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 880,886M combined for its competitors (0.0% combined share).
- Trending: Latest-quarter revenue run-rate is decelerating (-13.9% annualized vs trailing 12 months), vs decelerating (-23.5%) for its tracked peer group.
- Growth: Citizens Holding generated -29.0% revenue growth year over year in Q4 2023, vs -0.4% for its competitors combined.
- Profitability: Its -9.7% net margin compares with 17.0% for the peer group.
- Scale: Citizens Holding ranks #191 of 217 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 $0.50M 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 -0.35 %.
With a net margin of -9.71 %, Citizens Holding reported lower profitability than its competitors (17.01 %).
Citizens Holding generated 0.00 % of the combined sales of its peer group, down from 0.01 % a year earlier.
API endpoints for this dataset
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 Citizens Holding reports; 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 |
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 6.9% 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
Group definitions: see Methodology: Performance Group Definitions.
| Entity | Profitable | Expanding | Above Industry Growth | Distressed |
|---|---|---|---|---|
| Citizens Holding Company | Yes | No | No | No |
| Competitors combined (203) | ||||
| Similar-Size Competitors (10) |
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
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 | Eagle Bancorp Inc | 282.9% | Outperformed |
| 4 | Lionsgate Studios Corp | 282.9% | Outperformed |
| 5 | Community Ban corp | 282.9% | Outperformed |
TTM share price return and U.S.A. 500 outperformance for Citizens Holding's best-performing 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 |
54.61 | 37.96 |
 Jpmorgan Chase and Co |
921,315.37 | 190,733.00 |
 Bank Of America Corporation |
365,948.87 | 122,968.00 |
 Wells Fargo and Company |
261,849.22 | 85,055.00 |
 Citigroup inc |
215,578.88 | 91,360.00 |
 Capital one financial corp |
120,138.55 | 54,798.00 |
| SUBTOTAL | 2,887,798.28 | 887,606.78 |
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Sources: see Methodology: Peer & Competitor Identification, Sourcing.
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 Citizens Holding reports and corroborating sources, each with a basis and confidence.| Competitor | Basis | Confidence |
|---|---|---|
| First Bancorp | Company report | 85% |
| First Bancorp | Company report | 85% |
| Bank Bradesco | Company report | 85% |
| Financial Institutions Inc | Company report | 85% |
| Peoples Financial Corporation | Company report | 85% |
| Renasant Corp | Company report | 85% |
| Origin Bancorp Inc | Company report | 85% |
| Merchants Bancorp | Company report | 85% |
| Home Bancorp Inc | Company report | 85% |
| Wintrust Financial Corp | Company report | 85% |
| Bancorpsouth Inc | Company report | 85% |
| Hancock Whitney Corporation | Company report | 85% |
Company report basis, confidence, active dates and source counts for Citizens Holding's named competitors require a Commercial License.
Methodology: see Methodology: Peer & Competitor Identification, Sourcing.
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 % |
| Capital one financial corp | Credit Card 74.32 % |
| D r Horton Inc | HomeBuildingOps 94.14 % |
| Citizens Financial Group Inc | Consumer Banking 73.64 % |
| First Citizens Bancshares Inc | Commercial Bank 46.42 % |
Source: operating segment revenue as reported in each company's reports (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 | 55 | 189,785 | 9,270 |
| Jpmorgan Chase and Co | 921,315 | 598,825 | 204,714 |
| Bank Of America Corporation | 365,949 | 577,315 | 150,793 |
| Wells Fargo and Company | 261,849 | 355,879 | 96,699 |
| Citigroup inc | 215,579 | 404,248 | 80,004 |
| Capital one financial corp | 120,139 | 718,191 | 142,595 |
| PEERS TOTAL | 2,887,744 | 495,884 | 132,137 |
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Citizens Holding's Geographic Revenue Exposure vs Peers
Revenue by country/region as reported in each company's most recent report. 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 reports (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 197 companies in Citizens Holding's industry classification, broader than the peer set above. Market cap in millions of $.Citizens Holding ranks #191 of 197 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 (see Methodology: Market Structure & Concentration).
| Rank | Company | Market Cap | Industry Share |
|---|---|---|---|
| 1 | Bank Of Nova Scotia | 115,258 | 14.98 % |
| 2 | Deutsche Bank Aktiengesellschaft | 74,232 | 9.65 % |
| 3 | Fifth Third Bancorp | 49,489 | 6.43 % |
| 4 | State Street Corp | 48,857 | 6.35 % |
| 5 | Ita Unibanco Holding S a | 1,234 | 5.2% |
| 6 | Northern Trust Corporation | 1,234 | 5.2% |
| 7 | M and t Bank Corporation | 1,234 | 5.2% |
| 8 | Citizens Financial Group Inc | 1,234 | 5.2% |
| 9 | First Citizens Bancshares Inc | 1,234 | 5.2% |
| 10 | East West Bancorp inc | 1,234 | 5.2% |
| 191 | Citizens Holding Company | 54 | 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 2026-11-10.
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 |
|---|---|---|---|
| 186 | First Northwest Bancorp | 89 | 8.87 % |
| 187 | Auburn National Bancorporation Inc | 89 | -3.66 % |
| 188 | Juniata Valley Financial Corp | 82 | 17.22 % |
| 189 | United Bancorp Inc | 78 | 11.32 % |
| 190 | Farmers And Merchants Bancshares Inc | 1,234 | 12.3% |
| 191 | Citizens Holding Company | 54 | - |
| 192 | Texas Community Bancshares inc | 1,234 | 12.3% |
| 193 | Quaint Oak Bancorp Inc | 1,234 | 12.3% |
| 194 | Marathon Bancorp inc | 1,234 | 12.3% |
| 195 | Bayfirst Financial Corp | 1,234 | 12.3% |
| 196 | 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 2026-11-11. 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 (2 companies). See the full Regional Banks industry profitability benchmarks.| Metric | Company | Industry | Difference |
|---|---|---|---|
| Gross Margin | - | 56.54 % (avg) | - |
| Operating Margin | - | industry median | - |
| EBITDA Margin | 23.14 % | 50.49 % (avg) | -27.4 pp |
| Capital Intensity (Capex / Revenue) | 1.89 % | 1.38 % (avg) | +0.5 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 (2 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 | 29.4x | - | - |
| EV / EBITDA | 17.2x | - | - |
| P/B | 1.4x | - | - |
| Return on Equity | 4.68 % | industry aggregate | -7.19 % |
| Return on Invested Capital | 0.13 % | 4.16 % (avg) | -4.03 % |
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 company reports.| 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 % | - | - | - |
| 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 | 8.3x | 29.4x |
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 BCG Growth-Share Matrix
See Methodology: BCG Growth-Share Matrix for how relative share and growth are calculated and thresholded.
Citizens Holding falls in the Question Mark quadrant: relative market share of 0.00x vs its largest competitor, in an industry growing revenue 11.7% (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 | High (capital intensive) | Capital intensity (capex / revenue) of 1.89 % vs industry average 1.38 % (see Profitability & Cost Structure above) |
Note: see Methodology: Porter's Five Forces. Supplier power and buyer power are covered on Citizens Holding's dedicated Suppliers and Customers pages, not here.
Citizens Holding's Industry Attractiveness & Competitive Strength
See Methodology: GE/McKinsey Matrix for how the two axes are built.
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
No rule matched.
Weaknesses
- 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).
Opportunities
- Industry revenue growing at a healthy 11.7% median pace.
Threats
- Tracked peer group's revenue run-rate is broadly decelerating (-23.5% annualized).
- High capital intensity requires continuous reinvestment just to keep pace with the industry.
Methodology: see Methodology: SWOT Analysis.
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 | 0.15 | 0.42 | 1.41 |
| Bank Of America Corporation | 0.10 | 0.52 | 1.27 |
| Wells Fargo and Company | 0.11 | 0.80 | 1.16 |
| Citigroup inc | 0.07 | 0.40 | 1.78 |
| Capital one financial corp | 0.05 | 1.03 | 0.58 |
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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 | Q3 2026 | +10.2 % | +9.0 % |
| Bank Of America Corporation | Q3 2026 | +3.2 % | -16.8 % |
| Wells Fargo and Company | Q3 2026 | +5.4 % | +6.9 % |
| Citigroup inc | Q2 2026 | +14.3 % | +44.6 % |
| Capital one financial corp | Q3 2026 | +29.3 % | +12.0 % |
| PEERS TOTAL | +8.8 % | +7.9 % |
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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 | Q3 2026 | -12.8 % | - |
| Bank Of America Corporation | Q3 2026 | - | - |
| Wells Fargo and Company | Q3 2026 | +31.5 % | - |
| Citigroup inc | Q2 2026 | - | -11.6 % |
| Capital one financial corp | Q3 2026 | +7.4 % | +1.3 % |
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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 | 1.34% | 1.65% | 17.70% |
| Bank Of America Corporation | 0.93% | 1.18% | 10.69% |
| Wells Fargo and Company | 1.04% | 1.23% | 12.78% |
| Citigroup inc | 0.66% | 0.69% | 8.46% |
| Capital one financial corp | 1.61% | 1.59% | 9.69% |
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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 | 29.55 | 1.44 |
| Jpmorgan Chase and Co | 14.45 | 4.83 |
| Bank Of America Corporation | 12.09 | 2.98 |
| Wells Fargo and Company | 12.17 | 3.08 |
| Citigroup inc | 13.46 | 2.36 |
| Capital one financial corp | 11.21 | 2.19 |
| PEERS AVERAGE | 12.21 | 3.25 |
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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.