State Commercial Banks · Financial Services · $53M
Intrinsic Value (Consensus)
$6.69
Current Price
$9.37
Margin of Safety
-28.6%
28.6% Above Intrinsic Value
Value: $7
Price: $9
Valuation Model Estimates
Current Price: $9.37
DCF (Discounted Cash Flow)
$10.85
Graham Number
$7.52
Earnings Power Value
$3.20
Relative Value (P/E)
$6.60
Dividend Discount Model
$5.30
Consensus Value
$6.69
Model Assumptions
Discount Rate
10.3%
Growth Rate
2.0%
Terminal Growth
2.5%
Risk-Free Rate
4.3%
Discount rate derived from CAPM (risk-free rate + beta × market risk premium). Growth rate based on trailing earnings growth, capped at 20%.
Health Score
D
47
Profitability
12/25
Strength
22/25
Valuation
9/25
Growth
4/25
Financial Health Signals
Solid dividend yield (6.7%)
High free cash flow yield (9.1%) — generating lots of cash relative to price
Key Financials
- EPS (TTM)
- $0.33
- EPS (Forward)
- $0.34
- Book Value
- $7.62
- P/E Ratio
- 20.0
- Forward P/E
- 19.6
- PEG Ratio
- —
- ROE
- 4.3%
- Debt/Equity
- 42%
- Revenue Growth
- N/A
- Earnings Growth
- 2.0%
- Dividend Yield
- 6.7%
- Beta
- 1.00
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Data last updated: 2026-06-21
Source: Yahoo Finance