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Citizens Holding Company (CIZN)
OTHER OTC:CIZN
US Market
CIZN
Citizens Holding Company
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Citizens Holding Company (CIZN) Ratios

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Citizens Holding Company Ratios

CIZN's free cash flow for Q2 2026 was $0.69. For the 2026 fiscal year, CIZN's free cash flow was decreased by $ and operating cash flow was $0.17. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 0.18 0.97 0.04 0.21 0.18
Quick Ratio
 0.18 0.97 0.04 0.21 0.18
Cash Ratio
 0.14 0.23 0.03 0.07 0.02
Solvency Ratio
 <0.01 <0.01 <0.01 <0.01 <0.01
Operating Cash Flow Ratio
 0.00 0.20 <0.01 <0.01 0.01
Short-Term Operating Cash Flow Coverage
 0.00 0.20 0.02 0.03 0.09
Net Current Asset Value
$ -1.46B$ -1.38B$ -1.37B$ -1.08B$ -1.05B
Leverage Ratios
Debt-to-Assets Ratio
 0.09 0.06 0.23 0.13 0.11
Debt-to-Equity Ratio
 2.07 1.41 6.98 4.12 3.73
Debt-to-Capital Ratio
 0.67 0.59 0.87 0.80 0.79
Long-Term Debt-to-Capital Ratio
 0.20 0.18 0.24 0.00 0.00
Financial Leverage Ratio
 22.31 24.32 30.61 32.84 33.92
Debt Service Coverage Ratio
 0.06 0.08 <0.01 0.02 0.07
Interest Coverage Ratio
 0.42 0.34 0.07 0.09 2.40
Debt to Market Cap
 2.87 1.96 6.45 4.05 1.91
Interest Debt Per Share
 30.02 20.55 65.50 34.89 26.97
Net Debt to EBITDA
 11.51 7.39 123.57 25.37 9.16
Profitability Margins
Gross Profit Margin
65.15%62.92%54.50%64.82%90.12%
EBIT Margin
13.00%11.55%3.21%3.12%23.11%
EBITDA Margin
13.00%11.55%3.21%5.64%25.68%
Operating Profit Margin
13.00%11.55%3.21%3.12%23.11%
Pretax Profit Margin
12.99%11.55%9.34%3.12%23.11%
Net Profit Margin
11.22%9.86%7.42%3.25%19.33%
Continuous Operations Profit Margin
11.22%9.86%7.42%3.25%19.33%
Net Income Per EBT
86.31%85.36%79.46%104.16%83.64%
EBT Per EBIT
99.99%100.00%291.03%100.00%100.00%
Return on Assets (ROA)
0.61%0.54%0.37%0.13%0.73%
Return on Equity (ROE)
15.01%13.12%11.42%4.33%24.65%
Return on Capital Employed (ROCE)
0.77%0.66%0.92%3.11%22.54%
Return on Invested Capital (ROIC)
0.61%11.30%-0.22%0.76%4.89%
Return on Tangible Assets
0.62%0.54%0.38%0.13%0.73%
Earnings Yield
18.68%18.23%10.80%4.27%12.60%
Efficiency Ratios
Receivables Turnover
 14.85 14.31 13.15 10.91 10.23
Payables Turnover
 0.00 25.62 0.00 16.15 6.72
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 4.65 4.09 3.69 2.11 1.80
Asset Turnover
 0.05 0.05 0.05 0.04 0.04
Working Capital Turnover Ratio
 -1.10 -0.14 -0.07 -0.05 -0.06
Cash Conversion Cycle
 24.57 11.26 27.76 10.86 -18.67
Days of Sales Outstanding
 24.57 25.50 27.76 33.46 35.68
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 0.00 14.24 0.00 22.60 54.35
Operating Cycle
 24.57 25.50 27.76 33.46 35.68
Cash Flow Ratios
Operating Cash Flow Per Share
 0.00 2.69 1.20 0.99 2.47
Free Cash Flow Per Share
 0.00 2.41 1.12 0.86 1.99
CapEx Per Share
 0.00 0.29 0.08 0.13 0.47
Free Cash Flow to Operating Cash Flow
 0.00 0.89 0.93 0.87 0.81
Dividend Paid and CapEx Coverage Ratio
 0.00 8.26 1.66 1.16 1.72
Capital Expenditure Coverage Ratio
 0.00 9.42 14.97 7.69 5.21
Operating Cash Flow Coverage Ratio
 0.00 0.17 0.02 0.03 0.09
Operating Cash Flow to Sales Ratio
 0.00 0.18 0.09 0.10 0.28
Free Cash Flow Yield
0.00%30.41%12.39%11.06%14.56%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 5.33 5.49 9.26 23.42 7.94
Price-to-Sales (P/S) Ratio
 0.59 0.54 0.69 0.76 1.53
Price-to-Book (P/B) Ratio
 0.73 0.72 1.06 1.02 1.96
Price-to-Free Cash Flow (P/FCF) Ratio
 0.00 3.29 8.07 9.04 6.87
Price-to-Operating Cash Flow Ratio
 0.00 2.94 7.53 7.86 5.55
Price-to-Earnings Growth (PEG) Ratio
 0.07 0.12 0.05 -0.29 0.28
Enterprise Value Multiple
 16.07 12.07 144.98 38.87 15.13
Enterprise Value
 177.17M 115.25M 344.19M 125.04M 193.35M
EV to EBITDA
 16.07 12.07 144.98 38.87 15.13
EV to Sales
 2.09 1.39 4.65 2.19 3.89
EV to Free Cash Flow
 0.00 8.48 54.64 26.02 17.39
EV to Operating Cash Flow
 0.00 7.58 50.99 22.64 14.05
Tangible Book Value Per Share
 9.95 8.68 6.21 5.25 4.59
Shareholders’ Equity Per Share
 12.25 11.00 8.57 7.63 7.00
Tax and Other Ratios
Effective Tax Rate
 0.14 0.15 0.21 -0.04 0.16
Revenue Per Share
 14.91 14.63 13.18 10.18 8.93
Net Income Per Share
 1.67 1.44 0.98 0.33 1.73
Tax Burden
 0.86 0.85 0.79 1.04 0.84
Interest Burden
 1.00 1.00 2.91 1.00 1.00
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.32 0.32 0.29 0.34 0.37
Stock-Based Compensation to Revenue
 <0.01 0.00 0.00 <0.01 <0.01
Income Quality
 0.00 1.87 1.23 2.98 1.43
Currency in USD