Citizens Holding Company (CIZN)

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The chart shows the growth of an initial investment of $10,000 in Citizens Holding Company, comparing it to the performance of the S&P 500 index or another benchmark. All prices have been adjusted for splits and dividends.

Citizens Holding Company (CIZN) has returned 13.78% so far this year and 11.61% over the past 12 months. Over the last ten years, CIZN has returned -3.89% per year, falling short of the S&P 500 Index benchmark, which averaged 12.16% annually.

Based on dividend-adjusted daily data since Oct 19, 1999, CIZN's average daily return is +0.03%, while the average monthly return is +0.37%. At this rate, your investment would double in approximately 15.6 years.

Historically, 51% of months were positive and 49% were negative. The best month was Dec 2001 with a return of +25.4%, while the worst month was Dec 2023 at -24.8%. The longest winning streak lasted 6 consecutive months, and the longest losing streak was 5 months.

On a daily basis, CIZN closed higher 34% of trading days. The best single day was Oct 1, 2008 with a return of +31.6%, while the worst single day was Dec 1, 2008 at -23.8%.

Citizens Holding Company has an annualized alpha of 6.58%, beta of 0.12, and R² of 0.01 versus S&P 500 Index. Calculated based on daily prices since October 20, 1999.

• This stock participated in 19.08% of S&P 500 Index downside but only 16.35% of its upside — more exposed to losses than it benefited from rallies.
• Beta of 0.12 may look defensive, but with R² of 0.01 this stock is largely uncorrelated with S&P 500 Index — low beta reflects independence, not downside protection. See the Volatility section for a true picture of this stock's risk.
• R² of 0.01 means this stock moves largely independently of S&P 500 Index — capture ratios reflect limited market correlation rather than active downside protection. Consider using a more representative benchmark.

CIZN ranks 52 for risk / return — on par with similar stocks. You're getting a typical balance of risk and reward. Not a standout, but not a red flag either — a reasonable choice if other factors align with your goals.

The table below present risk-adjusted performance metrics for Citizens Holding Company (CIZN) and compare them to a chosen benchmark (S&P 500 Index).

Citizens Holding Company provided a 0.22% dividend yield over the last twelve months, with an annual payout of $0.02 per share.

The table displays the monthly dividend distributions for Citizens Holding Company. The dividends shown in the table have been adjusted to account for any splits that may have occurred.

The Drawdowns chart displays portfolio losses from any high point along the way. Drawdowns are calculated considering price movements and all distributions paid, if any.

The table below displays the maximum drawdowns of the Citizens Holding Company. A maximum drawdown is a measure of risk, indicating the largest reduction in portfolio value due to a series of losing trades.

The maximum drawdown for the Citizens Holding Company was 69.34%, occurring on Dec 18, 2023. The portfolio has not yet recovered.

The current Citizens Holding Company drawdown is 56.35%.

The chart below shows the rolling one-month volatility.

The chart below illustrates the trends in the financial health of Citizens Holding Company over time, highlighting three key metrics: Total Revenue, Earnings Before Interest and Taxes (EBIT), and Net Income.

The Valuation section provides an overview of how Citizens Holding Company is priced in the market compared to other companies in the Banks - Regional industry. It includes key financial ratios that help investors assess whether the stock is undervalued or overvalued.