Citizens Holding's Competitiveness
A competitive positioning analysis and financial ratio benchmarking of Citizens Holding (CIZN) against its publicly traded competitors: sales growth, net income, profitability, valuation and market share, plus each peer's market capitalization, revenue, income and employees. Free below: the top 5 peers. Subscriber access adds the full competitor list and CSV downloads.
Key Findings: Citizens Holding vs Its Competitors
- TTM: Trailing 12-month revenue of 38M vs 862,077M combined for tracked competitors (0.0% combined share).
- Trending: Latest-quarter revenue run-rate is decelerating (-13.9% annualized vs trailing 12 months), vs decelerating (-22.4%) for its tracked peer group.
- Growth: Citizens Holding generated -29.0% revenue growth year over year in Q4 2023, vs -1.0% for its tracked competitors combined.
- Profitability: Its -9.7% net margin compares with 17.1% for the peer group.
- Scale: Citizens Holding ranks #192 of 216 companies by market capitalization in the Regional Banks industry, holding 0.0% of industry market cap.
- Peer revenue share: Citizens Holding accounted for 0.0% of combined revenue among its tracked peer group, down from 0.0% a year earlier.
- Peer differentiation: Revenue per employee of $0.19M compares with $0.49M for the peer group (0.4x).
Every figure above is sourced and cited in detail further down this page (Market Structure, Profitability & Cost Structure, Productivity vs Peers).
CIZN Sales vs. its Competitors, Q4 2023
Citizens Holding reported revenue contraction of 28.95 % year on year in Q4 2023, below its competitors' combined revenue change of -0.95 %.
With a net margin of -9.71 %, Citizens Holding reported lower profitability than its competitors (17.12 %).
Citizens Holding generated 0.00 % of the combined sales of its peer group, down from 0.01 % a year earlier.
Citizens Holding vs. its Competitors, Q4 2023
Revenue growth, year on year
Net margin
Revenue run-rate vs trailing 12 months
TTM net margin
TTM = trailing twelve months. Run-rate annualizes the latest quarter (×4) and compares it to TTM. In millions of $. High-Confidence Competitors are named as a competitor directly in an SEC filing; Similar-Size Competitors are the closest peers by market-cap rank within the same industry; Similar Growth & Profitability Competitors are the closest peers by combined revenue growth, operating margin and ROIC, all independent of the competitor list.
TTM revenue, latest-quarter run-rate and net income/margin benchmarked across Citizens Holding and its 4 competitor groupings. Available under Commercial License.
| Entity | TTM Revenue | Rev Run-rate vs TTM |
|---|---|---|
| Citizens Holding Company | $12,345M | +12.3% · Accelerating |
| Competitors combined | $12,345M | +12.3% · Accelerating |
| Similar-Size Competitors (10) | $12,345M | +12.3% · Accelerating |
| Similar Growth & Profitability (5) | $12,345M | +12.3% · Accelerating |
TTM revenue, run-rate and net margin benchmarking across Citizens Holding's competitor groups requires a Commercial License.
For context: the Regional Banks industry grew revenue 7.8% year over year, combined, vs -29.0% for Citizens Holding. Citizens Holding's share of combined industry revenue moved from 0.01% to 0.00%, a gain of 0.00 percentage points.
Citizens Holding's Competitor Quality Breadth
Share of each group, trailing 12 months: profitable (net margin > 0), expanding (revenue growth > 0), growing faster than the industry's own median, and financially distressed (Piotroski F-Score of 2 or below).
| Entity | Profitable | Expanding | Above Industry Growth | Distressed |
|---|---|---|---|---|
| Citizens Holding Company | Yes | No | No | Yes |
| Competitors combined (203) | ||||
| Similar-Size Competitors (10) | ||||
| Similar Growth & Profitability (8) | 75.00 % (6 of 8) | 0.00 % (0 of 8) | 0.00 % (0 of 8) | 62.50 % (5 of 8) |
Source: CSIMarket API, trailing 12 months. Altman Z-Score is not shown here: it is not populated in the underlying data for any company. Percentages are of companies in each group that report the relevant metric, not of the full group size.
CIZN Stock Performance relative to its Competitors
CIZN Stock Performance relative to Similar-Size Competitors
CIZN Stock Performance relative to Similar Growth & Profitability Competitors
5 Best-Performing Tracked Competitors, Trailing 12 Months
| # | Competitor | TTM Share Price Return | vs U.S.A. 500 |
|---|---|---|---|
| 1 | Old Point Financial Corp | 282.9% | Outperformed |
| 2 | Optimumbank Holdings Inc | 282.9% | Outperformed |
| 3 | Community Ban corp | 282.9% | Outperformed |
| 4 | The Bank Of New York Mellon Corporation | 282.9% | Outperformed |
| 5 | Bank Of The James Financial Group Inc | 282.9% | Outperformed |
TTM share price return and U.S.A. 500 outperformance for Citizens Holding's best-performing tracked competitors requires a Commercial License.
Source: CSIMarket API, trailing 12 months.
Citizens Holding's Comment on Competition and Industry Peers
The banking business is highly competitive. The Company’s market consists principally of Neshoba, Newton, Leake, Lamar, Forrest, Scott, Attala, Lauderdale, Oktibbeha, Rankin, Harrison, Jackson, Winston and Kemper and contiguous counties in Mississippi. In 2008, the Company entered the southern Mississippi market with the opening of a branch office in Hattiesburg, Mississippi, which is located in Lamar County, and in 2009, opened a loan production office in Biloxi, Mississippi, which in April 2014, was converted into a full service branch. In 2011, the Company opened a branch in Flowood, Mississippi. In 2014, the Company established an additional branch in Biloxi to better serve the Gulf Coast. The Company competes with local, regional and national financial institutions in these counties and in surrounding counties in Mississippi in obtaining deposits, lending activities and providing many types of financial services. The Company also competes with larger regional banks for the business of companies located in the Company’s market area.
All financial institutions, including the Company, compete for customers’
deposits. The Company also competes with savings and loan associations, credit
unions, production credit associations, federal land banks, finance companies,
personal loan companies, money market funds and other non-depository financial
intermediaries. Many of these financial institutions have resources significantly
greater than those of the Company. In addition, new financial intermediaries,
such as money-market mutual funds and large retailers, are not subject to the
same regulations and laws that govern the operation of traditional depository
institutions. The Company believes it benefits from a good reputation in the
community and from the significant length of time it has provided needed banking
services to its customers. Also, as a locally owned financial institution, the
Company believes it is able to respond to the needs of the community with services
tailored to the particular demands of its customers. Furthermore, as a local
institution, the Company believes it can provide such services faster than a
larger institution not based in the Company’s market area.
Recent changes in federal and state law have resulted in, and are expected to
continue to result in, increased competition. The reductions in legal barriers
to the acquisition of banks by out-of-state bank holding companies resulting
from implementation of the Dodd-Frank Act and other recent changes in banking
laws and regulations are expected to continue to further stimulate competition
in the markets in which the Company operates, although it is not possible to
predict the extent or timing of such increased competition.
Currently, there are approximately thirty different financial institutions in
the Company’s market competing for the same customer base. According to
the FDIC’s Summary of Deposits that is collected as of June 30 each year,
the Company’s market share in its market area was approximately 5.89%
at June 30, 2015. The Company competes in its market for loan and deposit products,
along with many of the other services required by today’s banking customer,
on the basis of availability, quality and pricing. The Company believes it is
able to compete favorably in its markets, in terms of both the rates the Company
offers and the level of service that the Company provides to its customers.
Publicly Traded Peers of Citizens Holding Company
Revenue and income for trailing 12 months, in millions of $, except employees| Company | Market Cap | Revenues |
|---|---|---|
| Citizens Holding Company | 52.37 | 37.96 |
| Jpmorgan Chase and Co | 888,803.11 | 186,328.00 |
| Bank Of America Corporation | 393,412.68 | 121,098.00 |
| Wells Fargo and Company | 244,953.38 | 83,940.00 |
| Citigroup inc | 225,214.56 | 88,262.00 |
| Capital one financial corp | 119,682.86 | 51,099.00 |
| SUBTOTAL | 2,830,463.70 | 868,798.24 |
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Sources: Citizens Holding Company's official press releases and regulatory filings; CSIMarket.com's market research; and the financial filings and press releases of the other companies cited.
Updated on:
Focus of this report: publicly traded companies. Ten additional tables on Citizens Holding Company versus competitors, including market share analysis, are in the navigation menu under Competition. To download the tables, please subscribe.
Citizens Holding's Competitors Named by the Company
Competitive relationships identified from SEC filings and corroborating sources, each with a basis and confidence.| Competitor | Basis | Confidence |
|---|---|---|
| First Bancorp | Named by the company | 85% |
| First Bancorp | Named by the company | 85% |
| Bank Bradesco | Named by the company | 85% |
| Financial Institutions Inc | Named by the company | 85% |
| Merchants Bancorp | Named by the company | 85% |
| Wintrust Financial Corp | Named by the company | 85% |
Filing basis, confidence, active dates and source counts for Citizens Holding's named competitors require a Commercial License.
Methodology: relationships are extracted from SEC filings (named-competitor disclosures) and corroborating sources. Named by the company = explicitly disclosed as a competitor; Inferred = derived from corroborating signals. Confidence reflects evidence strength.
Citizens Holding's Business Segment Mix vs Peers
Revenue by operating segment or division, as named and reported by each company. Segment names are the filer's own and are not standardized across companies. Do not assume a same-named or similarly-named segment is defined identically between two companies. Shares are of each company's own total revenue and are not required to sum to 100% (intersegment revenue, unallocated items).| Company | Largest Segment |
|---|---|
| Citigroup inc | Markets 29.42 % |
| D r Horton Inc | HomeBuildingOps 94.14 % |
| First Citizens Bancshares Inc | Commercial Bank 46.42 % |
| Pultegroup Inc | Florida 26.99 % |
| Lennar Corp | Homebuilding West 34.85 % |
Source: operating segment revenue as reported in each company's SEC filings (10-K/10-Q), via the CSIMarket API, leaf-level reportable segments only (parent roll-up segments are excluded where sub-segments are separately disclosed).
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Citizens Holding's Productivity vs Peers Comparison
Revenue and income per employee, trailing 12 months, in $; market cap in millions of $| Company | Market Cap | Revenue / Employee | Income / Employee |
|---|---|---|---|
| Citizens Holding Company | 52 | 189,785 | 9,270 |
| Jpmorgan Chase and Co | 888,803 | 584,995 | 200,752 |
| Bank Of America Corporation | 393,413 | 568,535 | 158,005 |
| Wells Fargo and Company | 244,953 | 351,213 | 95,100 |
| Citigroup inc | 225,215 | 390,540 | 72,049 |
| Capital one financial corp | 119,683 | 669,712 | 137,615 |
| PEERS TOTAL | 2,830,411 | 485,376 | 129,933 |
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Citizens Holding's Geographic Revenue Exposure vs Peers
Revenue by country/region as reported in each company's most recent filing. Disclosure granularity varies by filer (some report by country, others by broad region) and is shown as disclosed.| Company | Largest Market |
|---|---|
| Lionsgate Studios Corp | UNITED STATES 64.70 % |
Source: revenue geography as reported in each company's SEC filings (10-K/10-Q), via the CSIMarket API. Percentages are of that company's own total consolidated revenue for its most recent reported period.
Citizens Holding's Position in Industry Market Structure
Market-capitalization share and concentration across all 198 companies in Citizens Holding's industry classification, broader than the peer set above. Market cap in millions of $.Citizens Holding ranks #192 of 198 companies by market capitalization in its industry, holding 0.01 % of total industry market cap. The industry's Herfindahl-Hirschman Index (HHI) is 522, indicating a unconcentrated market structure (U.S. antitrust guidance: below 1,500 unconcentrated, 1,500 to 2,500 moderately concentrated, above 2,500 highly concentrated).
| Rank | Company | Market Cap | Industry Share |
|---|---|---|---|
| 1 | Bank Of Nova Scotia | 111,333 | 14.87 % |
| 2 | Deutsche Bank Aktiengesellschaft | 70,679 | 9.44 % |
| 3 | State Street Corp | 48,790 | 6.52 % |
| 4 | Ita Unibanco Holding S a | 47,835 | 6.39 % |
| 5 | Fifth Third Bancorp | 1,234 | 5.2% |
| 6 | M and t Bank Corporation | 1,234 | 5.2% |
| 7 | Northern Trust Corporation | 1,234 | 5.2% |
| 8 | Citizens Financial Group Inc | 1,234 | 5.2% |
| 9 | First Citizens Bancshares Inc | 1,234 | 5.2% |
| 10 | Bank Bradesco | 1,234 | 5.2% |
| 192 | Citizens Holding Company | 52 | 0.01 % |
Market cap and industry share for the rest of Citizens Holding's industry peers requires a Commercial License.
Source: CSIMarket API (daily market-structure computation) across CSIMarket's industry classification, market capitalization as of 2026-10-01.
Citizens Holding's Same-Size Peers & Stock Performance
Peers chosen by closeness in market-cap rank within the same industry classification (not the named-competitor list above). Trailing 12-month total return, 3-month price momentum, beta and Sharpe ratio vs the broad U.S. market.| Rank | Company | Market Cap | TTM Return |
|---|---|---|---|
| 187 | Auburn National Bancorporation Inc | 92 | - |
| 188 | First Northwest Bancorp | 89 | 26.43 % |
| 189 | United Bancorp Inc | 81 | 5.87 % |
| 190 | Juniata Valley Financial Corp | 79 | 9.05 % |
| 191 | Farmers And Merchants Bancshares Inc | 1,234 | 12.3% |
| 192 | Citizens Holding Company | 52 | 40.60 % |
| 193 | Texas Community Bancshares inc | 1,234 | 12.3% |
| 194 | Marathon Bancorp inc | 1,234 | 12.3% |
| 195 | Quaint Oak Bancorp Inc | 1,234 | 12.3% |
| 196 | Bayfirst Financial Corp | 1,234 | 12.3% |
| 197 | Glen Burnie Bancorp | 1,234 | 12.3% |
Market cap, return, momentum, beta and Sharpe ratio for the rest of Citizens Holding's same-size peers requires a Commercial License.
Source: CSIMarket API (daily market-structure computation); returns and risk metrics as of 2026-10-01. Beta and Sharpe ratio are versus the broad U.S. equity market, not this industry.
Citizens Holding's Profitability & Cost Structure
Trailing 12-month margins from SEC-filed financials. Operating margin is compared to the Regional Banks industry median; gross margin, EBITDA margin and capital intensity are compared to the live industry average (130 companies). See the full Regional Banks industry profitability benchmarks.| Metric | Company | Industry | Difference |
|---|---|---|---|
| Gross Margin | 49.28 % | 64.14 % (avg) | -14.9 pp |
| Operating Margin | 4.69 % | industry median | -29.1 pp |
| EBITDA Margin | 23.14 % | 49.90 % (avg) | -26.8 pp |
| Capital Intensity (Capex / Revenue) | 1.89 % | 3.18 % (avg) | -1.3 pp |
Source: CSIMarket API, trailing 12 months. SG&A and R&D as a share of revenue have limited coverage as this data is backfilled and appear only where reported. Higher capital intensity is not inherently negative; it reflects the industry's asset requirements.
Citizens Holding's Valuation vs Competitive Position
Valuation multiples vs the Regional Banks industry average (130 companies, excluding loss-making/negative-equity outliers), alongside returns on capital for context on whether a premium or discount lines up with measurably stronger or weaker returns. See the full Regional Banks industry valuation benchmarks.| Metric | Company | Industry Average | Difference |
|---|---|---|---|
| P/E | 26.9x | 15.6x | +11.4x |
| EV / EBITDA | -5.0x | 6.2x | -11.1x |
| P/B | 1.3x | 1.3x | 0.0x |
| Return on Equity | 4.68 % | industry aggregate | -7.24 % |
| Return on Invested Capital | 0.13 % | 3.20 % (avg) | -3.07 % |
Source: CSIMarket API, trailing 12 months. A valuation premium or discount is not, by itself, a judgment of over- or under-valuation. Compare it against the return and growth context shown elsewhere on this page.
Citizens Holding's Multi-Year Financial Trajectory
Fiscal-year revenue growth, operating margin, return on invested capital and P/E, as reported in SEC filings.| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 |
|---|---|---|---|---|---|---|---|---|
| Revenue Growth | -2.33 % | 3.37 % | -2.32 % | -1.00 % | 20.95 % | 5.14 % | 3.16 % | -16.89 % |
| Operating Margin | - | 21.59 % | 21.33 % | 20.84 % | 20.62 % | 20.16 % | 25.18 % | 4.69 % |
| Return on Invested Capital | - | 3.65 % | 4.09 % | 3.45 % | 3.33 % | 3.69 % | 1.55 % | 0.13 % |
| P/E | 17.9x | 30.7x | 15.6x | 18.7x | 16.7x | 13.6x | 8.0x | 26.9x |
Source: CSIMarket API, fiscal-year figures. P/E is this company's own historical ratio at each fiscal year end and can swing sharply around an earnings trough: that is real, not a data error.
Citizens Holding's Strategic Group Map
Every company in Citizens Holding's industry and named-competitor list, plotted by trailing 12-month revenue growth and operating margin. Citizens Holding is shown in red; its closest peers by combined growth, margin and ROIC (the Similar Growth & Profitability group above) are labeled.
Source: CSIMarket API, trailing 12 months. Extreme outlier values (from near-zero-revenue companies) are excluded from the plotted cloud but never from the highlighted company or its labeled peers.
Citizens Holding's BCG Growth-Share Matrix
Relative market share (vs Citizens Holding's largest competitor by market cap) against industry revenue growth, using the standard textbook thresholds (1.0x share, 10% growth) a common framework, not a precision instrument.
Citizens Holding falls in the Question Mark quadrant: relative market share of 0.00x vs its largest competitor, in an industry growing revenue 12.3% (median, trailing 12 months).
Source: CSIMarket API (market-cap share and industry revenue growth). The 10% growth and 1.0x share lines are standard textbook thresholds, not derived from this industry's own distribution.
Citizens Holding's Competitive Forces (Porter's Five Forces)
Only the forces this data can support honestly are shown; the other three are marked as such rather than guessed.| Force | Assessment | Basis |
|---|---|---|
| Competitive Rivalry | High | Industry HHI of 522 (see Industry Market Structure & Concentration above) |
| Barriers to Entry | Lower than typical for the industry | Capital intensity (capex / revenue) of 1.89 % vs industry average 3.18 % (see Profitability & Cost Structure above) |
| Supplier Power | Not covered on this page | See Citizens Holding's dedicated suppliers page for concentration and dependency data |
| Buyer Power | Not covered on this page | See Citizens Holding's dedicated customers page for concentration and dependency data |
| Threat of Substitutes | - | No systematic data source for cross-product substitution exists in this system; not estimated |
Note: this is a partial, data-grounded application of the framework, not a complete strategic assessment. Rivalry and barriers-to-entry readings are mechanical translations of the HHI and capital-intensity figures shown elsewhere on this page, not independent judgments.
Citizens Holding's Industry Attractiveness & Competitive Strength
A CSIMarket composite, not a standard field: each axis is an equal-weighted average of three factors already shown elsewhere on this page (industry growth, industry profitability and rivalry for attractiveness; relative market share, profitability and growth vs industry for strength). Disclosed as a designed methodology, not a precision measurement.
Citizens Holding falls in the Medium attractiveness / Low strength cell: Harvest.
Source: CSIMarket API, trailing 12 months. Each axis score is a simple 1(low)/2(medium)/3(high) average across its three inputs -- a transparent, disclosed simplification, not a validated academic scoring model.
Citizens Holding's SWOT
Every point below is a fixed rule applied to a metric already shown elsewhere on this page (Market Structure, Profitability, Valuation, Run-Rate, Stock Performance, Quality Breadth) not an independent strategic assessment. A blank quadrant means no rule was met, not that none apply.Strengths
- Outperforming the U.S.A. 500 over the trailing 12 months.
Weaknesses
- Operating margin 29.1 points below the industry median.
- Return on equity 7.2 points below the industry aggregate.
- Latest-quarter revenue run-rate is decelerating (-13.9% annualized vs trailing 12 months).
- Low relative market share vs the industry leader (0.00x).
- Piotroski F-Score of 2 or below, the standard financial-distress signal.
Opportunities
- Industry revenue growing at a healthy 12.3% median pace.
Threats
- Tracked peer group's revenue run-rate is broadly decelerating (-22.4% annualized).
Methodology: mechanical, rule-based SWOT. Each bullet reuses a figure already sourced and cited elsewhere on this page; nothing here is generated narrative or independent analyst judgment.
Citizens Holding's Financial Strength vs Peers Comparison
Quick ratio, working capital, debt to equity and asset turnover, trailing 12 months| Company | Quick Ratio | Working Capital | Debt / Equity |
|---|---|---|---|
| Citizens Holding Company | - | 1.07 | 2.44 |
| Jpmorgan Chase and Co | 0.17 | 0.42 | 1.40 |
| Bank Of America Corporation | 0.09 | 0.52 | 1.25 |
| Wells Fargo and Company | 0.11 | 0.80 | 1.41 |
| Citigroup inc | 0.01 | 0.40 | 1.75 |
| Capital one financial corp | 0.03 | 1.03 | 0.39 |
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Quick ratio = cash / current liabilities; working capital ratio = current assets / current liabilities; asset turnover = revenue / total assets. Peers in the Blank Checks industry are excluded.
Citizens Holding's Revenue and Income Growth vs Peers
Quarterly revenue and net income growth, year over year and quarter over quarter| Company | Period | Revenue Y/Y | Income Y/Y |
|---|---|---|---|
| Citizens Holding Company | Q4 2023 | -29.0 % | - |
| Jpmorgan Chase and Co | Q2 2026 | +30.4 % | +44.0 % |
| Bank Of America Corporation | Q2 2026 | +15.0 % | +27.5 % |
| Wells Fargo and Company | Q2 2026 | +14.2 % | +21.6 % |
| Citigroup inc | Q1 2026 | +14.1 % | +44.6 % |
| Capital one financial corp | Q2 2026 | +1,392.5 % | - |
| PEERS TOTAL | +23.3 % | +44.8 % |
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Growth is shown only where both periods are positive. Peers in the Blank Checks industry are excluded.
Citizens Holding's Peers' Costs of Sales and Capital Expenditures
Context for revenue growth: peer costs and capex, year over year and quarter over quarter| Company | Period | Costs Y/Y | Capex Y/Y |
|---|---|---|---|
| Citizens Holding Company | Q4 2023 | +282.1 % | -80.3 % |
| Jpmorgan Chase and Co | Q2 2026 | -6.4 % | - |
| Bank Of America Corporation | Q2 2026 | - | - |
| Wells Fargo and Company | Q2 2026 | -16.2 % | - |
| Citigroup inc | Q1 2026 | - | -6.7 % |
| Capital one financial corp | Q2 2026 | -73.8 % | -8.0 % |
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Citizens Holding's Returns and Turnover vs Peers
ROA, ROI and ROE (trailing 12 months), receivables and inventory turnover| Company | ROA | ROI | ROE |
|---|---|---|---|
| Citizens Holding Company | 0.14% | 0.14% | 4.68% |
| Jpmorgan Chase and Co | 1.35% | 3.71% | 17.50% |
| Bank Of America Corporation | 0.97% | 2.76% | 11.13% |
| Wells Fargo and Company | 1.05% | 2.94% | 12.48% |
| Citigroup inc | 0.61% | 0.63% | 7.62% |
| Capital one financial corp | 1.56% | 3.24% | 9.26% |
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ROA = net income / total assets; ROI = net income / investments; ROE = net income / equity; turnover ratios use trailing 12 month revenue (receivables) and cost of sales (inventory).
Citizens Holding's Valuation vs Peers
P/E, price to sales, PEG, price to cash flow and price to book| Company | P/E | Price / Sales |
|---|---|---|
| Citizens Holding Company | 28.33 | 1.38 |
| Jpmorgan Chase and Co | 13.89 | 4.77 |
| Bank Of America Corporation | 12.43 | 3.25 |
| Wells Fargo and Company | 11.65 | 2.92 |
| Citigroup inc | 15.77 | 2.55 |
| Capital one financial corp | 11.47 | 2.34 |
| PEERS AVERAGE | 12.17 | 3.26 |
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P/E = price / diluted EPS (trailing 12 months); PEG = P/E divided by EPS growth; the average row divides the peers' combined market cap by their combined income, sales, cash flow and equity.