Citizens Holding Company (CIZN)

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Citizens Holding Company (CIZN) is up 35.8% since the beginning of the year. At $11 per share, CIZN is currently trading at its 52-week high. Investors who bought $1,000 worth of CIZN shares 5 years ago would now be looking at an investment worth $778.

Citizens Holding Company (CIZN) has returned 35.78% so far this year and 44.35% over the past 12 months. Over the last ten years, CIZN has returned -2.42% per year, falling short of the S&P 500 Index benchmark, which averaged 13.26% 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 +0.41%. At this rate, an investment would double in approximately 14.1 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 6.87%, beta of 0.12, and R2 of 0.00 versus S&P 500 Index. Calculated based on daily prices since October 19, 1999.

• This stock participated in 15.92% of S&P 500 Index downside but only 15.57% of its upside - more exposed to losses than it benefited from rallies.
• Beta of 0.12 may look defensive, but with R2 of 0.00 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 0.00 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 91 for risk / return — above 91% of stocks peers on PortfoliosLab. Its historical combined result is among the stronger results in the peer group.

Citizens Holding Company provided a 0.00% dividend yield over the last twelve months, with an annual payout of $0.00 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 47.92%.

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.